Mutual Bank Choice and Continuity Act of 2014

See addendum.S.474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions)H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes. H.R. 3329, to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H.R. 496, Recognizing the importance of savings to financial security. S. 1927, Data Security Act of 2014 S. 2114, Bond Transparency Act of 2014 H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4466, Financial Regulatory Clarity Act of 2014 S. 2698, Regulatory Easement for Lending Institutions that Enable a Vibrant Economy Act of 2014

Client expense: $2,560,000 · Firm income: Not reported

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

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

See addendum.S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 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 H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014

Client expense: $1,960,000 · Firm income: Not reported

See addendum.S. 474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions) H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions)H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes H.R. 3329, to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H.Res. 496, Recognizing the importance of savings to financial security. S. 1927, Data Security Act of 2014 S. 2114, Bond Transparency Act of 2014 H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4466, Financial Regulatory Clarity Act of 2014

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

See AddendumS.474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions) H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction ActH.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797 , the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions) H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes H.R. 3329, to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H.Res. 496: Recognizing the importance of savings to financial security. H.R. 4252: Mutual Bank Choice and Continuity Act of 2014 S. 1927: Data Security Act of 2014 S. 2114: Bond Transparency Act of 2014

See AddendumS. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252: Mutual Bank Choice and Continuity Act of 2014 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. H.R. 4060: Systemic Risk Designation Improvement Act of 2014 H.R. 4042: Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916: HELP Rural Communities Act of 2014 S. 1903: Prepaid Card Disclosure Act of 2014

Client expense: $1,730,000 · Firm income: Not reported