National Guard and Reservists Debt Relief Act of 2008

HR 3609: To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R.3221: The foreclosure Prevention Act 2008 S.2136: Helping Families Save Their Homes in Bankruptcy Act of 2007 S.3197: A bill to amend title 11, United States Code, to exempt for a limited period, from the application of the means-test presumption of abuse under chapter 7, qualifying members of reserve components of the Armed Forces and members of the National Guard who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for not less than 90 days.

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

Legislation: MMDA Sweep Account and legislation to repeal the prohibition on the payment of interest on deposits (H.R.41); Real estate brokerage and management (H.R.111, S.413); CTR reports for seasoned customers (H.R.323); College Student Relief Act of 2007 (H.R.5); Tax provisions of minimum wage bill (H.R.6,H.Res.261,H.Res.332,H.R.1591,H.R.2206,S.965); credit card fees and services legislation; Small Business Tax Relief Act (H.R.976); Credit Union Regulatory Improvement Act (H.R.1537,H.R.5519);.... Terrorism Risk Insurance Act extension (H.R.2761, H.R.4299, S.2285); CFIUS Reform (H.R.556); Community Development Investments (H.R.1066); Privacy (H.R.498, H.R.958, S.495, S.806, S.1178, S.1260); Executive Compensation (H.R.1257); PATRIOT Act (H.R.1314); SBA Disaster Loans (S.163, H.R.1361); GSE regulation (H.R.1427, S.1100); ILC holding company legislation (H.R.698, S.1356); Flood Insurance Reform (H.R.1682, H.R.3121, S.1890, H.R.3959); Catastrophe Savings Accounts (H.R.1787, S.927); Borrowers Protection Act (S.1299); Student Loan Legislation (S.486, S.511, S.1642, S.1762, H.R.890, H.R. 2669); SBA Reform (S.1256, H.R.1332); Treasury Department Appropriations (H.R.2829); Interstate Taxation (S.1726, H.R.5267); Sarbanes-Oxley Reform Legislation (H.R.1508); Regulatory Burden Relief (H.R.1869, H.R.6312, H.R.5841); FHA Reform (H.R.1852); The Farm Bill (H.R.2419, H.R.4193), FHA Reform bills (H.R.1852, S.2338); Mortgage Debt Tax Forgiveness (H.R.3648); AMT Reform (H.R.3996); "Do Not Call" List amendments (H.R.2601, H.R.3541); Bankruptcy Reform (H.R.3609, S.2136); Sub.Prime Loan Regulation (H.R.3915, S.2452); Unfair and Deceptive Acts or Practices Authority (H.R.3526); Identity Theft Legislation (S.2168); Appraisal and Escrow Legislation (H.R.3837); Rural Housing Bill (H.R.3873); Section 8 programs (H.R.3965); Dollar coin bill (H.R.3703); Tax Legislation (H.R.3970, H.R.3056, H.R.6275, H.R.6049, H.R.2886, H.R.5719, H.R.5720); SBA Lending (H.R.3866); Housing bills (H.R.2895); Overdraft Protection Bill (H.R.946); FHA Loan Size (H.R.1852); Lobbying Reform (S.1); Economic Stimulus (H.R.5140, S.2636, H.R.3221); Credit Card Practices (H.R.5244); Bankruptcy (S. 2636, H.R.3609, H.R.4044, S.2136); Foreclosure Legislation (H.R.3221, H.R.5830, H.R.5818, H.R.5579); Interchange Fee Controls (H.R.5546, S.3086); Student Loan Legislation (H.R. 5715, S. 2815); Internet Gambling Legislation (H.R.5767); Retirement Account Fee Disclosure (H.R.3185); Arbitration Clause Restrictions (H.R.3010; H.R.5312); Money Services Business Regulation (H.R.4049); Emergency Economic Stabilization Act (H.R.1424); Military Bankruptcy (S.3197); Pension Fund Reform (H.R.7327). Regulation: Community Reinvestment Act regulations; Subprime Mortgage Lending; SEC and PCAOB Sarbanes-Oxley regulations and guidance; Regulatory Burden Relief Regulations; Deposit Insurance Regulations; SBA Regulations; Federal Reserve Board's Regulation Z (Truth-in-Lending); Fed-SEC Regulation R; Garnishment of Exempt Funds regulation; FACT Act Regulations; FDIC Audit and reporting regulations; Capital Requirements (Basel II); IRS Trust Tax Regulations; Internet gambling regulations; Small bank examination rules; FinCen Rules on Foreign Banking Relationships; SEC Risk-based auditing standard; Money Laundering Regulations, Financial Institution Regulatory Restructuring; SEC Credit Rating Agency Reforms; Unfair and Deceptive Acts or Practices Regulations; Risk-Based Pricing Notices; Home Valuation Code of Conduct Appraisal Rules; Guidance on HELOC reductions; Best Practices for Residential Covered Bonds; FRB Reg. S (privacy); HUD RESPA Regulations; Money Market Fund Guaranties; Fannie Mae/Freddie Mac Conservatorship; SEC Short-Selling Rules; FASB Fair Value Accounting Regs; Auction-Rate Securities Rules; Timing of FASB/SEC Rules; FDIC Deposit Insurance Coverage Regulations; Truth-in-Savings Regulations; Risk Weighting of capital standards; Interest on Reserve Requirements; FDIC Restoration Plan; Deposit and Debt Guarantee Program; Guaranty Program for Troubled Assets; Capital Purchase Program; Hope for Homeowners Program; Overdraft Regulations; Currency Transaction Report Exemptions. #17. (continued from previous page) Public Company Accounting Oversight Board

S. 3001, FY 2009 Defense Authorization Act; S.3197, Guard and Reserve Debt Relief Act

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

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, SENATE

S.3197 Lung Cancer Mortality Reduction Act Department of Defense Appropriations for Cancer Research Labor Health and Human Services Appropriations for Cancer Research and Related Programs

Client expense: $13,300 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Lobbying on the National Defense Authorization and National Defense Authorization Acts for FY2009 for full and sufficient funding for DoD healthcare as well as in opposition of proposed healthcare increases in enrollment fees, co-pays and deductables for TRICARE Prime, TRICARE Sandard and TRICARE Extra as well as in opposition of changes in the TRICARE pharmacy formulary and the structure of TRICARE Standard program; Lobbying to end the SBP/DIC offset; Lobbying to improve survivor benefits including continued TRICARE Prime eligiblity; Lobbying to improve NG & R benfits including allowing those who were activated and served since 9/11/01 to qualify for receiving their retired pay multiple of 90 days prior to reaching the age of 60 for every 90 days they served on active duty- changing the present law that allows this only after active duty service that occurs after January 1, 2008; Lobbying in favor of HR4930 National Guardsmen and Reservist Parity for Patriots Act; Lobbying on behalf of S3197 National Guard and Reservist Debt Relief Act Lobbying to allow Grey Area retirees of the National Guard and Reserve to buy into TRICARE Reserve Select (TRS) prior to reaching age 60; Lobbying to to end the offset of Military Retired Pay (longeviity, medical and TERA) with 10%-40% VA Disability Ratings; allowing disabled retirees who qualify for both Concurrent Retirement and Disability Pay (CRDP) and Combat Related Special Compensation (CRSC) to change their selection of one or the other programs throughout the year rather than waiting for the yearly open season; Lobbying to allow the waiver of the Medicare Part B payments to qualify for TRICARE for Life (TFL) beneficiaries who entered the service prior to December 7, 1956 and allowing retirees to select FEHBP rather than TFL while retaining the right to qualify for the TRICARE Pharmacy Plan

S. 3197/H.R. 4044, National Guard and Reservists Debt Relief Act of 2008; Effect of financial crisis/stock market crash on retirement funds. H.R. 3997/H.R. 1424, Emergency Economic Stabilization Act of 2008 (troubled assets relief program and pension funds relief.)

Client expense: $227,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, U.S. Trade Representative (USTR)

HR 3609: To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. H.R.3221: The foreclosure Prevention Act 2008 S.2136: Helping Families Save Their Homes in Bankruptcy Act of 2007 S.3197: A bill to amend title 11, United States Code, to exempt for a limited period, from the application of the means-test presumption of abuse under chapter 7, qualifying members of reserve components of the Armed Forces and members of the National Guard who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for not less than 90 days.

Client expense: $470,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

S. 2133, the Home Owners Mortgage and Equity Savings (HOMES) Act (provisions regarding the treatment of primary mortgages during bankruptcy) S. 2136, the Helping Families Save Their Homes in Bankruptcy Act of 2007 (provisions regarding the treatment of primary mortgages during bankruptcy) S. 3197, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) H.R. 3609, the Emergency Home Ownership and Mortgage Equity Protection Act of 2007 (all provisions) H.R. 4044, the National Guard and Reservists Debt Relief Act of 2008 (bankruptcy means test provision) Changes to bankruptcy treatment of primary mortgages, proposed for inclusion in the Emergency Economic Stabilization Act of 2008

Client expense: $2,340,000 · Firm income: Not reported

S. 3001 FY 2009 Defense Authorization, HR 6070 reforming SCRA, S. 3070 reforming military overseas voting, HR 6205 bonus for Stop-Loss, S. 3060 bonus for Stop Loss, H.Con. Res 388 military voting, S. 2052 US Court of Appeals can review mil. court marshall, S. 3197 exempt Reservists from bankruptcy means teating,

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

Government targets: Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, SENATE, Veterans Affairs, Dept of (VA)