mr MICHAEL HEDGE jr

Disaster Assistance Eligibility for Community Associations --developed lobbying materials in support of grassroots lobbying campaign for CAI members to urge that Congress amend the Stafford Act to make community associations eligible for disaster assistance through the Public Assistance program and to allow Individuals and Households Assistance to be used for repairs to condominium/cooperative common elements --developed legislative language to amend the Stafford Act and expand eligibility of community association homeowners for disaster assistance --various meetings with member offices serving on the House Transportation and Infrastructure Committee --meetings concerning H.R. 1471, the FEMA Disaster Assistance Reform Act of 2015 and in support of amendment to qualify community association residents for federal disaster assistance

Disaster Assistance Eligibility for Community Associations --developed lobbying materials in support of grassroots lobbying campaign for CAI members to urge that Congress amend the Stafford Act to make community associations eligible for disaster assistance through the Public Assistance program and to allow Individuals and Households Assistance to be used for repairs to condominium/cooperative common elements --developed legislative language to amend the Stafford Act and expand eligibility of community association homeowners for disaster assistance --various meetings with member offices serving on the House Transportation and Infrastructure Committee --meetings concerning H.R. 1471 & H.R. 3128 in support of Study language and technical assistatnce to qulify community association residents for federal disaster assistance

Disaster Assistance Eligibility for Community Associations --developed lobbying materials in support of grassroots lobbying campaign for CAI members to urge that Congress amend the Stafford Act to make community associations eligible for disaster assistance through the Public Assistance program and to allow Individuals and Households Assistance to be used for repairs to condominium/cooperative common elements --developed legislative language to amend the Stafford Act and expand eligibility of community association homeowners for disaster assistance --various meetings with member offices serving on the House Transportation and Infrastructure Committee --meetings concerning H.R. 1471 & H.R. 3128 in support of Study language and technical assistatnce to qulify community association residents for federal disaster assistance

Opposition to H.R. 1301 --preparation of lobbying materials to support CAI grassroots lobbying campaign to defeat or amend H.R. 1301 and preserve the authority of community association residents over architectural standards in their neighborhoods. --preparation of various lobbying materials in opposition to H.R. 1301 --various meetings with member offices on the House Energy & Commerce Committee in opposition to H.R.1301 Opposition to S. 1685 --preparation of lobbying materials to support CAI grassroots lobbying campaign to defeat or amend S. 1685 and preserve the authority of community association residents over architectural standards in their neighborhoods.

Opposition to H.R. 1301 --preparation of lobbying materials to support CAI grassroots lobbying campaign to defeat or amend H.R. 1301 and preserve the authority of community association residents over architectural standards in their neighborhoods. --preparation of various lobbying materials in opposition to H.R. 1301 --various meetings with member offices on the House Energy & Commerce Committee in opposition to H.R.1301 Opposition to S. 1685 --preparation of lobbying materials to support CAI grassroots lobbying campaign to defeat or amend S. 1685 and preserve the authority of community association residents over architectural standards in their neighborhoods. --preparation of various lobbying materials in oppositon to S. 1685

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *Monitoring agency development of final QRM rule2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule *Monitor H.R. 1077, the "Consumer Mortgage Choice Act" *Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *Monitoring agency development of final QRM rule2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule *Monitor H.R. 1077, the "Consumer Mortgage Choice Act" *Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act --Monitoring agency development of final QRM rule 2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule --Monitor H.R. 1077, the "Consumer Mortgage Choice Act" --Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

*Monitoring postal reform legislation in the House and Senate (H.R. 2748/S.486) and proposed reforms to door delivery of U.S. Mail *Research and coaltion outreach, no specific legislative activity

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees *FHA Homeownership Counseling --Outreach to FHA staff regarding inclusion of educational materials concerning community association homeownership in FHA housing counseling curricula --General information regarding FHA proposed Homeowners Armed with Knowledge pilot program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Fannie Mae & Freddie Mac Short Sale Policy Changes *Discussion with FHFA regarding changes to GSE short sale policies concerning payment of association liens 4. GSE LLPA Pricing Matrix *Discussion with Fannie Mae concerning FHFA-imposed surcharges for delivery of condominiu unit mortgages *FHFA request for information concerning GSE guarantee fee and other pricing structures

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

1. Federal Housing Administration --FHA Condominium policy, potential rulemaking --Private transfer fee policy 2. Monitoring mortgage finance legislation and Fannie Mae/Freddie Mac reform --General legislative updates on legislation, hearings, and markups in the Congress. --S. 1217: The Housing Finance Reform and Taxpayer Protection Act --H.R. 2767: The Protecting American Taxpayers and Homeowners Act --Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act

1. Federal Housing Administration --FHA Condominium policy, potential condominium rulemaking --Private transfer fee policy --FHA financial stability and actuarial review 2. Monitoring mortgage finance legislation and Fannie Mae/Freddie Mac reform --General legislative updates on legislation, hearings, and markups in the Congress. --S. 1217: The Housing Finance Reform and Taxpayer Protection Act --H.R. 2767: The Protecting American Taxpayers and Homeowners Act --Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act 3. FHFA Mortgage Servicer Supervision/Standards/Community Association Lien Priority --monitor FHFA instigated litigation RE: enforcement of community association lien priority in foreclosure proceedings. --arrange and staff meetings with senior FHFA official to discuss association lien priority, servicer performance, asset manager performance, and REO disposition --draft internal communications and lobbying materials for CAI members concerning FHFA legal activities, the failure of Fannie Mae and Freddie Mac to police mortgage servicers and asset managers, and the need to ensure lien priority in legislation reforming the housing finance system.

1. FEMA Public Assistance Program --Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program. 2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program. 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements. 4. Preparation of study in response to FEMA report concerning condominium and housing cooperative access to federal disaster assistance.

1. FEMA Public Assistance Program --Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program 2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements. 4. Preparation of study in response to FEMA report concerning condominium and housing cooperative access to federal disaster assistance.

1. FEMA Public Assistance Program * Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements 4. Outreach to FEMA concerning study of how condominiums and cooperatives access federal disaster assistance for repairs to common property

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *Monitoring agency development of final QRM rule2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule *Monitor H.R. 1077, the "Consumer Mortgage Choice Act" *Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act --Monitoring agency development of final QRM rule 2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule --Monitor H.R. 1077, the "Consumer Mortgage Choice Act" --Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *Monitoring agency development of final QRM rule2. Loan Level Price Adjustment Exclusion from definition of points and fees under the Qualified Mortgage rule *Monitor H.R. 1077, the "Consumer Mortgage Choice Act" *Monitor H.R. 3211, the "Consumer Mortgage Choice Act"

H.R. 4969, the "Amateur Radio Parity Act of 2014" --Preparation of lobbying material in opposition to H.R. 4969 --General advocacy in opposition to H.R. 4969

H.R. 4969, the "Amateur Radio Parity Act of 2014" *Preparation of lobbying material in opposition to H.R. 4969

H.R. 4969, the "Amateur Radio Parity Act of 2014" --Preparation of lobbying material in opposition to H.R. 4969 --General advocacy in opposition to H.R. 4969

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

1. Federal Housing Administration --FHA Condominium policy, potential rulemaking --Private transfer fee policy 2. Monitoring mortgage finance legislation and Fannie Mae/Freddie Mac reform --General legislative updates on legislation, hearings, and markups in the Congress. --S. 1217: The Housing Finance Reform and Taxpayer Protection Act --H.R. 2767: The Protecting American Taxpayers and Homeowners Act --Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act

1. Federal Housing Administration --FHA Condominium policy, potential condominium rulemaking --Private transfer fee policy --FHA financial stability and actuarial review 2. Monitoring mortgage finance legislation and Fannie Mae/Freddie Mac reform --General legislative updates on legislation, hearings, and markups in the Congress. --S. 1217: The Housing Finance Reform and Taxpayer Protection Act --H.R. 2767: The Protecting American Taxpayers and Homeowners Act --Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act 3. FHFA Mortgage Servicer Supervision/Standards/Community Association Lien Priority --monitor FHFA instigated litigation RE: enforcement of community association lien priority in foreclosure proceedings. --arrange and staff meetings with senior FHFA official to discuss association lien priority, servicer performance, asset manager performance, and REO disposition --draft internal communications and lobbying materials for CAI members concerning FHFA legal activities, the failure of Fannie Mae and Freddie Mac to police mortgage servicers and asset managers, and the need to ensure lien priority in legislation reforming the housing finance system.

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees *FHA Homeownership Counseling --Outreach to FHA staff regarding inclusion of educational materials concerning community association homeownership in FHA housing counseling curricula --General information regarding FHA proposed Homeowners Armed with Knowledge pilot program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Fannie Mae & Freddie Mac Short Sale Policy Changes *Discussion with FHFA regarding changes to GSE short sale policies concerning payment of association liens 4. GSE LLPA Pricing Matrix *Discussion with Fannie Mae concerning FHFA-imposed surcharges for delivery of condominiu unit mortgages *FHFA request for information concerning GSE guarantee fee and other pricing structures

1. FEMA Public Assistance Program --Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program 2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements. 4. Preparation of study in response to FEMA report concerning condominium and housing cooperative access to federal disaster assistance.

1. FEMA Public Assistance Program * Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements 4. Outreach to FEMA concerning study of how condominiums and cooperatives access federal disaster assistance for repairs to common property

1. FEMA Public Assistance Program --Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program. 2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program. 3. Advocacy in support of H.R. 2887 and S.1480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements. 4. Preparation of study in response to FEMA report concerning condominium and housing cooperative access to federal disaster assistance.

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

*Monitoring postal reform legislation in the House and Senate (H.R. 2748/S.486) and proposed reforms to door delivery of U.S. Mail *Research and coaltion outreach, no specific legislative activity

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *preparation of advocacy materials for CAI *general advocacy before agencies and the Congress in support of CAI's policy on qualified residential mortgage definition *support for CAI member grassroots advocacy efforts2. Regulatory definition of Qualified Mortgage(CFPB)--Dodd Frank Sections 1141 and 1142 * preparation of advocacy materials for CAI * general advocacy before the Congress in support of CAI's policy on definition of qualified mortgage and the ability to repay standard * support for CAI member grassroots advocacy efforts 3. H.R. 1077 Community Mortgage Choice Act *support for exclusion of Loan Level Price Adjustments from calculation of points and fees test under the QM rule 4. Fair Debt Collections Practices Act * No specific advocacy * Legislative research on Congressional activities to amend FDCPA to enable debt collectors to engage in limited communications with third parties or with debtors by voicemail pursuant to Consumer Financial Protection Bureau regulations and legislation exempting certain attorney communications from FDCPA. * Preparation of materials to support legislative/legal research on application of FDCPA to community association managers and attorneys. *informal discussion with House Fina

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *Monitoring agency development of final QRM rule2. H.R. 1077 Community Mortgage Choice Act *support for exclusion of Loan Level Price Adjustments from calculation of points and fees test under the QM rule 3. Fair Debt Collections Practices Act *No specific advocacy * Legislative research on Congressional activities to amend FDCPA to enable debt collectors to engage in limited communications with third parties or with debtors by voicemail pursuant to Consumer Financial Protection Bureau regulations and legislation exempting certain attorney communications from FDCPA. *Preparation of materials to support legislative/legal research on application ofFDCPA to community association managers and attorneys.

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *preparation of advocacy materials for CAI *general advocacy before agencies and the Congress in support of CAI's policy on qualified residential mortgage definition *support for CAI member grassroots advocacy efforts2. Regulatory definition of Qualified Mortgage(CFPB)--Dodd Frank Sections 1141 and 1142 * preparation of advocacy materials for CAI * general advocacy before the Congress in support of CAI's policy on definition of qualified mortgage and the ability to repay standard * support for CAI member grassroots advocacy efforts 3. H.R. 1077 Community Mortgage Choice Act *support for exclusion of Loan Level Price Adjustments from calculation of points and fees test under the QM rule 4. Fair Debt Collections Practices Act * No specific advocacy * Legislative research on Congressional activities to amend FDCPA to enable debt collectors to engage in limited communications with third parties or with debtors by voicemail pursuant to Consumer Financial Protection Bureau regulations and legislation exempting certain attorney communications from FDCPA. * Preparation of materials to support legislative/legal research on application of FDCPA to community association managers and attorneys. *informal discussion with House Financial Services Committee staff regarding FDCPA, no specific advocacy

1. Regulatory Definition of "Qualified Residential Mortgage" as Required Under Section 941 of the Dodd-Frank Act *preparation of advocacy materials for CAI *general advocacy before agencies and the Congress in support of CAI's policy on qualified residential mortgage definition *support for CAI member grassroots advocacy efforts2. Regulatory definition of Qualified Mortgage(CFPB)--Dodd Frank Sections 1141 and 1142 * preparation of advocacy materials for CAI * general advocacy before the Congress in support of CAI's policy on definition of qualified mortgage and the ability to repay standard * support for CAI member grassroots advocacy efforts 3. H.R. 1077 Community Mortgage Choice Act *support for exclusion of Loan Level Price Adjustments from calculation of points and fees test under the QM rule 4. Fair Debt Collections Practices Act * No specific advocacy * Legislative research on Congressional activities to amend FDCPA to enable debt collectors to engage in limited communications with third parties or with debtors by voicemail pursuant to Consumer Financial Protection Bureau regulations and legislation exempting certain attorney communications from FDCPA. * Preparation of materials to support legislative/legal research on application of FDCPA to community association managers and attorneys. *informal discussion with House Fina

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

*Monitoring postal reform legislation in the House and Senate (H.R. 2748/S.486) and proposed reforms to door delivery of U.S. Mail *Research and coaltion outreach, no specific legislative activity

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act

1. FEMA Public Assistance Program * Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of community associations to qualify as eligible entities under the Public Assistance Program2. Preparation of lobbying materials and grassroots campaign materials regarding ineligibility of condominium associations and housing cooperatives to qualify corporately for assistance under the Individuals and Households Assistance Program 3. Advocacy in support ofH.R. 2887 and S.l480 to permit condominium unit owners to cooperatively use FEMA individual and households assistance grants for the repair of uninsured damages to condominium association common elements. 4. Discussions with congressional staff regarding H.R. 3300, the FEMA Reauthorization Act of 2013 regarding the study of condominium and cooperative eligibilty for federal disaster assistance

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

*Monitoring postal reform legislation in the House and Senate (H.R. 2748/S.486) and proposed reforms to door delivery of U.S. Mail *Research and coaltion outreach, no specific legislative activity

1. Federal Housing Administration: *Mortgagee Letter 2011-22 implementation and preparation of grassroots lobbying materials1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. No specific advocacy. *S.563 : Jumpstart GSE Reform Act 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitored Interstate Land Sales Disclosure Act of 2013, HR 2600.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * General updates on legislation and hearings in the Congress. No specific advocacy. * H.R.941 : End Unnecessary Borrowing Act of 2013 * H.R.1028 : End Unnecessary Borrowing Act of 2013 *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *S.469: A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation and hearings in the Congress. *S.563 : Jumpstart GSE Reform Act *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *Meeting with House Financial Services Committee staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. No specific legislative request or advocacy. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Meeting with FHFA to discuss position on priority lien. 5. Monitoring nomination of Rep. Mel Watt as FHFA Director.

1. Federal Housing Administration: *lender/REO transient leasing exemptions in condominiums and FHA compliance1. FHA cont'd * FHA condominium unit mortgage program rulemaking *H.R.1145 : FHA Emergency Fiscal Solvency Act of 2013 *State of FHA finances and capital reserve transfer from U.S. Treasury *FHA Actuarial Review *Implementation of reforms to FHA reverse mortgage (HECM) program *Implementation of ML 2013-18: Updated Clarification Regarding Title Approval at Conveyance *meetings with FHA officials regarding asset preservation, timely foreclosure, and prompt payment of association assessments for properties conveyed to HUD located in a community association 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Monitoring government mortgage modification program changes (HARP/HAMP/FHA Streamline) *S.249 : Responsible Homeowner Refinancing Act of 2013 4. Monitoring confirmation of Rep. Mel Watt as FHFA Director 5. Implementation of the Biggert Waters Flood Insurance Reform Act of 2012 * monitoring and updates on the impact of updated Flood Insurance Rate Maps on premiums * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act