Banco Popular de Puerto Rico

Brian Whitworth joined FirstSouthwest in 2009, and launched FirstSouthwest's PEB Trust, a group OPEB trust. He's a nationally recognized expert and frequent speaker on OPEB with speaking engagements at: Bond Buyer, IMN, NACO, National Conference of Mayors, CA City Association of Counties, Intl Association of Employee Benefit Plans, Conference of Consulting Actuaries, Massachusetts Retiree Benefits Commission, and the New Mexico Retiree Benefits Commission. Whitworth helped write legislation for several states, contributed material to the GASB Implementation Guide, built extensive simulation models including pension, OPEB cost and general fund revenues, and has worked on OPEB and/or pension issues for states, counties, cities and organizations. He's coauthor of two OPEB whitepapers and OPEB Frequently Asked Questions.He has also built extensive simulation models including pension and OPEB cost and general fund revenues, hold four patents on municipal bonds, risk management and related software, and work with actuaries and legal counsel. He has reviewed approximately 1000 pension and OPEB actuarial reports, often identifying errors, questionable assumptions and methods, potential compliance problems and potential savings opportunities. And founded more than $10 billion dollars in actuarial errors and opportunities for savings, including plans which had already been reviewed by independent actuaries, auditors, and city commissions.He has a Bachelor of Arts in Physics, University of Chicago and Master of Business Administration in Finance, University of California at Los Angeles.

Ms. Quinones joined Ramirez & Co. in September 2006 and manages the Western Region. She has over 25 years of experience in Public Finance, structuring capital market solutions for the infrastructure and general fund financing needs of state and local governments. Recent senior-managed clients include the State Public Works Board, the Los Angeles County MTA, Los Angeles International Airport, and The Metropolitan Water District of Southern California. She has also managed sales for issuers in the Cities of Los Angeles and San Diego, and counties throughout California (Contra Costa, Fresno, Kern, Los Angeles, Sacramento, San Diego, and Shasta). Prior to 2002, Ms. Quinones was with Citigroup, Raymond James and Prudential-Bache Securities in New York, working primarily with The City of New York and state-level agencies in Connecticut, New York, and Puerto Rico. In addition to structuring large funding programs for frequent issuers, she created institutional and retail investor marketing programs for these issuers, including multi-media advertising programs, investor information meetings and investor conferences.Ms. Quinones holds a BA in Economics from Princeton University and served in the public sector in 1996-1997 as the Director of Economic Development, Office of the NYC Deputy Mayor for Economic Development and Planning. She is currently on the Los Angeles board of California Women Lead, was the 2000-2001 President of the 1200 member Financial Women’s Association (www.fwa.org), and served on the Board of Governors of the Municipal Forum of New York from 1998-2000.

Ian is a member of the Public Sector and Infrastructure Banking team, focusing on municipal clients located throughout the western region of the United States. In his current role, he works with clients in the transportation, water and general government space. Ian has led the execution of over $20 billion of long-term debt and $8 billion of short-term debt financings as a senior or joint lead underwriter since he joined Goldman Sachs in 2008 as a vice president. He was named managing director in 2010.Prior to joining the firm, Ian worked at Merrill Lynch for nearly two decades in various roles, including municipal housing finance from 1989 to 1999 and municipal capital markets from 2004 to 2008. He also spent four years in London as a member of the structured finance group, where he specialized in providing capital market solutions for European public sector clients and financial institutions.Ian serves on the Board of Directors and Finance Committee of the Peninsula Humane Society & SPCA (PHS/SPCA), based in Burlingame, California. PHS/SPCA is a private nonprofit committed to humane ethics and building healthy relationships between people and animals, and is the provider of animal rescue and control services for all of San Mateo County.Ian earned a BA, with honors, from Harvard College in 1989.

Rick Kolman is a 25-year veteran of the municipal securities industry and a long-time senior leader of Goldman, Sachs & Co.’s Municipal Bond Department in New York City from 1981 through 2007, and has broad experience in municipal securities underwriting, sales and trading.Rick joined U.S. Bancorp in May 2010 and leads U.S. Bancorp’s Municipal Securities platform, having primary responsibility for developing all aspects of the firm’s municipal client origination, trading and sales functions.Rick has also served on the Executive Committee of the Securities Industry and Financial Markets Association (“SIFMA”) from 2000 through 2007, as well as serving on the Municipal Securities Rulemaking Board (“MSRB”).� Since departing Goldman in 2007, Rick has been an independent consultant and served as Executive Vice Chairman for Municipal and Infrastructure Assurance Corporation (“MIAC”), a de novo financial guaranty insurance company sponsored by Macquarie Bank, focused on the public finance and infrastructure sectors.

Timothy J. Reimers, Esq. is a Partner in QUATEMAN LLP, a Los Angeles business law firm founded in 1989. He attended the University of California, Riverside where he received his B.A. in Political Science. He received his J.D. from the University of Connecticut School of Law in 2001 and is a member of the California State Bar.Mr. Reimers’ expertise is in the fields of municipal finance, corporate finance, real estate transactions and workouts/litigation.Mr. Reimers is a team leader in QUATEMAN LLP’s public finance practice and has served as bond counsel, disclosure counsel, underwriter’s counsel and issuer’s counsel in a variety of public finance transactions for ports, airports, water and power districts, cities, counties, the State of California and various State agencies. Mr. Reimers has been involved in virtually every type of real estate matter. On behalf of public entities such as Alameda Corridor Transportation Authority and Metropolitan Water District of Southern California, he has handled surplus property disposition, joint use documents involving other public agencies and road dedication and construction documents and assisted Metropolitan in resolving and negotiating significant title issues with respect to the disposition of environmentally sensitive property.Mr. Reimers has successfully resolved numerous disputes on behalf of the Federal Deposit Insurance Corporation in its role as Receiver for certain failed banks as well advises the FDIC on matters involving troubled loans and work-outs.

Howard Cure is the Director of municipal bond credit research for Evercore Wealth Management. �He joined the firm in 2009 and has over 30 years of experience in analyzing municipal securities.�Prior to joining Evercore, Mr. Cure was a Director at Financial Guaranty Insurance Company, a Vice President with the investment banking firm of Prager & Co. and served as a Vice President at Moody’s Investors Service. �Mr. Cure began his career as an economist with the New York State Senate Finance Committee. He has also written topical credit pieces and has been quoted in such publications as The Wall Street Journal, Bloomberg News/Business Week, Barron’s, Reuters, The Financial Times and The Bond Buyer and appeared on CNBC, National Public Radio and Bloomberg News. �Mr. Cure received a bachelors’ degree in Economics from the State University of New York at Albany in 1982 and he earned a joint masters’ degree in Public Affairs from the Lyndon B. Johnson School of Public Affairs and Business from the McCombs School of Business in 1985.

Fred Silva is California Forward's senior fiscal policy advisor. Having spent 40 years in the development of public policy in state and local government, Fred is an expert in state and local finance, government operations, and the history of the state and local fiscal relationship in California. Prior to working with California Forward, Fred was a fiscal policy advisor to New California Network and previously senior advisor on governmental relations for the Public Policy Institute of California. From 1994 to 1996, Fred was executive secretary to the California Constitution Revision Commission, where he directed the staff work and wrote the final report of the Commission. He was chief fiscal advisor to the President Pro Tempore of the California State Senate from 1981 to 1994. He also was chief consultant to the Senate Local Government Committee from 1975 to 1981. He has authored nearly two dozen publications and commentaries regarding government fiscal issues in California. Fred holds a bachelor's degree in public administration from San Jose State University.

A 10+-year Employee of Southwest, Michael joined the Company as a Properties Manager, where he worked for 4 years prior to joining the General Counsel Department.  Michael’s last major undertaking in Properties was the management of Southwest’s startup efforts at PHL in 2004.  In his role as a corporate transactional attorney at Southwest, Michael has worked with his primary inhouse clients (the Properties and Facilities Departments) on the following representative projects/transactions: EWR Slots & Gates.  Most recently, the negotiation/drafting of the operative documents providing Southwest access to the slots and facilities necessary to commence service at EWR in March, 2011. Love Field Modernization Program (“LFMP”)/Wright Amendment Reform Act (“WARA”).  Completion of all implementation documents flowing from the WARA, including ongoing negotiations with the City of Dallas and other parties relating to development/construction of the $520m LFMP.  Michael also served on Southwest’s negotiating team during the negotiation of the “Five-Party Agreement” (to seek the Wright Amendment’s repeal in the U.S. Congress).   St. Joe Company/ECP Strategic Alliance.  Worked with St. Joe on the primary Strategic Alliance Agreement for Air Service, which guarantees Southwest’s breakeven performance at ECP for the first 3 years of service.  Also worked with the local tourism development councils to secure hotel bed tax revenue to help fund Southwest’s Northwest Florida marketing efforts. MDW Privatization.  Worked with the City of Chicago on the negotiation/drafting of the operative documents used in the bidding process to privatize MDW (transaction wasn’t consummated due to meltdown of credit markets but will work with Properties on any renewed privatization efforts). Overall, Michael works with Southwest’s Properties and Facilities Departments to negotiate airport lease agreements and coordinate various construction projects, respectively.  Michael’s inhouse client list also includes the Communications Department (Public Relations/Employee Communications/Emergency Response), and he serves as a member of Southwest’s Go-Team.  Michael represents the Legal Department on Southwest’s Airport Planning Committee.