Banco Popular de Puerto Rico

Chris joined Assured Guaranty in June 2016 as a Director in the Public Finance Group.� In addition to covering a variety of issuers and sectors located in the eastern region of the United States, Chris brings a deeper concentration on the utility and transportation sector both domestically and internationally.� Prior to joining Assured Guaranty, Chris worked at U.S. Bank, N.A., managing the Public Utility Group in the Government Banking Division.� Prior to U.S. Bank, he was a Senior Director/Manager of Fitch Ratings Public Power Group in the Public Finance Division and worked at MBIA Insurance Corporation as a Managing Director in the Public Finance Division.� Having extensive prior experience working in bond insurance, at a rating agency and for a commercial bank, Chris brings a unique set of marketing, analysis, risk assessment, negotiation and rating skills to the revenue bond and tax-supported credit sectors.�

Mark joined KNN Public Finance in 2004 and he currently serves our county, county-wide special district clients, and the State Public Works Board for the State of California (CA SPWB). In addition to managing all aspects of the debt issuance process, Mark also specializes in pre-transaction financial analysis and bond structuring. Mark’s debt issuance and bond structuring experience includes negotiated and competitive public offerings of certificates of participation, lease revenue bonds, sales tax revenue bonds, tax allocation bonds, pension obligation bonds, solid waste revenue bonds, tobacco settlement asset backed bonds, tax and revenue anticipation notes (TRANs) and refunding bonds. His recent transactions include supporting several lease revenue bond offerings for the CA SPWB, sales tax revenue bonds for Sonoma County Transportation Authority and refunding revenue certificates of participation for Kern County solid waste system improvements. In addition to public offerings, Mark also provides financial advisory services for private placements of debt. These services include determining appropriate interest rates, negotiations of terms, drafting of documents and financial analysis. Transactions include a lease agreement for the Sonoma County Comprehensive Energy Efficiency Project, sales tax revenue bonds for Madera County Transportation Commission and taxable pension obligation adjustable rate refunding bonds for Kern County.Mark specializes in developing cash-flow models, financial projections, debt capacity analyses and strategic plans. For several clients dependent on specific revenue streams for capital projects, Mark has developed comprehensive dynamic cash-flow forecasting models. These models and associated analysis are utilized for capital planning, determining the timing and structure of future financings and assessing debt capacity. Recent work includes strategic planning and cash flow models for Sonoma County Transportation Authority, Madera County Transportation Commission and Sonoma County Water Agency. Mark’s research and quantitative skills are also utilized for feasibility studies, debt capacity reviews, debt policies, cost-benefit analysis, asset divestitures and rating agency strategies. Mark has recently developed feasibility studies for the Sonoma County Energy Independent Program (a property assessed clean energy program), the Riverside County hospital projects and the Santa Clara County fuel cell procurement. In addition, Mark’s work includes a debt capacity review, master refunding analysis and debt policy for Sonoma County. Moreover, Mark has assisted San Francisco County Transportation Authority with managing the short-term ratings on their CP program as well as their long-term “shadow” ratings. Prior to joining KNN, Mark served as an investment banking Vice President for Salomon Smith Barney. His work included debt, equity, and mergers and acquisitions in a broad array of industries. In addition, as a Financial Analyst at Ogden Projects, he worked on several municipal waste-to-energy, independent energy and landfill projects. Mark earned an M.B.A. from Carnegie Mellon University and a B.S. in Mechanical Engineering from Cornell University. Mark is registered as a municipal securities principal.

Debra Rayman joined Wells Fargo Corporate Trust Services in July 2006. She has nearly 30 years’ experience in the Corporate Trust field as a department manager and trustee of a variety of municipal, corporate and housing debt issues. She received her Bachelor of Arts degree in Business Administration and Sociology, with a minor in Journalism, graduating magna cum laude from Midland Lutheran College. She is a Certified Corporate Trust Specialist and graduate of the Cannon Trust School. Prior to joining Wells Fargo, Ms. Rayman was an account administrator and managed the Colorado and Arizona corporate trust offices at JPMorgan Chase.

Senator Vicente (ben) Cabrera Pangelinan, affectionately known as “Senator ben” was born in Saipan, raised by Christian parents and came to Guam when he was very young. Growing up bilingual in English and Chamorro,he possess uniqueattributes. His family has always resided in the village of Barrigada, where he grew up. He went to San Vicente Elementary School and graduated from Father Duenas Memorial School in 1974. To pursue a higher, he went to the prestigious Georgetown University in Washington, DC, with a Bachelor’s Degree in Government. He has also been bestowed the Pacific American Foundation (PAF) Fellowship and the Toll Fellowship from the Council of State Governments.At an early age, Senator ben was always interested in government service and worked as a Staff Assistant to the Office of the Delegate, Antonio G. Won Pat in Washington, DC while attending college. When he returned to Guam, he worked for the late Governor Ricardo J. Bordallo.Before being elected into the Guam Legislature, Senator ben worked with FHP/HML Guam, a HMO doing business in Guam, Saipan and California. He had numerous positions consisting of Member Relations Officer, Guam Director of Government and Public Affairs, Associate Director of Operations and the Regional General Manager.Senator’s tenure in the Guam Legislature began in the 22nd Guam Legislature. The people of Guam continued to elect him in the 23rd, 24th, 25th, 26th, 27th, 29th, 30th and currently serving in the 31st Guam Legislature. He was Speaker in the 27th Guam Legislature.Throughout his political career, Senator ben has held the Chair of various Committees, including land, taxation, banking and retirement. For the past two terms, Senator ben has chaired the Committee on Appropriations. As Chairman for the Committee on Appropriations and the Office of Finance and Budget, he gained support from the Executive Branch to pass a fiscal year line item budget that was organized and balanced completed in an unprecedented time frame never seen in the government of Guam. His budget reflected the priorities of education, health and safety in the allocation resources.Senator ben has never shied away from controversy and has championed many issues that others didn’t. He fought for the government of Guam retirees to receive their Cost of Living Allowance and after more than 15 years, retirees received what was legally owed to them. The fight isn’t quite over, yet and Senator ben will continue to fight for them.He has led the fight for a fair and open government on the Legislative floor and in the highest courts of Guam, the Ninth Circuit of Appeals, and the United States Supreme Court.Responding to business challenges, he streamlined services and established the one-stop permit program to assist existing and new business. He wrote the Guam Business Corporations Act, the first major update of the law in over 30 years to increase opportunities for investments to improve the economy. Now individuals can form businesses with a minimum of red tape.Senator ben is a protector of natural resources for Guam by declaring the property in and the right to the use of all water, at any time in a stream, river or other surface sources and water located beneath the ground and in the aquifer in Guam are vested in the government of Guam.In Guam’s quest for self-determination, Senator ben submitted testimonies to the United Nations Special Political Decolonization Committee (Fourth Committee) to advocate for Guam’s inalienable right to self-determination. His office remains the only place, other than the Guam Election Commission that has certified registrars to register eligible CHamorros to the Decolonization Registry.Senator ben understands the importance of the cultural preservation of Guam by creating the “Hatdin Amot Chamorro” which identifies a portion of Chamorro Land Trust lands specifically to grow herbal medicinal plants for “Suruhanus” and “Suruhanas” to use for traditional medicinesSenator ben understand the importance of nurturing our environment and introduced legislation promoting the development of renewable energy to require the Guam Power Authority to establish renewable portfolio standard goals. He established the first ever net-metering program, which credits homeowners who install renewable energy production capacity.Senator ben has vast business experience. He is President/Owner of Group Pacific Suppliers, Principal Consultant/President of Pacific Presence Group
and Founding Director of Graphic center, Inc.
and Micronesia Graphics, Inc.
 He is also Director of Fifth Wheel, Inc.In addition to Chair of the Committee on Appropriations, Taxation, Public Debt, Banking, Insurance, Retirement and Land, he also holds the position of Vice Chair for the Committee on Education and a member of the Committee on Rules, Federal, Foreign & Micronesian Affairs, Committee on Health & Human Services, Economic Development, Senior Citizens and Election Reform, Committee on Municipal Affairs, Tourism, Housing and Recreation and the Committee on Guam Military Buildup and Homeland Security.

Alex Burnett, Managing Director, is the Head of the Western Region for J.P. Morgan’s Public Finance Group. He brings over 20 years of experience in working on general municipal, utility and transportation clients throughout the west coast as both a financial advisor and investment banker. Mr. Burnett has served as the lead banker on over $10 billion of financings ranging from short-term cash flow to highly structured revenue credits. His experience includes the development of plans of finance, credit strategies, and financial structures. Projects that Mr. Burnett has worked on include water, sewer, toll, highway, transit, justice and administrative facilities as well as power generation, renewable and commodity related projects.

Darrell Steinberg is the President pro Tempore of the California State Senate. Elected to the Senate in 2006, Steinberg's district includes the capital city of Sacramento, parts of Elk Grove, Citrus Heights and Rancho Cordova. His Senate colleagues elected him to lead the State Senate as President pro Tempore in August 2008. Prior to joining the Senate, Steinberg served in the State Assembly from 1998 to 2004.Steinberg's service to Californians has earned him numerous awards and citations, including the 2010 Kennedy Library Foundation's, "John F. Kennedy Profile in Courage" Award, the nation's most prestigious honor for public servants. Steinberg earned the award for leading a bipartisan effort to solve the state's devastating budget deficit in 2009. Steinberg also is a recipient of the California Journal's "Minnie Award," which recognized legislators who represent "a pattern of conduct, an outlook and demeanor that exemplifies the best kind of public service." The nonpartisan magazine named Steinberg "Assemblymember of the Year" for 2004 and also honored him as the Assembly's top member in the categories of integrity, best problem-solver, and hardest working. During his legislative career, Steinberg has earned a reputation for being unafraid to confront seemingly intractable challenges. In 2009, he led a successful, bipartisan effort to pass a "momentous" water agreement which implements landmark improvements and investments in the Sacramento-San Joaquin Delta, the heart of California's water supply system, and enhances water reliability for all Californians. In describing the legislation, the Sacramento Bee said, "[W]hat Senate President Pro Tem Darrell Steinberg, D-Sacramento, has achieved is momentous. The water-policy package he helped craft pushes the state forward on several fronts . . . If you are a California resident - not just a member of a particular interest group - the basic outline of this policy package is worth celebrating." Steinberg's SB 375, which was signed into law in 2008, is a landmark bill that will combat urban sprawl and long commute times while encouraging efficient development by linking land use decisions in transportation and housing to greenhouse gas reduction goals. In crafting the bill, Steinberg brought together an unlikely coalition of environmentalists, the building industry and local governments in support of the measure. Experts expect the bill, which received national attention, will become a model for legislation at the federal level and for other states. Noting the groundbreaking significance of the measure, the Los Angeles Times said it "marks the first time any state has attempted to tie greenhouse gas reduction to transportation funding and regional land-use planning." Steinberg also is a strong advocate for children and mental health issues. As a member of the State Assembly, Steinberg authored legislation to focus additional education resources on high-poverty schools and make them accountable for improvement. He also authored several nationally recognized laws to improve the state's foster care system, including measures to improve provider accountability, educational consistency, and placement stability for children in foster care. Steinberg also passed the first significant expansion of community mental health programs in more than a decade. And, in 2004, the voters approved Steinberg's Proposition 63, based on the pilot programs he championed in the Assembly, which generates more than $1 billion per year in state and federal funds to establish community-based mental health systems of care throughout the state. Steinberg was born in San Francisco on October 15, 1959. He earned a BA in economics from UCLA and a JD from UC Davis Law School. He served as an employee rights attorney for the California State Employees Association for 10 years before his work as an Administrative Law Judge and mediator. Steinberg served on the Sacramento City Council from 1992 to 1998.

Peter R. Orszag is Vice Chairman of Corporate and Investment Banking at Citigroup, Inc. He is also a Contributing Columnist at Bloomberg View and an Adjunct Senior Fellow at the Council on Foreign Relations. Dr. Orszag previously served as the Director of the Office of Management and Budget in the Obama Administration, and as Director of the Congressional Budget Office.He graduated summa cum laude in economics from Princeton University and obtained a Ph.D. in economics from the London School of Economics, which he attended as a Marshall Scholar. Dr. Orszag is a member of the Institute of Medicine of the National Academies of Sciences, and serves on the Board of Directors of the Peterson Institute for International Economics, the Mt. Sinai Medical Center in New York, the Robert Wood Johnson Foundation, ideas42, and the Partnership for Public Service.

Mr. Becker has over 30 years of experience in many areas of public finance, including general obligation bond financings, cash flow financings, certificates of participation and lease revenue bond financings, revenue bond financings, pension obligation bond financings, education financings, multifamily and single-family housing financings, tax allocation bond financings, assessment and special tax financings and industrial development bond financings.He has served as Bond Counsel, Underwriter's Counsel and Disclosure Counsel for issuances by a variety of public issuers in California. Those issuers include the State of California and its agencies and public instrumentalities, the Counties of Los Angeles, San Diego, San Bernardino and Fresno, The Metropolitan Water District of Southern California, the Los Angeles Unified School District, Rancho California Water District and the Cities of Los Angeles and San Diego. Mr. Becker is a member of the State Bar of California, the State Bar of New York and the National Association of Bond Lawyers.

Ms. Davis is a managing director at RBC Capital Markets in San Francisco with over 26 years of municipal finance industry experience. Ms. Davis is a general markets banker with primary coverage responsibility for the largest issuers in California including the State of California and the major California Counties, Cities and special districts. She has served as the senior banker and book running manager for over $20 billion in bond and note business over the past five years including a number of multi-billion financings for the State of California. Ms. Davis’ financing expertise encompasses a wide variety of products including general obligation bonds, water revenue bonds, lease revenue bonds, redevelopment and land development bonds, and pension obligation bonds. Ms Davis is active in a number of charitable organizations in the San Francisco bay area including Girls Incorporated of Alameda County, the Alameda County United Seniors and the 49er Foundation. Ms. Davis currently holds Series 7 and Series 63 licenses and has passed the Uniform CPA examination. Ms Davis holds a B.S. in business from Boston University and an MBA from the University of Southern California.

Ms. Harris recently joined Siebert Brandford Shank & Co., L.L.C. in March of 2012 where she heads the new San Diego Office. Prior to joining the firm, Ms. Harris served as the San Diego County Chief Deputy Treasurer for seven years. Her responsibilities included investing and managing more than $5 billion of public funds. Her management of the County’s investment pool has earned the highest credit quality rating (AAAf/S1) from Standard & Poor’s. In addition, she served as a member of the County Debt Advisory Committee. The committee approves the issuance, size, and type of the debt, the selection of underwriters, financial advisors, and bond counsel. Ms. Harris oversaw the issuance of approximately $2 billion in County debt. In her previous position as the Executive Director of the CA Debt Advisory Commission (CDIAC), Ms. Harris directed CDIAC’s three program areas: State’s clearinghouse for all public debt and investment data collection, policy research in the areas of debt, investment, and economic development, and technical assistance and education. Ms. Harris was also responsible for monitoring investment & debt portfolios for cities and counties in California. Prior to CDIAC, Ms. Harris served as the Assistant Deputy Airport Director of Business and Finance for the San Francisco International Airport. Ms. Harris had the overall responsibility of an operating budget of $550 million and a capital budget of $4.1 billion. While at the San Francisco Airport, Ms. Harris issued approximately $2 billion in Airport Revenue bonds and commercial paper to fund the construction of the 2 million square foot international terminal. Ms. Harris is a recent past member of the Board of Directors of the Government Finance Officer’s Association (GFOA) since June 2009. She has served as a member of the GFOA Debt and Treasury and Investment Management Committees, the GFOA Special Review Committee for Comprehensive Annual Financial reports (CAFR) and the Chair of the Black Caucus of GFOA. Ms. Harris is currently the Chair of the newly formed San Diego Chapter of the Women in Public Finance. Ms. Harris graduated from the University of California at Berkeley with a Bachelor of Arts in Economics, and received a Master of Public Policy from the University of Michigan. FINRA securities licenses held are Series 52.