Banco Popular de Puerto Rico

Scott is a Senior Vice President and the Head of Municipal Bond Research for The Hartford’s Investment Management Company’s Municipal Group which manages over $15B of tax exempt and taxable municipal bonds across multiple client portfolios, including the general account of The Hartford, institutional client portfolios, and retail products including HIMCO’s Municipal Opportunities and Real Return Funds. Prior to joining HIMCO, Scott was a First Vice President at Ambac, and before that he was a Senior Securities Analyst for RiverSource Investments at Ameriprise Financial. Scott’s responsibilities included relative value analysis of primary and secondary bond issuance, credit selection and sector strategies for $13 billion of actively-managed municipal assets, and credit analysis of the power, land secured, hospital, senior living, and project finance sectors. Previously, Scott was a Director in Fitch Ratings’ Global Power Group. Based in Fitch’s San Francisco’s office, Scott led the western region’s public power effort with responsibilities that included credit analysis, business development, and ratings on electric utilities. Before following power, his main responsibilities included rating and credit analysis on tax-supported transactions in the western region of the U.S.Scott earned a BS from North Dakota State University and a MPA from the University of Southern California. He is a current board member of the National Federation of Municipal Analysts. Finally, Scott has over 17 years of credit experience and has published and spoken on industry and investments relevant to municipal securities.

Benjamin Cook is responsible for originating and structuring financing for SolarCity's residential and commercial solar projects. Benjamin joined SolarCity with more than fifteen years of experience in energy project financing and development for solar and traditional energy projects.Prior to SolarCity, Benjamin was vice president of finance at Recurrent Energy, a distributed utility-scale solar project developer. Prior to Recurrent, he served as director of structured finance and business development in SunPower Corporation's systems division. Prior to SunPower, Benjamin developed and financed projects for Bechtel Enterprises, the project finance and project development group of the Bechtel construction group. Earlier in his career, Benjamin started and ran SELCO, a solar power developer, financier, and operator focused on emerging markets.Benjamin holds an MBA from the Stanford Graduate School of Business, and bachelors degrees in physics and economics from the University of Virginia.

Peter Hayes, Managing Director, is head of the Municipal Bonds Group within BlackRock Fundamental Fixed Income and a member of the Fixed Income Executive Committee. He leads the Municipal Bond Management Committee, which oversees municipal bond portfolio management, research and trading activities, and is a member of the firm's Leadership and Operating Committees. Mr. Hayes' service with the firm dates back to 1987, including his years with Merrill Lynch Investment Managers (MLIM), which merged with BlackRock in 2006. At MLIM, he was head of the short term tax-exempt trading desk, and managed the CMA Tax-Exempt Fund and other short term municipal bond portfolios. Prior to joining MLIM, Mr. Hayes was a trader for Shawmut Bank. Mr. Hayes earned a BA degree in economics from the College of the Holy Cross in 1981.

Reiko Kerr is the Assistant General Manager, Resources for Riverside Public Utilities, and is a certified public accountant. Her areas of responsibility currently include resource planning, market operations, power generation, contracts (energy, gas and transmission), joint projects, and regulatory compliance relating to wholesale energy and transmission activities under the Federal Energy Regulatory Commission, California Independent System Operator, California Energy Commission and North American Electric Reliability Corporation. Kerr started her public service career in 2000 when she joined RPU’s management team. Before serving in her current role, Kerr also served as RPU’s Assistant General Manager, Finance/Administration, Finance/Rates Manager; Energy Risk Manager, Assistant Chief Financial Officer; and Resources Contracts/Projects Manager. In addition to those outlined above, her areas of responsibility have also included all aspects of financial management for both the electric and water utilities including: financial planning, budgeting, financial reporting, debt issuance, rates administration and development, utility billing, customer service, field service, and information technology.Kerr serves on various committees of the Southern California Public Power Authority, the Intermountain Power Project, San Onofre Nuclear Generating Station, and the Mead-Adelanto and Mead-Phoenix Transmission projects. She is member of the American Institute of Certified Public Accountants, Institute of Management Accountants, and is a Charter Member of the Association of Women in Water, Energy and the Environment.

Vic Fazio was named senior advisor at Akin Gump Strauss Hauer & Feld LLP in May 2005. He served as a Member of Congress for 20 years representing California's third congressional district. During that time, he served as a member of the Armed Services, Budget and Ethics Committees and was a member of the House Appropriations Committee for 19 years where he served as Subcommittee Chair or ranking member for 18 years. Fazio was a member of the elected Democratic Leadership in the House from 1991-1998 including four years as chair of the Democratic Caucus, the third ranking position in the party, and four years as Chair of the Democratic Congressional Campaign Committee. From 1975 to 1978 Fazio served in the California Assembly and was a member of the staff of the California Assembly Speaker from 1971 to 1975. Fazio serves on numerous boards, including Northrop Grumman, National Parks Conservation Association, Ice Energy, Inc., Peyton Street Independent Financial Services, the Campaign Finance Institute, Energy Future Coalition, the Committee for a Responsible Federal Budget, Center for Strategic Budgetary Assessments, The Information Technology and Innovation Foundation, UC Davis Medical School Advisory Board and the UC Davis Foundation.

Richard Han manages Edward Jones’s Western Region Investment Banking operations. Rick joined Edward Jones in 2008 and has worked with states, local governments, school districts, universities, hospitals, airports, and utilities to raise over $27 billion in capital for new-money projects and refundings. Rick specializes in structuring fixed-rated municipal bonds for distribution directly to individual investors in the retail market. Rick earned a B.A. in history from the University of California at Berkeley, a J.D. from the University of Oregon School of Law (Oregon Law Review), and an M.B.A. in finance and strategy from Washington University in St. Louis. Rick maintains FINRA Series 7 and 66 licenses.

Victor Hsu is a public finance partner in the Los Angeles Office of Norton Rose Fulbright, specializing in transportation and municipal utilities.� His transit finance experience includes advising the Los Angeles County Metropolitan Transportation Authority as Borrower�s Counsel in connection with three TIFIA Loans aggregating over $1.5 billion in principal amount.� The most recent of these, the $856,000,000 TIFIA Loan for the Westside Purple Line Extension Project (Section 1), closed in May 2014 and is the largest TIFIA Loan for a mass transit project in the program�s history.Victor earned a J.D. from Yale Law School and an A.B. from Princeton University.��

Tim Reimers is passionate about project and infrastructure finance.� As a team leader for Polsinelli’s public finance and real estate finance practices, Mr. Reimers helps clients finance their capital needs.� His experience and reputation is built on innovative work in a wide range of projects financed with public securities and traditional mortgage lending.� He prides himself on understanding a client’s business and operations in order to achieve the client’s financing goals.� Mr. Reimers has experience assisting cities, counties, utility districts, ports, airports, schools, hospitals, high-speed rail, the State of California and its various agencies, as well as companies and investors, raise capital and borrow to finance projects and improve the national infrastructure.� Mr. Reimers is recognized as a leading securities and disclosure counsel.� He also has extensive experience in real estate transactional matters, including financings on behalf of lenders and borrowers, owners, property management, leasing, purchase and sales, mortgages and deed of trust matters, complex sale and leaseback transactions, loan restructuring and other workouts, development and title matters.� Mr. Reimers leads training seminars on various topics, including securities and disclosure responsibilities and compliance with SEC rules for staff and attorneys as well as opportunities for real estate lenders in the public finance markets.

Mr. Bengali has 27 years of public finance experience, the last 15 of which have been spent overseeing Stone & Youngberg’s Transportation Group (and now Stifel Nicolaus’ national Transportation Group). Mr. Bengali serves as the firm’s lead banker for the transportation programs of the Bay Area Toll Authority, the Santa Clara Valley Transportation Authority, the Orange County Transportation Authority and the San Diego Area Governments Transportation program.In addition, Mr. Bengali has worked on the transportation/transit funding programs of the Arizona Transportation Board. These assignments include the $9 billion toll bridge system debt program for BATA, the $1.5 billion sales tax Measure A program for VTA, the $700 million sales tax proposition A program for SANDAG, and the multi-billion dollar HOT lanes funding program for MTC. Mr. Bengali also led Stone & Youngberg’s team in serving as a co-manager for OCTA’s Measure M2 financing program. Prior to joining Stone & Youngberg, Mr. Bengali worked in project finance and engineering consulting, including a tenure at the World Bank. At the World Bank, Mr. Bengali structured the highway toll system lending programs for Singapore and Santiago, Chile. Prior to his work in public finance, Mr. Bengali’s engineering consulting career included design and implementation of large public works projects. Mr. Bengali earned a Bachelor of Arts degree in economics from Swarthmore College, a Master’s Degree in civil engineering from the Massachusetts Institute of Technology and a Master’s degree in business administration from the Wharton School of the University of Pennsylvania. In addition to non-recourse revenue bonds in the transportation sector, Mr. Bengali has structured numerous transactions for municipal clients where other non-recourse revenue has been pledged to achieve the financing goal. For example in structuring real-estate transactions commonly used in California that rely on a defined parcel tax; for golf course projects that rely on system revenues and power systems that rely on energy generation.

Karol K. Denniston has provided bankruptcy analysis and counsel to clients for more than 20 years. Currently, her practice is focused on municipal restructurings, including working with municipalities and creditors in connection with the pre-bankruptcy neutral evaluation process and in planning for efficient and cost-effective Chapter 9 bankruptcy filings. Ms. Denniston played a key role in the drafting and passage of Assembly Bill 506 (AB 506) that requires municipalities in California to participate in a neutral evaluation process before filing for bankruptcy. In addition, Ms. Denniston provides bankruptcy advice and counsel in connection with structured finance transactions designed to manage credit and collection risk by utilizing appropriate debt and equity structures. She frequently represents parties in Chapter 11 proceedings, most recently representing the Official Creditors Committee in the Round Table Chapter 11. She frequently advises lenders and borrowers in distressed commercial real estate restructuring transactions and often advises private equity clients on bankruptcy risk and restructuring. She is an experienced mediator and arbitrator, and has utilized all forms of alternative dispute resolution on behalf of clients to resolve matters arising in distressed multinational and domestic transactions.