Banco Popular de Puerto Rico

Eric L. Sandler is Director of Finance for East Bay Municipal Utility District. He has over 25 years of experience in municipal and infrastructure financing. Prior to joining the District, he was Director of Finance/Treasurer at the San Diego County Water Authority. He also served as Director of Financial Planning and Acting Director of Finance for the San Francisco Public Utilities Commission. Previously, he was employed by Lehman Brothers in the municipal investment banking group in San Francisco. He has a Bachelor�s degree in Biology from Stanford University and a Master�s degree in Business Administration from the University of California, Berkeley.

Kevin Klowden is director of the California Center at the Milken Institute and a managing economist in the research group. His primary focus is on demographic and spatial factors such as the distribution of resources, business and labor in a region, the effects of public policy on these factors, and the subsequent impact on regional economies, particularly California. Klowden was the lead author of "Film Flight: Lost Production and Its Economic Impact in California" and its recent follow-up, “Fighting Production Flight”, "California’s Position in Technology and Science,” and “Charting a Course for Arizona’s Technology-Based Economy.” He has written about the role of transportation and freight infrastructure on job growth in "California's Highway Infrastructure: Traffic's Looming Cost," "Jobs for America," and the Wall Street Journal, among other publications. In addition to writing on the role of technology-based development in publications such as "North America's High-Tech Economy," he has written on and spoken about state fiscal issues including the effect of long-term obligations and international factors on municipal finances.He holds graduate degrees from the University of Chicago and London School of Economics.

Henry McLaughlin was appointed Management Analyst III to supervise the Administrative Section of the Water Division in 1994. This section includes accounting, finance, budget (operations and maintenance, capital and debt service), rate setting, personnel, safety, risk management, customer service, purchasing, the Conservation program and special projects. Prior to transferring to the Water Division, he was a Senior Budget Analyst in the Budget and Management Services Division (BMSD), a Management Analyst in the Transit Department and a Fleet Administrative Supervisor in the Fleet Management Division. Henry started his career with the City of Fresno as a volunteer in BMSD in 1984 before accepting a temporary position and then moving over to Fleet Management. He has been a permanent employee with the City of Fresno since 1986. Henry graduated from California State University Fresno in 1980 with a BS degree in Business Administration.

Tom McLoughlin manages the fixed income research team at UBS Financial Services, where he focuses on both the taxable and tax exempt markets on behalf of wealth management clients. In his current role, Tom focuses on economic policy, corporate credit, preferred securities and tax exempt bonds.Tom has spent 30 years in the credit markets and served as CEO of National Public Finance Guarantee Corp before joining UBS. Prior to his tenure at National, he held a number of positions at MBIA Insurance Corp., including head of Global Public Finance. His career also included service with Legg Mason, the GFOA, and Moody's Investors Service. He holds a bachelor’s degree from SUNY Albany and a master’s degree from George Washington University.

Marc Joffe is a policy analyst at the Cato Institute and outgoing chairperson of the XBRL US Standard Government Reporting working group.

Scott Richbourg manages the Public Finance Department. Prior to joining BAM, he was Executive Director and Manager of the Southern Group for Public Finance at Morgan Stanley with responsibility for all municipal underwriting activity in the region. Before that, he was Managing Director of the U.S. Municipal Finance Department at FSA, which he joined in 2001. In the position, he was the head of strategic planning, business development and underwriting across all financial guaranty sectors of the municipal market, including both primary and secondary issues. Earlier, he was Vice President and Co-Head of the Infrastructure Group at Goldman Sachs and an investment banker at PaineWebber. He holds a B.A. in Economics from James Madison University.

James H. Pope, General Manager, was appointed General Manager of the Northern California Power Agency in January 2004. Prior to his appointment at NCPA, Mr. Pope served as the Director of the Electric Utility for the City of Santa Clara. Mr. Pope has experience in the electric and gas industry with a background in general management, operations, engineering and construction for PG&E serving as Vice President, Technical and Construction Services; Vice President for Sacramento Valley Region; and Manager, Gas Transmission and Distribution Construction. Mr. Pope has been in various public power leadership roles, including positions as Chairman and Vice Chairman of the Transmission Agency of Northern California (TANC) where he initiated the process that led to the construction of Path 15. Mr. Pope now serves on the Board of Governors of the California Municipal Utilities Association (CMUA), and the Board of Directors of the California Foundation on the Environment and the Economy (CFEE). He also served as a member of the Board of Governors of the California Independent System Operator (ISO). In March 2002, he was appointed by U.S. Department of Energy Secretary Spencer Abraham to serve on the Secretary’s Electricity Advisory Board. Mr. Pope has a Bachelor of Science degree from Oregon State University and a Masters of Science degree in Civil Engineering from Stanford University. He attended the Harvard University Business School (Program for Management Development) Executive Program.

Linda leads M&T�s Education Investment Banking Group dedicated to education: both private and public higher education , student housing corporations, independent schools & charter schools.� Her background includes having been a Director at Standard & Poor�s in the Education/Non-Profit Ratings Group, as well as Managing Director of Higher Education for National City Capital Markets.� She has been an investment banker for 30 years, preceded by a short career as an Urban Planner. �She is currently a trustee of Messiah College, Saint Francis University and Board Secretary for the Catholic Charities Free Health Center.

Mark Paris is a Managing Director and heads the Financial Products and Strategies Group within Public Finance at Citi. This business focuses on derivative products and structured products for all municipal clients, including higher education and healthcare. Over his 24 year career as an investment banker and manager, Mark has worked with over 150 healthcare and higher education clients. During his tenure at Citi, Mr. Paris has also managed the Higher Education Group and continues to lead Citi’s Corporate Partnerships initiative.Mark began his investment banking career at Merrill Lynch in 1988 as a financial products origination banker for healthcare. Since that time, he has been responsible for the marketing and execution of tax-exempt, client-based, derivative transactions, lending products and other financial products. Mr. Paris is known throughout the Street as the original designer of basis swap applications for municipal issuers in 1990. His team is also responsible for the development of balance sheet risk metrics. Over the years, he has worked on several committees to craft appropriate metrics for managing new rules and policies affecting the municipal markets.Mark has served on several not-for-profit boards, including Muhlenberg College, Gill St. Bernard’s School, Solaris Health System and the United Methodist Church in New Jersey. Currently, Mark is Chair of the Peabody Institute National Advisory Council at Johns Hopkins University. Mark received his Masters in Public Policy from Harvard University and has undergraduate degrees from Johns Hopkins University and Muhlenberg College.

John Renken is a graduate of DePauw University, University of Michigan (Ross) Business School and Indiana University (Maurer) School of Law. Mr. Renken joined the law firm of Hawkins Delafield & Wood LLP (“Hawkins” or the “Firm”) as a partner in January 2006. Prior to joining Hawkins, he was a senior principal at another law firm, where he had management responsibilities for offices of that firm in Michigan and Washington, D.C.His practice is focused on finance and transactional matters, with an emphasis on such activity within the health care, higher education and housing sectors. Mr. Renken has been lead counsel for issuers, borrowers, underwriters, lenders and credit providers in connection with more than $15 billion of financing activity, and he has participated in transactions in nearly every state during his more than 20 years of practice.Mr. Renken is the individual primarily responsible for the Firm’s bond counsel relationships with Trinity Health Credit Group, the Michigan State Housing Development Authority, Hawaii Housing Finance and Development Corporation and Nevada Housing Division; the Firm’s underwriter’s counsel engagements with Oregon Health and Science University, Providence Health & Services, Catholic Healthcare Partners, Sisters of Charity of Leavenworth Health System, Hawaii Pacific Health, William Beaumont Hospitals, Greater Fairbanks (Alaska) Community Hospital and MultiCare (Washington) Health System; and the Firm’s corporate/institution counsel engagements with Wake Forest Baptist and Cadence Health System.Mr. Renken has advised government entity clients with respect to constitutional and legal authority, contracts, pending legislation, proposed regulations, litigation, compliance matters and federal tax programs. For private sector clients, he has organized and maintained private business entities, including assistance with applications for tax-exempt status, merger/affiliation work, §501(c)(3) joint venture documentation, public-private partnerships, start-up activities, compliance matters and on-going general legal representation.Mr. Renken has served as a speaker at conferences of the National Association of Bond Lawyers, the American Bar Association and the National Association of Local Housing Finance Authorities. He has authored articles on a variety of issues relating to tax-exempt financing which are relied upon by clients and lawyers around the country. Mr. Renken is a member of the National Association of Bond Lawyers, the American Health Lawyers Association and the California Society for Healthcare Attorneys.