Banco Popular de Puerto Rico

Gerry Meklaus is a Senior Managing Director in the healthcare group of FTI Consulting’s Corporate Finance practice. Mr. Meklaus is a physician enterprise solution leader providing national consulting services to leading organizations. He has a demonstrated ability to effectively and sensitively help organizations evolve their cultures and operations to achieve high performance in the ambulatory arena. His also has demonstrated achievements in medical group practice administration, academic medicine, ambulatory operations and related consulting services. Mr. Meklaus received his Master of Health Services Administration from the University of Michigan and his Bachelor of Arts in Philosophy from Binghamton University. He also received his Bachelor of Science in Cardiorespiratory Sciences from Stony Brook University.

Sean W. McCarthy is the co-founder of Build America Mutual Assurance Company. Prior to that, he was Chief Operating Officer (COO) of Assured Guaranty (NYSE:AGO),.following its acquisition of Financial Security Assurance (FSA) in July 2009. He was formerly President and COO of FSA. Joining FSA in 1988, he was a principal in the development of FSA's business in the municipal, international public and structured finance markets. Prior to becoming President and COO, he headed the Financial Guaranty Department. He also chaired the Association of Financial Guaranty Insurers (AFGI) from 2006 through 2011. He graduated from Georgetown University (BA,'82).

Michael Nadol is a Managing Director with PFM, co-leading the firm�s Strategic Consulting practice nationwide. Mr. Nadol focuses on public sector budgeting and financial sustainability, with specialized experience in government workforce strategies. Prior to joining PFM, Mr. Nadol served the City and County of Philadelphia in positions including Deputy Mayor, Director of Labor Negotiations, and Director of Finance. In addition, he served as DeputyCommissioner for the Philadelphia Water Department, overseeing both finance and human resources for one of the nation�s largest environmental utilities.At PFM, Mr. Nadol has provided strategic and quantitative support for human resources reforms and collective bargaining on behalf of clients including the Commonwealth of Pennsylvania, City of New York, New York Metropolitan Transportation Authority, City of Austin, Montgomery County, Maryland and the City of Philadelphia. He has testified as an expert witness on compensation issues in binding interest arbitration in California, Maryland, New Jersey, New York, and Pennsylvania. In addition to workforce services, Mr. Nadol has worked on multi-year financial plans for multiple governments including Nassau County, New York and Kansas City.� In addition, Mr. Nadol has worked with clients from the Philadelphia School Reform Commission to Washington, DC to streamline work processes and service delivery.Prior to joining PFM, as Philadelphia�s Director of Finance and in previous positions within the City�s Office of the Mayor, Mr. Nadol worked on management and budget initiatives key to the City�s turnaround from the brink of bankruptcy in 1992 to its then-record $206 million surplus in 1999. While in the Office of the Mayor, Mr. Nadol served as Director of Labor Negotiations for 1996 collective bargaining covering over 22,000 municipal employees. In addition, he was active on the city�s 1992 labor negotiating team, with the restructuring of employee safety and risk management programs, and in the development of joint labor-management productivity initiatives. As Deputy Water Commissioner, Mr. Nadol served as chief financial and administrative officer for a $400 million water, wastewater, and storm water utility with over 2,200 employees. Mr. Nadol has co-edited Management Innovation in U.S. Public Water and Wastewater Systems (2005) and America�s Water and Wastewater Industries, Competition and Privatization (2000).Mr. Nadol earned a Master of Governmental Administration degree from the University of Pennsylvania, and a Bachelor of Arts, Summa Cum Laude, from Yale University. Mr. Nadol is on the adjunct faculty of the University of Pennsylvania, Fels Institute of Government, teaching a masters-level seminar on competitive government. In addition, he is a member of the Committee of 70, Greater Philadelphia�s leading nonprofit civic watchdog organization, and served as the Governor�s appointee and Chair of the Commonwealth of Pennsylvania Task Force on School Cost Reduction.

Ben Winter is an analyst for the Office of Policy Development at HUD since the fall of 2009. Ben provides analytical support to HUD's senior staff and program offices for the development of a variety of Departmental policies and initiatives. He has a special interest in affordable housing provision, community and economic development programs, and delivering effective and innovative policy solutions. Prior to HUD, Ben was a Briarwood Fellow at NYU's Furman Center for Real Estate and Urban Policy and studied the New York City zoning resolution and housing and community statistics. He completed a Master of Urban Planning at NYU's Wagner School for Public Service and an undergraduate degree in International Relations, Spanish Literature, and Global Cultures at UW-Madison.

Stan Ladner joined the New York location of Fulbright & Jaworski L.L.P. in 2003. As a partner, he focuses his practice on public finance matters, leasing transactions and structured and project finance. Prior to joining Fulbright, he was a partner at another New York law firm. Stan is experienced in virtually every facet of public finance, with an emphasis on housing, utility, health care and transportation transactions. In connection with the issuance and sale of public securities and private placements, he has represented issuers, underwriters, insurers and lenders. As the head of his previous firm's New York leasing office, Stan has substantial experience in leasing, both domestic and cross-border, with an emphasis on transportation and utility transactions. He has represented lessors, lessees and lenders. Stan also has an active practice in structured and project finance, including the use and development of various financial products, both corporate and tax-exempt related, and hedging transactions, including swaps, caps, collars, float contracts, forward delivery arrangements, guaranteed investment arrangements, indexed notes, call rights, options and repurchase agreements, among others.

Donald J. Boyd is executive director of the Task Force on the State Budget Crisis, co-chaired by former New York Lieutenant Governor Richard Ravitch and former Federal Reserve Board chairman Paul Volcker. The Task Force is conducting a deep examination of fiscal crises in the states. Boyd currently is on leave from his responsibilities as a senior fellow at the Rockefeller Institute of Government, where he conducts research on state and local government fiscal issues.Don has more than 25 years experience analyzing state and local fiscal issues. His past positions include deputy director of the Rockefeller Institute of Government and director of its fiscal studies program; deputy director of the Center for Policy Research at the State University of New York at Albany where his research focused on education issues and teacher labor markets; director of the economic and revenue staff for New York State’s budget office; and director of the tax staff for the New York State Assembly Ways and Means Committee.  Don holds a Ph.D. in Managerial Economics from Rensselaer Polytechnic Institute in Troy, New York.

Mr. Robert Williams, Jr. is a Managing Director in the Public Finance Department at RBC CM. Mr. Williams began his career in municipal finance at Sutro & Co. Inc. in 1985 and has 27 years of investment banking experience. Prior to RBC CM, Mr. Williams worked 6 years as a legislative analyst for the Alaska State Legislature. Mr. Williams specializes in California city municipal financings, and has extensive experience with JPA financings, the Mark-Roos Act, and special assessment bond financing. He is the lead banker for the Statewide Community Infrastructure Program (SCIP) sponsored by the Californian Statewide Communities Development Authority (CSCDA), which is a pooled assessment bond program. SCIP was used as the PACE model for California First, a PACE program sponsored by CSCDA. Mr. Williams is also co-lead banker for RBCCM to refinance the Sonoma County Energy Independence Program (PACE Bonds). Mr. Williams holds a Bachelor of Arts from the University of California at Santa Barbara, a Master’s degree in Public Administration from the Kennedy School of Government at Harvard University and an MBA in finance from the University of Pennsylvania, Wharton School. Mr. Williams is currently registered with Financial Industry Regulatory Authority, Inc. (“FINRA”) with Series 7, 63 and 79 licenses.

Kevin Dunphy, Managing Director and Head of Public Finance, Mitsubishi UFJ Financial Group (MUFG). In this capacity, Mr. Dunphy is responsible for the management of domestic government and not-for-profit relationships. This includes providing a comprehensive suite of banking services, such as credit, capital market, treasury management, trust and custody, and credit card services.Mr. Dunphy has more than 30 years of commercial banking experience including 18 years at The Bank of New York where he was Founder and Head of the Public Finance Division and Government Banking Division. He has expertise in structuring, analysis, pricing, and administration of governmental and not-for-profit credit transactions. Mr. Dunphy has held various credit approval authorities including seats on several credit and portfolio management committees.Mr. Dunphy received a Bachelor of Science in Business Administration degree from Villanova University and a Master in Business Administration degree from New York University. He holds Series 7, 24, 52, 53, 63, and 79 securities licenses.�

John Hirschfeld is the co-founder and CEO of Class Green Capital Partners, a New York City based firm that combines financial, sustainability, real state, and municipal expertise. Class Green has recently executed “green monetizations” for the City of Newark, NJ ($73 million) and Providence, RI ($35 million), which provided low-cost, general-purpose funding, while improving the energy and operating performance of the cities’ buildings.John has executed over $10 billion of real estate and related transactions, held senior positions at Citigroup and several leading real estate firms, and practiced law.John graduated from Harvard College and Fordham Law School.

Jim Maley heads up the law firm of Maley & Associates, a law firm with over twenty five years of experience representing private and public entities in economic development and land use projects, and is an experienced trial attorney. His redevelopment work has been recognized with an Achievement in Planning Award from the New Jersey Planning Association. Since 1996, Jim Maley has served as the Mayor of the Borough of Collingswood, where he has held elected office since 1989. During his tenure as Mayor, the Borough has a series of redevelopment successes in commercial and residential projects. In 2011, Forbes magazine named Collingswood one of the 10 Most Transformed Communities in America. The Borough's latest success is a transit-oriented downtown mixed-use development– the Lumberyard – being developed by the Borough that was awarded a Smart Growth Award for Downtown Redevelopment from New Jersey Future and an award from the American Planning Association. The Borough's downtown has been named one of the Great Places in America by the American Planning Association - the first place in New Jersey to receive the distinction - and Collingswood's Farmer's Market has been named America's Favorite Farmers Market by the American Farmland Trust.