Banco Popular de Puerto Rico

Kevin Holloran, Director in Corporate & Government Ratings, joined Standard & Poor’s Rating Services in 2003. Kevin is the analytical manager of the central region, and responsible for managing ratings in the not-for-profit health care sector, private higher education sector and charter school sector. Kevin follows a portfolio of high-profile acute care health care credits around the country. Before joining Standard & Poor’s in 2003, he worked for 7 years in consulting at Ernst & Young, LLP and Cap Gemini Ernst & Young, focusing on post merger integration projects within the health care space. Kevin holds masters of health services administration from the University of Michigan and a bachelor’s degree in business from the University of Notre Dame.

Rudolph Giuliani, a name partner in the firm since 2005, has played a key role in the efforts of the New York office to expand and enhance the firmfs corporate, broker/dealer, bankruptcyand white]collar criminal defense client service teams. In addition to his decades of governmentand public service, where he gained extensive trial, appellate, public policy and regulatoryexperience, Mr. Giuliani honed his many skills and talents in the private sector, as both amember of prestigious New York law firms and as head of Giuliani Partners, a consulting firm. A native of Brooklyn, New York, Mr. Giuliani began his career as a law clerk to United StatesDistrict Court Judge Lloyd F. MacMahon in the Southern District of New York. In 1970, he joinedthe office of the U.S. Attorney and was soon named Chief of the Narcotics Unit and promotedto the position of Executive U.S. Attorney. In 1973, at age 29, Mr. Giuliani was placed in charge of the police corruption cases resulting from the highly publicized Knapp Commission report.Two years later, Mr. Giuliani was recruited to Washington, D.C., where he was appointedAssociate Deputy Attorney General and chief of staff to the Deputy Attorney General. In 1977,Mr. Giuliani returned to New York to practice law and joined the firm of Patterson, Belknap,Webb and Tyler.In 1981, President Reagan appointed Mr. Giuliani to be U.S. Associate Attorney General, theDepartment of Justicefs third highest position. In this role, Mr. Giuliani supervised the U.S.Attorney offices nationwide, as well as federal law enforcement agencies, including the Bureauof Corrections, the Drug Enforcement Agency and the U.S. Marshals Service. In 1983, hebecame U.S. Attorney for the Southern District of New York, where he earned a nationalreputation for his efforts to eradicate organized and white]collar crime and governmentcorruption. During his high]profile prosecutorial career, Mr. Giuliani secured 4,152 convictions,with only 25 reversals.Following his tenure as a U.S. Attorney, Mr. Giuliani returned to private practice as a partner at White & Case and later as a partner at Anderson, Kill & Olick.

Jill Schmidt is a Vice President in the Public Finance Southeastern Region at Assured Guaranty, where she is a municipal underwriter across a variety of sectors. Jill joined Assured Guaranty in June of 2010. Prior to joining Assured Guaranty, Jill spent three years in Fitch’s Global Power Investor Owned Utilities Group.Jill also spent five years at FGIC underwriting Public Finance transactions and additionally surveilling Investor Owned Utilities and Public Power transactions. Jill started her career as a research analyst at Moody’s Investors Service in 2000, spending the majority of her time as a municipal analyst in the Southeastern region. Jill earned her Master’s degree in Business Administration with a concentration in Finance and Investments from Baruch College, and gained her undergraduate degree in Accounting from Clarkson University. Jill is also a member of the Municipal Analysts Group of New York, National Federation of Municipal Analysts and Women in Public Finance.

Jenny is a Vice President/Senior Analyst on the Higher Education and Not-for-Profits Team, which she joined in December 2010. She is responsible for a diverse portfolio that includes large public university systems, private colleges and universities, and cultural and research not-for-profit institutions primarily in Kansas, Michigan, Minnesota, New York, North Carolina, Rhode Island, Tennessee, Texas, and the District of Columbia. Jenny joined Moody’s in June 2004 as an analyst in the Local Government Ratings Team where she was the lead analyst for Pennsylvania and New Hampshire regional ratings, and worked in New Jersey, Massachusetts, Florida, Alabama, and Virginia. In October 2008, Jenny assumed a position managing a 13-member team responsible for local government surveillance. In July 2011, Jenny authored Moody’s Fiscal Year 2010 U.S. Not-for-Profit Private College and University Medians. Jenny received a B.A. in Sociology from Barnard College, Columbia University and an M.P.A. from the New York University Robert F. Wagner Graduate School of Public Service. Prior to graduate school, Jenny worked for several years in the financial services industry, including four years at PricewaterhouseCoopers as a member of an internal change management team.

Michael Phemister is the Vice President of Treasury Management at the Dallas/Fort Worth International Airport and has been employed at DFW since 1999. In his tenure at DFW, he has been responsible for 32 bond issues totaling in excess of $10 billion. In addition he has structured and issued bonds for a consolidated Rent-A-Car Facility in 1999 and for the construction of a Grand Hyatt Hotel in 2001. In addition to managing the Airport’s debt, he is also responsible for the management of $2.8 billion of cash and investments, management of a $450 million retirement plan and for the management of federal grants and Passenger Facility Charges.Prior to coming to DFW Airport, he was the Chief Financial Officer for the City of Rockwall, TX and prior to that the CFO for the City of Forest Hill, TX. He has a total of 35 years’ experience in the municipal arena.Mike has a Bachelor Degree in Accounting from the University of Texas at Arlington and is a passionate sailor who hopes to someday search for new adventures on the seven seas.

DR. PHILIP FISCHER is the managing partner and co-founder of eBooleant Consulting, LLC. Dr. Fischer’s experience as the former head of Municipal Bond Research and the Global Index System at Bank of America Merrill Lynch gives him unique insights into the municipal market. He is a nationally recognized expert on fixed income instruments, sought out for economic and market analysis, risk management, presentations, expert witnessing, portfolio monitoring as well as training and teaching. Dr. Fischer has recently been named as a Board Member of Banc of America Preferred Funding Corporation. Dr. Fischer is also the author of INVESTING IN MUNICIPAL BONDS: How to Balance Risk and Reward for Success in Today’s Bond Market from McGraw-Hill Professional. Dr. Fischer is securities and futures registered through Broker Dealer Financial Services Corp., Member FINRA/SIPC, and an Investment Advisor Representative of Investment Advisors Corp., an SEC registered advisory firm.