Banco Popular de Puerto Rico

Clark Lord has a wide-range of experience in the public sector and in private practice. He serves special districts and governmental clients, many of which he created through the legislative or regulatory process, in a variety of areas ranging from their day to day affairs, to bond issuances. Clark also represents water district�s regarding water infrastructure and water rights matters. Clark frequently represents developer clients on special land development issues involving governmental regulations and bureaucracy. His experience with economic development matters has enabled him to create economic development programs for a variety of governmental units. He also represents many private developers and businesses in a variety of economic development transactions. Additionally, Clark drafts and lobbies for legislation involving special districts and economic development clients and industry. He often serves on special legislative working groups and committees in this area. Clark is a frequent lecturer on economic development, special districts, and real estate development at various industry conferences and educational forums, including the University of Houston's C. T. Bauer College of Business. Prior to entering private practice, he spent five years in the Houston City Attorney's Office managing economic development, special finance and land use matters.

Herman is TxDOT Maritime Division Director, responsible for coordinating with Texas ports, GIWW, marine-multimodal related projects and representing the Department interests with maritime stakeholders. He has been involved in the transportation industry for over 23 years in the private and public sectors. He has lived, worked and studied in the US, Latin America, Europe and the Middle East, traveling extensively overseas. He was maritime & intermodal director for Middle East companies. Previously he served as Projects-Government Director at Union Pacific Railroad Companies (Ferromex-Ferrosur). He has worked as director for seaport terminal´s, stevedoring, ocean bulk carriers and trucking companies in the Americas. Herman served as Port Director at Gulf and Pacific public port authorities. Mr. Deutsch is a certified PPM from the American Association of Port Authorities, he holds a degree in Port Administration from Antwerp University (Belgium), a BS in Civil Engineering and Masters in Engineering-Planning.

Sandy has served as Director of Finance for Tarrant Regional Water District (TRWD) since 1997.� The TWRD has a yearly combined budget of approximately $150,000,000 with total assets of approximately $2,312,170,000.� Prior to joining TWRD, Sandy was employed with Old American Store and �before that Arthur Andersen.Sandy has a BBA in Accounting from Texas A&M University.� She is an affiliate of the following organizations:� LOGIC (Board Member), the Women�s Center (Board Member), and GFOA.

ProfileJoined FirstSouthwest in 1999.Represents clients in transportation, health care, urban economic development, and public/private/partnerships.Provided services for issuers including the Dallas/Fort Worth International Airport; Philadelphia International Airport, Kansas City International Airport, Dallas Area Rapid Transit; Dallas Independent School District, Parkland Healthcare System, North Texas Tollway Authority, Denton County Transportation Authority, Dallas County, City of Philadelphia; City of New Orleans; Metropolitan Transit Authority of Harris County, and others.Has been involved with more than $15 billion in municipal bond financings.Prior to FirstSouthwest, served on the executive staff of the Texas Transportation Commission.EducationB.S. in Accounting, Northwestern State University of LouisianaCurrent AffiliationsThe� Texas Lyceum, Director – Class of 2014Circle Ten Council Boy Scouts of America, Executive Board and District ChairmanFellowship Christian Academy, Oak Cliff Bible Fellowship Project Turnaround, Volunteer Basketball CoachMid-Cities Texas Chapter of the Links Incorporated, Connecting LinkPast AffiliationsGreater Austin Chamber of Commerce, Executive Board MemberNorthwestern State University Football Team MemberNFL and CFL Football Free AgentLicenses HeldRegistered Representative of the Financial Industry Regulatory Authority (FINRA)General Securities Representative, Series 7Municipal Advisor Representative, Series 50Municipal Securities Representative, Series 52Uniform Securities Agent, Series 63Investment Banking Representative, Series 79�

Lisa joined Moody's Healthcare Team in 1990 and was named team leader in 2004. Lisa is a member of rating committee for the healthcare rating team as well as several other sectors within Moody’s Public Finance Group. Lisa has worked with numerous not-for-profit healthcare systems and hospitals across the country. As team leader, she leads a group of 11 analysts responsible for credit analysis and ratings of over 500 healthcare organizations. Lisa has authored several Moody’s “Special Comments” on timely matters relating to the healthcare industry and the impact on bond ratings and is a nationally recognized speaker. Lisa served on the national board of directors of the Healthcare Financial Management Association (HFMA) from 2006-2009 and is a faculty member of The Governance Institute. Lisa has annually been named by “Smith’s Research and Rating Review” to the All-Star Fixed Income Research teams. Lisa is a member of Healthcare Financial Management Association, Women in Health Management and Municipal Analysts Group in New York. Lisa received her B.A. in American Studies from Brandeis University and her M.P.A in Public Administration from New York University.

As Executive Vice President (EVP), Craig R. Carnaroli has been shaping Penn's physical campus, financial strength and operational efficiency since 2004. Reporting to President Amy Gutmann, Mr. Carnaroli is the University's most senior non-academic officer. His wide-ranging portfolio includes nine distinct business functions: audit, compliance and privacy; budget and management analysis; business services; facilities and real estate services; finance; human resources; investments; information systems and computing; and public safety.During his tenure at Penn, Mr. Carnaroli has led a variety of initiatives to support Penn's myriad operations, including: enhancing long-term credit ratings; increasing student financial aid; implementing a long-range plan to reduce Penn's carbon footprint; developing new housing and dining amenities; planning Penn's campus; and overseeing neighborhood initiatives in support of community and economic development.Mr. Carnaroli contributes to the city and region as a volunteer member of boards and committees, including: The University City District (Chair); the University City Science Center, (Chair); Philadelphia Industrial Development Corporation (Executive Committee); and The Greater Philadelphia Tourism and Marketing Corporation (Chair, Finance Committee).Prior to Penn, Mr. Carnaroli served as Penn's Vice President of Finance, and Treasurer, from 2000 to 2004, after serving as Vice President, Municipal Securities Division, for Merrill Lynch.Mr. Carnaroli is a 1985 graduate of Penn�s Wharton School of Business with a Bachelor of Science in Economics (cum laude), and a 1990 graduate of Stanford University's Graduate School of Business, with a Master's in Business Administration.

Janice Weinrick currently the Deputy Executive Director of the San Diego Redevelopment Agency and has also served as Vice President of the Centre City Development Corporation for 13 years. She is currently responsible for the oversight of San Diego’s 17 redevelopment project areas, coordination with the two redevelopment corporations and direct management of the day-to-day operations of the Redevelopment Agency and staff. Janice is a member of the Mayor’s management team and works in collaboration with other departments and agencies to create visionary plans realistic implementation strategies to revitalize neighborhoods and spur economic development.Janice is a second generation native San Diegan who grew up in a working household with a father in the development industry and a mother in public service. Janice has experienced the growth, development and redevelopment of California cities. “I found redevelopment and revitalization the perfect niche for my talents, life experience and passion!” Janice is dedicated to professional growth within the redevelopment industry. She is a mentor and coach for her work teams and young leaders.She has a mix of public and private sector development experience. She has been a redevelopment professional for almost 35 years.Janice currently serves as a board member for the California Redevelopment Association, the San Diego LISC and the San Diego Charitable Real Estate Foundation, advising the San Diego Foundation on the disposition of charitable gifts of real estate. She is a past President of the San Diego Chapter of Lambda Alpha International, an honorary land economics society and an active full member in Urban Land Institute. She has serviced on a variety of other Boards including the Alzheimer’s Association, YMCA, and Soroptimists International.