Banco Popular de Puerto Rico

Chitra joined Citi from American Express, where she was most recently Senior Vice President and head of Strategy for the Enterprise Growth Division. In shaping the strategy for this new division, she helped to identify innovations, technologies, and business models that are most relevant to online and mobile payments as well as digital commerce. She also established strategic relationships with the startup and VC community as part of American Express� outreach efforts in Silicon Valley. Previously Chitra was a senior member of the Corporate Development group responsible or all types of M&A activities, including acquisitions, investments, joint ventures and divestitures globally across the Company. She completed a number of large strategic transactions at American Express including the sale of American Express Bank, the acquisition of Harbor Payments, the investment in Industrial and Commercial Bank of China (ICBC), and the spin-off of American Express Financial Advisors. She has also led various business development initiatives and was instrumental in establishing the Corporate Development group at American Express. Chitra started her career in investment banking at Credit Suisse First Boston focusing on real estate finance and fixed income securities. Chitra graduated from Dartmouth College and has an MBA from Columbia University. She lives with her husband and three children in Scarsdale, NY.

Avivah Litan is a Vice President and Distinguished Analyst in Gartner Research. Her area of expertise includes fraud detection and prevention applications, authentication, identity proofing, identity theft, and other areas of adaptive access management, information security, and risk. She also covers the PCI compliance program, tokenization, and the security aspects of payment systems. Before joining Gartner, Ms. Litan worked as a director of financial systems at the World Bank. She also worked as a journalist and columnist for the Washington Times. She has an M.S. from Massachusetts Institute of Technology.

Geoff Iddison is group executive, e-Commerce. In this capacity, he is responsible for providing overall strategic leadership for global electronic commerce that support all lines of business and for expanding MasterCard’s presence and capabilities in this rapidly evolving and increasingly important channel. He leads the evaluation of consumer and competitive trends in these areas; formulates strategies to anticipate and address new opportunities; and, ensures that MasterCard is positioned to prevent or thwart disintermediation plays from both traditional and emerging forces. Before joining MasterCard, Mr. Iddison was the chief executive officer of Jagex, an online gaming company whose founders created “Runescape,” one of the largest and most popular online pay-to-play games. His prior role was chief executive officer of PayPal Europe, where he took the business into new vertical sectors, such as mobile payments and VoIP. Previously, he held the simultaneous roles of chief executive officer of Butterfields, one of the largest auction houses in the U.S., and vice president/general manager of eBay High-end Business. While at eBay, Mr. Iddison led the design and development of the unique eBay Live Auctions software where offline businesses are integrated into eBay’s online sales formats. Mr. Iddison's background includes additional experience in the auction world as chief operating officer of Christie’s Inc., based in New York, and a similar position with Sotheby’s, based in London. He was founding partner of IPS Ltd, a business specializing in the design and development/supply of tailored systems based on open platform technologies for the publishing industry. His Bachelor of Science degree is from the University of East Anglia and is in Physics and Electronics.

Katherine Yee has over 25 years of banking experience in the areas of financial reporting, retail bank finance, electronic banking, and debit and prepaid card product management and new product development at Crocker National Bank, Bank of America and Wells Fargo. She currently manages the prepaid business for Wells Fargo Bank.� Products include gift, general purpose reloadable, payroll and government.� Prior to running the prepaid business, managed the marketing and product development for the debit card consumer and business portfolios. Yee holds B.S. from the University of Santa Clara and an M.B.A. from the University of San Francisco.

Prior to joining WesBanco Bank Inc. in July 2010 as the Vice President of Collections, Mr. Doyle was the Collections Manager for Buchanan Ingersoll and Rooney, PC., an AM Law Top 100 firm in the United States, from April 2007 until July 2010. He and his department were responsible for the collection of approximately $250 million in annual fee revenue. By creating a team atmosphere within his department of (6) direct reports, executive management, and the (400+) lawyers, as well as integrating IT solutions with vendor relationships, he created efficiencies that achieved between 90 and 95 % of annual cash budget, reduced bad debt write offs by 50 %, and increased recoveries by 25 %. Upon his departure in July 2010 the firm was $ 4.2 million ahead of cash budget which is the largest increase of cash flow to budget for the firm since 2005. During the period of February 2006 through April 2007, Mr. Doyle had taken an interim position as the Program Director for Business Administration at Sanford Brown Institute (formerly the Western School of Health and Business Careers). He was responsible to educate, mentor, and assist with career placement for students enrolled to earn their Associate Degree. While he was at Western, the business program improved to a 93 % retention / graduation rate. From March 1999 through August 2005, he achieved the level of Senior Vice President for GLS Capital Services, Inc. (�GLS�), which is a wholly owned subsidiary of Dynex Capital Inc. (NYSE: DX), which at the time held $ 1.2 billion in assets. During his tenure at GLS he was responsible for all voluntary (pre-foreclosure) and involuntary (foreclosure) collection activities relating to the Allegheny County (Pittsburgh, PA) and Cuyahoga County (Cleveland, OH) tax lien portfolios. GLS collected over $ 60 million from its tax lien portfolio operations which were valued at nearly $200 million. As the SVP he coordinated the implementation of GLS� collection policy and procedure as well as the training, recruitment, and development of the collection and legal staff. In addition, he was instrumental in the development of GLS� proprietary business system, Tax Lien Servicing (TLS). Other duties include, but were not limited to, strategic planning, P/L, and oversight of operations. The staffing level, at the peak of operations, totaled 39 direct reports. Included in the staff were (2) Vice Presidents and (4) junior managers. Preceding GLS, Mr. Doyle served from May 1995 to March 1999 as the Credit Manager for Bruceton Farm Service Inc. (�BFS�). During that time BFS was made up of (4) wholly owned subsidiaries, which included (14) plant and (23) store location in the quad state region of Pennsylvania, Ohio, West Virginia, and Maryland. He was solely responsible for policy and procedures in the collection and underwriting of both individual and commercial accounts translating into $ 22 million dollars of annual credit sales. At the beginning of his tenure the company had approximately 26 % of its receivable aged beyond 90 days delinquent. Upon leaving BFS in March 1999, only 3 % were aged beyond 90 days delinquent, with very little being written off as uncollectible. Subsequent to BFS, he was a front line collector for Kaufmann�s Department stores, a subsidiary of the May Co., from February 1992 to September 1992, after exceeding performance goals as a collector he was promoted to Supervisor of Customer Service in September 1992 until his departure in May 1995. He was responsible for a staff of (9) direct reports that coordinated the resolution of customer inquires/complaints regarding both furniture and general merchandise purchases for (40) branch stores. A graduate of the West Virginia University, Mr. Doyle earned his B.S.B.A. � Finance degree in August of 1989. He completed his M.B.A. from Waynesburg College in December of 2002.

Kelli Jones is Senior Business Leader, IPS Major Implementations for MasterCard Worldwide. �She is responsible for leading large, complex conversions and start-ups on the Integrated Processing Solutions (IPS) platform that was launched in 2008 at MasterCard. � Ms. Jones has more than 18 years of payment industry experience; primarily in implementations of debit, prepaid and ATM cards. �Prior to joining MasterCard in June 2009, Ms. Jones was at First Data, where she held positions of increased responsibility including Director, Client Implementations and Support. � Ms. Jones graduated from Creighton University in Omaha, NE with a degree in Organizational Communication.

Jon Rosner is Vice President, Product Development at American Express. In this role Mr. Rosner is responsible for product and capability development for the US Payment Options business including the creation of Bluebird, a debit and checking alternative in partnership with Walmart. Prior to assuming this position, Mr. Rosner held a variety of roles of increasing responsibility at American Express in marketing, strategy, finance and business development in Strategic Planning, Merchant Services, International Consumer Card and Travelers Cheques.�� Mr. Rosner earned a BS from Wharton and an MBA from NYU.