Banco Popular de Puerto Rico

Judy Long�s banking career began in 1974 at First Citizens National Bank.� She graduated from Dyersburg State Community College and completed her 4-year degree at Union University, Jackson TN majoring in Business Administration with a concentration in Finance.� She is also a graduate of numerous banking schools, graduating from Mid-South School of Banking, Memphis TN; Bank Administration Graduate School of Bank Operations and Technology, Nashville TN; and Bank Administration Institute, Madison WI.� Judy is also a graduate of WestStar Leadership Program sponsored by the University of Tennessee at Martin and the Dyersburg/Dyer County Leadership Program.Today, Judy serves as Executive Vice President and Chief Operating Officer of First Citizens National Bank.� In September 2011, she was named to the Board of Directors.�Judy has been active in industry affiliations and an advocate of smaller community banks.� She represented Region 4 on the FIS Horizon Division Community Bank Share Board and was elected as President in 1998.� In 2011, she was appointed to the Charter Bank Board of Directors of Fidelity National Information Systems.� Judy has served on the Board of Directors of Southern Financial Exchange Regional Payments Association since 2003.� She has served in various positions including Chairman of the Board and Executive Committee in 2008-2009 and Conference Chairman in 2004 and 2008.� Judy is active in Tennessee Bankers Association, serving as Chairperson of the Tennessee Bankers Technology Conference in 2010 and has served on the conference organizing committee since 2004.� She has been a conference speaker and participant for these organizations for many years.� She was elected to the Board of Directors of NACHA in 2010 and served on the Payments 2010 Conference Planning Committee.� Judy also serves on the Southern Financial Exchange Board.� She is heavily involved in all aspects of organizations involving bank operations.

Amit Parikh is the head of prepaid for Discover Financial Services. He has had the role of Director of Business Development since 2010. In this capacity, Mr. Parikh completed multiple strategic investments and secured Discover Financial Services� relationship with Rupay, the largest domestic payment network in India. In early 2013, he was given the added responsibility of being the Global Head of the Prepaid.Mr. Parikh joined the company in 2002 and has held several positions in Information Technology and Investor Relations before assuming his current role. He has extensive knowledge of the financial services, information technology, and payments industries.Mr. Parikh is a member of the Finance Committee of DoSomething.org, a New York-based not-for-profit that helps young people make a positive impact on their communities and their own lives.Mr. Parikh holds MBA degrees from both the Walter A. Haas School of Business at the University of California at Berkeley and the Columbia Business School.

Andrew M. Orent is the President and CEO of Nautilus Hyosung America.�� Prior to this appointment, Mr. Orent was Vice President, Oracle Banking Platform, and Global Business Team Leader where he was responsible for the Go to Market of a new banking solution.Prior to joining Oracle, Andy led the global WW Financial Services Industry team at HP. Andy and his team were responsible for the Strategy, Solution Portfolio, Go to Market and Community for this key� segment. Andy joined HP in 2008. �Andy has spent more than� 30 years selling technology, software and services to the financial services industry.� �He held a number of key leadership roles in general management, sales and marketing at NCR that included: Vice President, World Wide Industry Marketing, Vice President and General Manager of the Payment and Imaging business unit, and Vice President Financial Solutions Americas.Andy holds a Bachelor�s Degree in Accounting from Indiana University is married and has two grown daughters.�

Amy Crews Cutts joined Equifax as Chief Economist in March, 2011.� A recognized industry expert, Cutts has over 20 years of economic analysis and policy development experience.� She is responsible for analytics and research relating to the consumer wallet � assets, income, credit, and spending along with macroeconomic factors affecting the consumer.� She is also responsible for macroeconomic forecasting and commentary and the economic analysis of small business credit.Often quoted in national print and broadcast media, Cutts has also published numerous studies on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, and drivers of strategic mortgage default.Cutts holds a Master�s and PhD in Economics from the University of Virginia and a Bachelor�s degree in Applied Mathematics from Trinity University, San Antonio, TX.

Ms. Miles oversees VeriFone�s business in North America, Latin America and the Caribbean.� She was previously Executive Vice President of North America for VeriFone, which included the company�s Financial, Mobility, Retail, Petro, Transit, Retail Banking, Hospitality, Security, Healthcare, and Government business units.Since joining VeriFone in 2001, Ms. Miles has played an integral role in driving the successful growth of VeriFone's solutions.She holds a bachelor degree in Business Administration from the University of Georgia.

Erik Vlugt is responsible for Verifone’s global product line, which includes the retail, petroleum, and financial channels, focusing on emerging technologies, including EMV, NFC and mPOS. Erik speaks regularly on these topics at industry events, and in 2012, addressed the Congressional Financial Services Committee on the topic of emerging payment technologies. In 2014, Erik was appointed to the EMV Migration Forum Steering Committee.Prior to joining Verifone, Erik held consumer electronics product management and technical marketing positions at TDK Corporation and ShareWave, which was later acquired by Cirrus Logic. He is a native of The Netherlands and obtained his degree in Computer Science and Business in Amsterdam.

Michelle Yuan is the director of sales and marketing at Bindo, a cloud-based iPad point-of-sale with a web and mobile storefront enabling online shopping for the end consumer. Previously, she worked in the investment banking industry and has a Bachelors of Economics from Columbia University.

Christiaan Brand is co-founder and chief technology officer of Entersekt, where he oversees Entersekt�s information technology services, mobile processing platforms and enterprise applications, playing a key role in application development, infrastructure and operations. Additionally, Brand leads the delivery of Entersekt�s cloud and mobile strategies, ensuring that the company is well positioned to address the introduction of new business models and payment types.

Neil Erlick is executive vice president of business development at Optimal Payments Plc where he oversees the company�s U.S. gaming initiatives and strategic partnerships. He recently participated in a roundtable on online gaming payments at the eGaming Review North America New Jersey Briefing.