Banco Popular de Puerto Rico

Peyton R. Patterson is the Chairman, President and Chief Executive Officer of NewAlliance Bancshares, the holding company for NewAlliance Bank which is headquartered in New Haven, Connecticut. Ms. Patterson joined the former New Haven Savings Bank in 2002 as Chairman, President and CEO. The following year, the Bank announced the simultaneous purchase of two Connecticut banks, Connecticut Bancshares (Savings Bank of Manchester) and Alliance Bancorp (Tolland Bank), as New Haven Savings converted to a publicly held institution. The combination of the three community banks in April 2004 then became NewAlliance Bank. The Initial Public Offering (IPO) raised over $1 billion and was the largest in U.S. banking history. As part of the IPO, NewAlliance also demonstrated its commitment to the communities it serves by contributing $40 million in NewAlliance stock to create the NewAlliance Foundation. NewAlliance is the 3rd largest bank headquartered in Connecticut and 4th largest headquartered in New England. As of December 31, 2009, the bank has $8.43 billion in assets and 87 branches in Connecticut and Western Massachusetts. Ms. Patterson has over 25 years of commercial and thrift banking experience with Dime Bancorp, JP Morgan Chase in New York and Corestates Financial in Philadelphia, Pennsylvania. In 2008, Ms. Patterson was named Community Banker of the Year by American Banker. In 2006, U.S. Banker Magazine named her as one of the top 10 Banking CEO’s nationwide. In 2004 and 2005, Ms. Patterson was named the 2nd Most Powerful Woman in Banking. Ms. Patterson received an A.B. Degree in Political Science from Kenyon College in 1978 and an MBA in Marketing from George Washington University in 1983. She serves on the Boards of the Consumer Bankers Association, The Greater New York United Way and is on the Executive Committee of Yale New Haven Hospital.Ms. Patterson grew up in Washington D.C where her mother worked for the State Department. She currently resides in Madison, Connecticut with her daughter, Kathleen.

Pat joined Nationwide Credit, Inc. (NCI) on August 5, 2003 as Executive Vice President with responsibility for defining and setting strategic marketing direction, as well as serving as the key contact and relationship manager for the company's top clients. He was promoted to Chief Executive Officer on November 22, 2004. An industry veteran, Carroll brings to NCI nearly 40 years of experience in call center collections, customer service and operational excellence.He joins NCI from Outsourcing Solutions, Inc (OSI). There, Carroll served in various executive capacities since 1996, most recently as Senior Vice President, National Accounts. He played a leadership role in the growth of several lines of business and was responsible for ensuring that top clients were fully engaged in its outsourcing, contingency, and portfolio businesses.Prior to his tenure at OSI, Carroll led nationwide marketing efforts for Payco American Corp. In his 32 years at Payco, which was acquired by OSI in 1996, Carroll was instrumental in establishing the corporation's first outsourcing clients in a wide variety of markets including healthcare, municipal governments, federal government student loan program, as well as collection contracts with numerous banking and financial services providers.

Mr. Leckerman has overall responsibility for the direction, management, and performance of NCO's operations. Since joining NCO in 1995, his comprehensive knowledge of the business process outsourcing industry has been essential in the rapid growth of NCO. Among his accomplishments are the successful implementation and management of programs for several top-tier clients, including the U.S. Department of Education, and the development of companywide performance monitoring methods and procedures.

Michael T. Goins holds the position of Center Manager, Jacksonville (FL) Customer Contact Center for Chrysler Financial. Mr. Goins is responsible for all loss recovery and severely delinquent collection strategies inclusive of collection agency management, litigation, debt sales, severely delinquent (91+dpd), skip, repossession, repossession operations, and redemption activity. Mr. Goins has been with Chrysler Financial since 1998. Prior to joining Chrysler Financial he was Vice President of Recovery for Barnett Banks, Inc. - Florida and started his finance and collections career with CIT Group in 1987. He has held industry advisory board positions and has spoken at various national conferences on topics including Loss Recovery and Debt Sales. Mr. Goins holds a BS in Business from Jacksonville University.

Diane Offereins is Executive Vice President, Payment Services, and a member of the Discover Financial Services Executive Committee. Ms. Offereins has been with Discover since 1998 as Executive Vice President and held the title of Chief Information Officer prior to overseeing Discover’s payments networks. Ms. Offereins has led PULSE, a business unit of Discover, since 2006, and added responsibility for Discover Network and Diners Club International in 2008.Prior to joining Discover, Ms. Offereins served as Senior Executive Vice President for MBNA America with responsibility for managing the corporate system development. Prior to that, Ms. Offereins was Vice President of retail delivery systems and wholesale delivery systems for Bank of America in San Francisco for five years, and with Southeast Bank for nine years, where her last position was Vice President and Director of Application Development.Ms. Offereins received her B.B.A. in accounting from Loyola University in New Orleans, Louisiana. In addition to her responsibilities with Discover, Ms. Offereins is a board member of the Loretto Hospital Foundation. She also belongs to The Chicago Network.

Raja Rajamannar is the Chief Marketing Officer of Citi’s Global Cards. In this role he is responsible to drive the business to the next level through transformative marketing strategies that will firmly establish Citi as the undisputed leader in the cards industry. Prior to this, Raja was Executive Vice President, Citi Cards, responsible for managing Citi Cards’ North American core businesses which included the Value, Cash, Rewards and Driver’s Edge businesses, as well as key partnership businesses such as AT&T. Additionally, he also managed New Product Development and Mobility initiatives. Before taking on this role, Raja was managing the Travel & Affluent Markets within Citi Cards, including the American Airlines partnership. He had taken on this assignment after spending nearly two years as Chairman and CEO of Diners Club, North America, where he led the transformation of Diners Club business strategy, through the path-breaking Diners Club-MasterCard alliance. He was on the Board of Directors of Diners Club International.Raja joined Citi in 1994 from Unilever and has worked in various capacities in Citi’s Global Consumer Group around the world, including serving as the Regional Cards Head for the Europe, Middle East and Africa region. His background includes 23 years of Marketing, Sales and Business Management experience. Raja holds a Bachelor’s in Chemical Engineering and has a Masters in Business Administration from the Indian Institute of Management, Bangalore.