Banco Popular de Puerto Rico

Chris Hamel is Managing Director and Head of the Municipal Finance Group at RBC Capital Markets. In his role, Mr. Hamel oversees one of the largest municipal finance groups in the country, with operations based in New York and bankers in 28 cities across the U.S. Mr. Hamel is actively involved in the municipal finance community and currently serves as Chair of the Infrastructure Policy Committee of the Securities Industry and Financial Markets Association (SIFMA). He is also member and former Chairman of the SIFMA Municipal Executive Committee and, in 2013, was named to the SIFMA Municipal Division Honor Roll for his success in building a top municipal department and industry contributions over the years. Mr. Hamel received a bachelor’s degree from Occidental College in Los Angeles, California.

Michael Bartolotta is Managing Director in the Public Finance in the Municipal Securities Division of Citigroup Global Market managing the regions.� Mr. Bartolotta prior to joining Citi in August 2015 was Vice Chairman of First Southwest Company, LLC where he was responsible for the development and management of client relationships with a wide array of clients across Texas and the United States as well as the development of programmatic financing addressing specific industry financing needs.� Mr. Bartolotta supported public finance bankers and sales people throughout the firm; served as a liaison on legislation at both the state and federal levels; was responsible for operational management of the Houston public finance office; served as a member of firm’s public finance management committee; and mentored key individuals throughout the firm sharing product knowledge, business acumen and guiding personal development.Mr. Bartolotta brings 30 years of experience in the public finance industry with over $100 Billion of financings to Citi.� He has recognized public finance product expertise in the area of financings for airport systems, port authorities, surface transportation projects, stadiums and arenas, and public-private partnerships.Mr. Bartolotta received his Bachelor of Science in Actuarial Science from the University of Illinois at Urbana-Champaign.�

Hasan Mack, an associate in McCall, Parkhurst & Horton L.L.P.'s (McCall) Austin office, joined the firm in 2014. He received his Bachelor's degree in Finance, Magna Cum Laude, from The University of Houston and his law degree, Magna Cum Laude, from Thurgood Marshall School of Law. Prior to joining the McCall, Mr. Mack served as Director of Intergovernmental Relations and Deputy General Counsel in the Office of the Texas Lieutenant Governor where he also sat on the Texas Bond Review Board on behalf of the Lieutenant Governor. Mr. Mack predominantly serves as bond counsel to state agencies, school districts, cities and otherpolitical subdivisions in Texas.

Jeff Austin III is a member of the Texas Transportation Commission, which oversees statewide activities of the Texas Department of Transportation. He was appointed commissioner by Gov. Rick Perry on Oct. 20, 2011.Austin is vice chairman of Austin Bank and Texas NA. He is a board member of First State Bank in Athens, and of Capital Bank in Houston, and a past president of First State Bank in Frankston. He is a board member and past chair of the Texas Bankers Association, a member of the American Bankers Association Government Relations Committee and the Bank CEO Network, an executive committee member and past director of the Texas Lyceum, and a board member and a past president and scoutmaster of the East Texas Area Council of Boy Scouts.He was the presiding officer of the North East Texas Regional Mobility Authority, and board chair of the Tyler Area Chamber of Commerce. He is also a past board member of the Bob Bullock History Museum, the Tyler Economic Development Corporation, the Better Business Bureau of East Texas, the University of Texas Tyler Business School Advisory Board, the University of Texas Tyler Health Center Development Board, and the Trinity Mother Frances Hospital Foundation.Austin received a bachelor's degree and a master's degree in Business Administration from the University of Texas at Tyler, and is a graduate of the Southern Methodist University Southwestern Graduate and Intermediate Schools of Banking, and the Harvard Business School Advanced Management Program. Austin has two daughters and resides in Tyler.

Sonia M. Toledo joined Wells Fargo Securities in 2010 from Bank of America Merrill Lynch, where she headed the Northeast Region. Over her 26 year career, she has led a number of complex transactions to meet challenging financial and market conditions including: the MTA’s Dedicated Tax Fund cross issuance refunding of prior debt in 2012, the wave of step-coupon bond refundings adopted by New York State issuers beginning in 2002, The City of New York's restructuring of its auction rate portfolio in 2008, the Commonwealth of Massachusetts' Grant Anticipation Notes (the first stand-alone GARVEE sold in the industry which was used to finance a portion of the Big Dig), the creation of the New York City Transitional Finance Authority and its inaugural financing, and the issuance of Rate Reduction Bonds in Massachusetts and Connecticut.� At Wells Fargo, she acts as day-to-day banker for six major issuers in the State of New York and Connecticut.Ms. Toledo is a Board Member of the Municipal Bond Forum of New York and a Board Member of Grow NYC, which supports farmers throughout the Tri-State area by providing them with training and distribution outlets in New York City's Green Markets. �Ms. Toledo grew up in Puerto Rico and is a graduate of Harvard University and Columbia Business School. �She is a General Securities Registered Representative (Series 7) and is both Series 53 and Series 63 licensed. She resides in New York City.

Dr. James Terry serves as the Chief Financial Officer for Dallas Independent School District with approximately $2 billion in Revenue. He has been serving the state's second largest school district since 2011. Since his tenure the District’s fund balance has grown from $139 million to over $357 million. The District has received the Certificate of Excellence in Financial reporting from both GFOA and ASBO. The District has also received the Distinguished Budget Presentation award from GFOA and ASBO. The District has the highest ranking from TEA, Texas Education Agency, for FIRST the Financial Integrity Rating System of Texas. Under his leadership the District received the State Comptroller Platinum award for Financial Transparency. The District has received upgrades from all three rating agencies. In the last few years the District has had 2 refunding’s of $356 million (series 2014 A) and $235 million (Series 2015). The District has also issued $143 million in QSC Bonds (series 2013) and Maintenance Tax Notes $75 million (series 2015). The District has also just received bond authorization for $1.6 billion from the voters with a 60% approval rate. As the District’s ERCO (E-rate Compliance Officer) the FCC has released the District from its compliance agreement. Prior to Dallas ISD, Dr. Terry worked for ME Allison and Associates in San Antonio and has held both series 7 and 66 licenses. Dr. Terry served for more than 20 years in multiple business service roles in North East ISD (San Antonio) and is an expert in the field of public finance. Dr. Terry is a previous board member of the Texas Association of School Business Officials. Dr. Terry holds a Bachelor of Arts degree from Allegheny College, a Master of Arts degree from Sonoma State University, and a Ph.D. from Saybrook University in San Francisco and completed a post doctoral program in Finance and Accounting at the University of Florida. Dr. Terry continues to pursue education through certifications and endeavors including Certified Public Funds Investment Manager (CPFIM), Registered Texas School Business Administrator (RTSBA), Certified Public Accountant (CPA), Six Sigma (General Electric Management Training Program) Black Belt Certification, and Academically Qualified by the AACSB. Dr. Terry utilizes this pursuit of lifelong learning to contribute to the district as well as the community.

Cindy Demers recently joined the Texas Water Development Board as its Chief Financial Officer/Debt and Portfolio Manager.� Prior to joining the Board, she served as Controller for the Central Texas Regional Mobility Authority and Assistant City Manager for the City of Round Rock.�� In these roles she has been involved in several large project financings in both the utility and transportation sectors.� Ms. Demers has over 20 years of experience in organizational leadership, financial policy development and municipal bond financing.� She holds a Masters of Business Administration from St. Edward’s University, a Bachelor’s degree in Accounting from Concordia University and is a Certified Public Accountant.�

Ronald L. Welch, Ph.D. is proprietor of Municipal Information Services (MIS), which provides economic, demographic, geographic and data management services primarily within the Houston metropolitan statistical area (HMSA). He received his doctorate in economics from the University of Houston in 1981, specializing in state & local government finance, urban economics, and water & wastewater development. His published thesis is styled, The True Interest Costs of Municipal Utility District Securities. Since then Welch has been a financial advisor to MUDs for Juran & Moody, worked for various Houston real estate developers and, most recently was an economists and the economic data manager for UH’s Institute for Regional Forecasting.MIS has been compiling real estate, financial and development information on the MUDs located within the HMSA since the mid-1970s. This data combined with information from the Census Bureau, the BLS, the counties’ central appraisal districts and the MUDs’ consultants allows for comprehensive economic, demographic and geospatial analysis for: estimating water demand, determining fire and emergency services needs and infrastructure, and planning and budgeting for local governments. MIS’s client include regional water and river authorities, emergency services districts, bond rating agencies, developers and REALTORS�.�Welch is a licensed Texas Broker/REALTOR� and has been a board member of Harris-Ft. Bend Counties MUD #3 since 1984. He has been a member of the Association of Water Board Directors since the 1980s and has spoken about MUD bonds, economics and other issues during AWBD summer conferences.

John McCall serves as the Associate Vice President for Business Affairs for the Dell Medical School at The University of Texas at Austin. He has responsibility for finance, budgeting, human resources, sponsored project administration, technology support, facilities, and environmental health and safety.�Previously, John spent twenty years in the private sector in various financial management positions at Texas Instruments, as Vice President of Corporate Planning with Associates First Capital Corporation, and in segment controller positions with Dell, Inc. He left Dell in 2005 to become an independent business and financial consultant for start-up enterprises. In 2008, John returned to The University of Texas as Associate Vice President of Development, where he led all of the operational functions supporting the university’s fund-raising efforts.He is a graduate of The University of Texas at Austin McCombs School of Business (BBA ’88) and the Jindal School of Management at UT Dallas (MBA ’93).