Banco Popular de Puerto Rico

Ed graduated from Georgetown University in 1976 and is a Certified Public Accountant.Ed is the Founder, President and Chief Executive Officer of Wintrust Financial Corporation, where he has been since 1991. Wintrust is a financial services holding company based in Lake Forest, Illinois, with assets of over $14 billion. The Company engages in providing traditional community banking services, wealth management services, commercial insurance premium financing, mortgage origination, short-term accounts receivable financing and certain administrative services. The Company provides community-oriented, personal and commercial banking services to customers located in the greater Chicago, Illinois and southern Wisconsin metropolitan areas through its 15 wholly owned banking subsidiaries.Banking has been the primary focus of Ed’s career, beginning at the accounting firm Ernst & Young, LLP, where he specialized in the banking field focusing mainly in the area of bank mergers and acquisitions for seven years. After leaving Ernst & Young, Ed was Senior Vice President and Chief Financial Officer of Corus Bankshares, Inc. (formerly River Forest Bancorp), a $4 billion banking holding company in Chicago, Illinois from 1985 to 1991. While there, he was also President of the firm’s largest subsidiary, Lincoln National Bank, in Chicago.Ed is a member of the board of directors of Stepan Company (NYSE) in Northfield, IL. He also serves as a director of Northwestern Lake Forest Hospital, on the audit committee of Northwestern Memorial Health Care, as a trustee for Children’s Memorial Hospital and Foundation, as a member of the advisory board of the Farmer School of Business of Miami University, and on the Finance Board and the School Board of the Archdiocese of Chicago. He is a member of The Economic Club of Chicago, The Commercial Club of Chicago and the Bankers Club, where he is also a director.Ed and his wife, Dorothy, live in Lake Forest, Illinois. They have six children.

Mitchell Eitel is a member of the Firm’s Financial Institutions and Mergers and Acquisitions Groups. His practice focuses on financial services mergers and acquisitions, securities transactions, private equity investments and bank regulatory matters. Mr. Eitel’s recent work has included representations of: ABN AMRO in the sale of its Americas private banking business AmSouth Bancorp in its merger with Regions Financial and in the sale of its credit card and mutual fund businesses Bank of Montreal, as parent to Harris N.A., in the FDIC-facilitated acquisition of Amcore Bank by Harris The Bank of New York in the swap of its retail banking business and JPMorgan Chase’s corporate trust business and in the merger with Mellon Barclays in the acquisition of Lehman’s brokerage business Barclays in the sale of its Americas private banking business Barclays in the sale of HomEq Servicing to Ocwen Financial Group The Board of Directors of The Bear Stearns Companies in its sale to JPMorgan Chase Chapdelaine in the sale of a controlling interest in Chapdelaine to an affiliate of Primus Financial China Investment Company in its investment in Morgan Stanley Citigroup in connection with the sale of $12.5 billion in preferred shares to a group of sovereign and other investors Citigroup in its sale of $7.5 billion in Equity Units to Abu Dhabi Investment Authority D.E. Shaw in the sale of a stake to Lehman Brothers Fifth Third Bancorp in the partial sale of Fifth Third Processing Solutions to Advent International First Niagara Financial Group in its combination with NewAlliance BancShares First Southern Bancorp in its supercapitalization J.C. Flowers & Co. in the proposed acquisition of Sallie Mae, in the acquisition of Fox-Pitt, Kelton and in the subsequent sale of Fox-Pitt Kelton Cochran Caronia Waller to the Macquarie Group J.C. Flowers & Co. in its investment in IndyMac Bank JPMorgan Chase in its acquisition of Washington Mutual Bank; the related $11 billion public financing; and the subsequent bankruptcy proceedings for WaMu’s holding company JPMorgan Chase in connection with the U.S. government’s TARP investment KeyCorp in its acquisition of American Express Business Finance and Austin Capital Management and the sale of McDonald Investments KeyCorp in connection with the U.S. government’s TARP investments Matlin Patterson Global Advisors in the control acquisition of Flagstar Bancorp Merrill Lynch in connection with the investment of $6.6 billion by Kuwait Investment Authority (Kuwait), Mizuho Financial Group Inc. (Japan) and Korean Investment Corp. (Korea), among others, and, separately, in its sale of $6.2 billion in Common Stock to Temasek Capital and Davis Selected Advisers Merrill Lynch & Co. in its transaction with BlackRock Inc. and in its acquisition of First Republic Bank and its investment in Nuveen Merrill Lynch & Co. in its sale of $6.2 billion in Common Stock to Temasek Capital and Davis Selected Advisers Regions Financial in the sale of its mutual fund business SunTrust in its acquisition of Seix Investment Advisors and in the restructuring and sale of Lighthouse Partners U.S. Bancorp in its acquisitions of Downey Savings and Pomona Savings U.S. Bancorp in its FDIC-facilitated acquisition of FBOP Corporation and the subsequent sale of its branches in Texas to Prosperity Bank in an FDIC-facilitated transaction Wachovia Corporation in its acquisition of GE Money’s Auto Warranty business, in the sales of its corporate trust and HomeEq operations and in its merger with Wells Fargo Warburg Pincus in its acquisition of a 15% interest in Webster Financial Corporation and a 20.5% interest in Sterling Financial Mr. Eitel is a frequent speaker and panelist, particularly in the areas of financial services M&A and private equity transactions. He is co-chair of an annual Practising Law Institute conference on Financial Services. He is also a fellow of the American Bar Association as well as general counsel and trustee of the Archeological Institute of America.

Gerald H. Lipkin (Gerry, as he prefers to be called), was born in Passaic, New Jersey. He received his B.A. in Economics from Rutgers – The State University in 1963 followed by his M.B.A. in Banking & Finance at New York University in 1966. In 1972 he received a diploma from the Stonier Graduate School of Banking.Lipkin was employed by the U.S. Comptroller of the Currency in 1963 and was appointed Deputy Regional Administrator in 1970. In 1975 he joined Valley National Bank as a Senior Vice President. He was elected a Director in 1986, promoted to Executive Vice President in 1987 and elected Chairman and Chief Executive Officer in 1989. The title of President was added in 1996.Beyond his business accomplishments, Lipkin is actively involved with Rutgers – The State University as a Member of the Board of Overseers, Member of the Foundation Board, past Chairman and member of the Business School Board of Advisors and a Member of the Dean’s Advisory Council. He was the Recipient of the Distinguished Alumni Award – 2001, Newark College of Arts and Sciences; Chapter Honoree Beta Gamma Sigma – 2005; Recipient of the University’s Distinguished Alumni Award in 2006. Lipkin has also served as a guest lecturer in various classes on numerous occasions and delivered the graduation address to the Business School in 2009. Lipkin also serves as Chairman & Member of the Executive Committee of New Jersey Bankers Association. He has served as Chairman of the Nominating Committee for the Federal Reserve Bank of New York and was a Board Trustee at the Beth Israel Hospital in Passaic for 27 years where he served over 10 years as the Chairman of the Finance Committee.Lipkin received the Man of the Year Award from Crohn’s & Colitis Foundation of America, the Community Service Award for Big Brothers Big Sisters of Morris, Bergen & Passaic Counties, and was the Recipient of the Legacy Award from William Paterson University. Lipkin has raised funds for basic cancer research at the Lautenberg Center for Tumor Immunology in Jerusalem for over 20 years and was honored for his contributions with the prestigious “Torch of Learning Award.” In 2009, he received the American Jewish Committee National Human Relations Award.He has also received the Corporate Achievement Award from B’nai Brith International, he was the Honoree for the New York City Israel Bond Campaign, the Community Service Award from NJ Citizens Action, the Emily Bissell Honor Award from the American Lung Association, the Bergen-Passaic 2001 Chairman of the American Heart Association, the Corporate Recognition Award from the Metro Chapter of the American Red Cross, the Corporate Award from the Sunrise House Foundation, the Community Achievement Award from the Urban League of Bergen County. Lipkin also received the Corporate Excellence Award from The University of Medicine & Dentistry of New Jersey.Lipkin currently resides in Montville, NJ with Linda, his wife of 47 years. He is an active collector of Pre-WW1 European and American antique toy trains and enjoys spending time with his wife Linda and children, Pam and her husband Rob, Jeffery and his wife Jayme, and five grandchildren.

Will Schwartz is one of the founding members of DBRS’s U.S. Financial Institutions team. Having joined in 2004, he has lead analyst responsibilities for a diverse portfolio of large, regional and community banks in the United States. Will also participates as a voting member of DBRS’s rating committee, in reviewing, assigning and changing ratings and rating trends for U.S. banks and other financial institutions.Prior to joining DBRS, Will managed the counterparty credit analysis desk at Bank of Tokyo- Mitsubishi’s New York branch. A veteran of the banking industry since 1983, Will has worked in a variety of commercial banking positions at Commercial Bank of New York, First Union and Bank One.A native of the Midwest, Will holds a BS from The Ohio State University and an MBA in Finance and International Business from New York University’s Stern School of Business.