Banco Popular de Puerto Rico

Jon Couture is Senior Executive Vice President and Head of Human Resources for HSBC North America Holdings Inc. Named Head of Human Resources in December 2007, Jon has overall responsibility for Human Resources in all businesses within the North American organization including HSBC Finance Corporation, HSBC Bank Canada, HSBC Bank USA and HSBC Bank of Bermuda. He also has shared responsibility for Human Resources within North America for Global Banking & Markets, Global Private Bank and Global Functions. Jon joined HSBC in this role after serving as Executive Vice President of Human Resources at National City Corporation where he was responsible for optimizing National City’s Human Resources function by implementing a business-focused HR strategy and driving improved employee engagement. Prior to joining National City, Jon held senior executive roles in Human Resources for the Siemens Corporation.He holds a bachelor’s degree in Management from Southern Illinois University, a master’s degree in Instructional and Human Performance Technology from Boise State University, and a Doctor of Education degree in Human Performance at Work from the University of Southern California.

Mr. Savage serves as the Co-Head of BB&T Capital Markets’ Equity Investment Banking Group as well as the Senior Managing Director of its Financial Institutions Group. He joined BB&T as a result of the Scott & Stringfellow acquisition 1998. He received his B.A. in Economics from the University of Virginia in 1980 and earned his Chartered Financial Analyst certification in 1994. His 23 years of experience has been primarily with public banks and thrifts and business development companies, providing them with M&A advice and structuring public equity transactions. Mr. Savage has been a senior banker in over 40 M&A transactions and well over 75 public equity or equity linked transactions.

Bill Mayer is a partner at Goodwin Procter's Business Law Department and a member of its Financial Services Group. Mr. Mayer serves as corporate and regulatory general counsel for a number of publicly held financial institutions and financial institution holding companies, as well as a number of community banking organizations. In that role, he advises banking organizations and their boards of directors on a range of corporate, regulatory, governance and transactional matters.Mr. Mayer handles a wide variety of transactions for the firm’s banking and financial services clients including mergers, acquisitions, public and private offerings of debt and equity securities, stock conversions, bank and holding company formations, and other reorganizations of financial institutions and holding companies. He also regularly advises foreign and U.S. clients on bank regulatory matters involving state and federal law, the Federal Reserve Board, the Federal Deposit Insurance Corporation, the Comptroller of the Currency, the Office of Thrift Supervision and other state and federal regulatory agencies. Mr. Mayer has also served as legal advisor to Bulgaria’s Central Bank on issues relating to banking sector restructuring and legal reform as well as to Jordan’s Central Bank on electronic commerce legislation. He has also participated in a series of meetings sponsored by the International Monetary Fund and regional regulatory authorities in the Middle East and the Caribbean to advise central bank regulators on the legal and regulatory framework for supervising complex financial organizations.Mr. Mayer is a member of the banking law committees of the Boston and American Bar Associations, and frequently lectures on banking and financial service topics to other legal and banking groups.

Derrick Cephas is a New York-based partner in Weil's Corporate Department and the head of the firm's Financial Institutions Regulatory practice group. Mr. Cephas maintains a broad-based practice representing commercial banks, thrift institutions, bank holding companies, and foreign banking corporations in a wide range of regulatory and transactional matters, including traditional lending, strategic planning, general regulatory and compliance issues, acquisitions and dispositions, formation of de novo banks, product development, defense of bank regulatory enforcement actions, risk management and internal controls issues, issuance of debt and equity securities, obtaining regulatory authority to exercise expanded powers, officer and director fiduciary duty issues, and the negotiation of and compliance with supervisory orders.Prior to joining Weil, Mr. Cephas served as President and Chief Executive Officer of New York-based Amalgamated Bank. Before this executive role, he was a banking and corporate law partner in the New York office of Cadwalader, Wickersham & Taft. Prior to Cadwalader, Mr. Cephas served as the Superintendent of Banks for the State of New York (1991-94). While Superintendent of Banks, he was nationally recognized for his leadership in several areas of bank regulatory reform, including the creation and implementation of a more rational and hospitable regulatory and supervisory environment for foreign banks to do business in the United States, the revision of regulations governing the conversion of mutual thrift institutions to stock form, and the enactment of interstate branch-banking legislation.Mr. Cephas has significant experience in public policy matters relating to the banking industry. He is a former member of the Board of Directors of the Dime Savings Bank of New York and Merrill Lynch International Bank and is currently a director of D.E. Shaw & Co. Inc. and the Fresh Air Fund. He has testified numerous times before the New York State Legislature, the U.S. Congress, financial institutions, regulatory bodies and other similar bodies.Mr. Cephas graduated from Harvard College in 1975 and from Harvard Law School in 1979.