Banco Popular de Puerto Rico

Mr. Imamura leads Financial Services Advisory & Banking (“FSAB”) at PNC. FSAB provides advisory and banking services to U.S. financial services companies through an integrated platform combining industry-specialist corporate finance bankers and the Asset-Backed Securities Group at PNC. FSAB advises clients on complex strategic decisions and transactions in the financial services industry.Mr. Imamura has extensive experience providing corporate finance advisory services for global financial services companies. Mr. Imamura joined PNC in 2004 and has been head of the Asset-Backed Securities Group since 2007. In 2009, Mr. Imamura led the formation of Financial Services Advisory & Banking to integrate PNC’s strategic insights and technical expertise across financial services in light of extensive regulatory reforms and restructuring of capital markets affecting the financial services industry. In addition to his role at PNC, Mr. Imamura serves as a Board Member of the American Securitization Forum (“ASF”) and leader of an ASF task force involved in regulatory reform for the securitization industry.Mr. Imamura holds a B.S. in Business Administration from the University of North Carolina at Chapel Hill along with FINRA Series 7, Series 63 and Series 24 licenses.

Harris H. Simmons is the chairman, president and chief executive officer of Zions Bancorporation. A native of Salt Lake City, Simmons first worked for Zions in 1970 and has served in a variety of positions with Zions First National Bank and Zions Bancorporation in his more than 30 years with the organization. His positions have included serving as chief financial officer for Zions Bancorporation for five years, and president for four years prior to assuming his duties as both president and CEO in 1990. He is a former chairman of the American Bankers Association.

Hartnack is vice chairman and head of Consumer and Small Business Banking at U.S. Bancorp. He is responsible for Metropolitan Banking, Community Banking, 24-Hour Banking and Financial Sales, Home Mortgage, Consumer Lending and Finance, In-Store and Corporate On-Site Banking, Small Business Banking, Workplace and Student Banking, retail bank operations and corporate marketing and quality. He is also a member of the company's Managing Committee.Hartnack joined U.S. Bancorp in April 2005 from Union Bank of California, where he had served as vice chairman, director and head of the community banking group since 1991. Prior to that, he ran community banking as executive vice president at First Chicago and was in charge of corporate banking at First Interstate Bank of Oregon, where he began his banking career in 1971.Hartnack served in the U.S. Marine Corps from 1967 to 1971, attained the rank of Captain, and flew 220 combat missions aboard the F-4B Phantom II in Southeast Asia. He received 14 Air Medals and the Navy Commendation Medal with Combat ‘V’.Education. A native of Los Angeles, Hartnack earned a bachelor’s degree in economics from UCLA and a master’s degree in business administration from Stanford University. He also is a graduate of the Strategic Marketing Management program at the Harvard Business School.Active in industry and community affairs, he is a past director of the Federal Reserve Bank of San Francisco, past director of MasterCard, Inc., past chairman of the California Banker’s Association, past vice chairman of the California Chamber of Commerce, past chairman of the Bank Administration Institute, past chairman of the Los Angeles Urban League, and past director of the Consumer Bankers’ Association. He is currently a director of Operation Hope, the Marine Corps Scholarship Foundation and Augsburg College. Additionally, he is a member of the California Club and the Minneapolis Club.

Jack Murphy is Managing Director of Business Banking & Auto Finance. He is a responsible for the strategy, product and service offerings, pricing, portfolio management, sales and channels for Business Banking. He also manages Commercial Equipment and Vehicle Finance, Dealer Lending and Auto Leasing for the bank.� Prior to that, he was the EVP in Global Banking and Markets and EVP of Small Business Banking and Business Banking. He has deep experience in strategy, product and service offerings, pricing, portfolio management, sales, distribution models and alternative channels. Jack has more than 25 years of experience in financial services, with over 15 years of expertise dedicated to the Business Banking segment.He joined Sovereign in 2009 from TD Bank. At TD Bank he held several positions including Head of Business Banking Sales and Distribution Strategy, Head of Commercial Marketing and Head of Commercial Products.Prior to TD Bank, Jack worked at JPMorgan Chase Bank as the Group Manager for Small Business credit products. He also held several positions at American Express including Director of Business Finance and Director of Alliance Marketing.�Jack also was cofounder and partner of a small business for two years.�