Banco Popular de Puerto Rico

Jack Reed is a champion for middle-class families and a strong believer that, through hard work, all Americans should have the opportunity to build a better life. A former Army Ranger, Reed is a national leader on defense, housing, and economic issues. He has led efforts to promote responsible budgets, create jobs, and strengthen our economy.As one of just eight Senators in U.S. history to graduate from West Point, Time magazine noted: “Reed is a serious, intellectually honest veteran and an expert on defense issues in the Senate.” In 2008 the New York Times noted: “Mr. Reed has had a passion for housing issues throughout his career. Beginning in the early 1980s when, as a young lawyer, he did pro bono work for Amos House, a Providence soup kitchen and social service agency, and continuing after his election to the Rhode Island Assembly, the House and finally the Senate.”Recently, he authored laws to create a new affordable housing trust fund, improve consumer disclosures on mortgages, and address the needs of middle-class families who are struggling with the fallout from the housing crisis.

Kent Stone, Executive Vice President and Chief Strategist of Consumer Banking, oversees Strategic Support Services which encompasses: Corporate Marketing/Advertising, Community Affairs, Small Business Loan Centers, Small Business/Consumer Product Management, Market Analytics and Performance Solutions, Consumer Operational Support, Metro Private Banking/Trust, Consumer Branch Performance, SBA Lending and Elan Financial Services.Kent has held various senior management positions within U.S. Bancorp since 1980. Kent resides in Sacramento with his wife and three children.He is involved in a number of community groups in Sacramento including the Greater Sacramento Urban League, which he serves as a Board member and Treasurer and the ADA Father of the Year Council.EducationGraduated from the Graduate School of Retail Bank Management, Consumer Banker Association, in Charlottesville, VA.; holds an MBA from Carlson School of Management, University of Minnesota; and a BA from Gustavus Adolphus College in St. Peter, MN.

Stu Richards is Chief Executive of Bredin, Inc., a marketing consultancy that helps Fortune 500 firms develop profitable, long-term relationships with small businesses through:Original market research to provide insight into small business needs, attitudes and preferencesAcquisition, retention and sales support programs including online campaigns, direct mail, print materials, presentations, white papers, Web site content and interactive elements, and newslettersStu is responsible for setting strategy for the organization, as well as day-to-day management of company operations including client engagement oversight, marketing and business development, partnerships and alliances, product development, finance, operations and HR.Stu is responsible for the acquisition and satisfactory execution of research and marketing programs for clients including American Express OPEN, AT&T, Bank of America, Bangor Savings Bank, BBVA Compass Bank, BOK Financial, Capital One Bank, Cisco Systems, Citizens Bank, City National Bank, Comcast, Commerce Bank, Dell, Fidelity Investments, Google, HP, HSBC, Huntington Bank, IBM, Lexmark, M&I Bank, M&T Bank, PeoplesBank, Microsoft, Monster Worldwide, Qwest, Regions Bank, Sam�s Club, SAP, Sony, SunTrust Bank, TD Bank, Verizon, VMware and Wells Fargo.A 16-year veteran of small business marketing and communications, Stu joined Bredin in 1997 as vice president of marketing. He was named president in 1999 and CEO in 2001. Prior to joining Bredin, Stu served as director of marketing at DeLorme Mapping, product manager at Nabisco Brands, and marketing representative at IBM Corporation. Stu holds an MBA from the Amos Tuck School at Dartmouth College and a BA from Middlebury College.

William Phelan is one of the nation�s leading experts on small business credit trends and is president and co-founder of PayNet, Inc. As President, Mr. Phelan has grown PayNet into a firm with the largest collection of commercial loans and leases, encompassing more than 22 million contracts worth $1.2 trillion in loan value. Prior to co-founding PayNet, Mr. Phelan managed investments for Trustmark Insurance Company in Lake Forest, Ill. He previously worked at Dain Rauscher Securities, Ernst & Young and IBM. Mr. Phelan�s expertise is regularly quoted by national media outlets such as Reuters, Bloomberg Business News, CNBC, FOX Business News and Associated Press. He has a Bachelor of Arts degree from Carleton College, an MBA from Loyola University GSB and the Chartered Financial Analyst (CFA) designation.