Banco Popular de Puerto Rico

Barbara Baker is the executive vice president of Cultural Enhancement (human resources) for Umpqua Holdings Corporation (NASDAQ: UMPQ). She oversees all culture, training and human resource functions for the financial services company and its subsidiaries, Umpqua Bank and Umpqua Investments.Prior to joining Umpqua, Baker served as an Oregon site executive for IBM�s server division (formerly Sequent Computer Systems Inc.), where she managed all human resources services and programs as well as corporate communications and community relations. She also served as vice president of human resources for the Northwest region of First Interstate Bank (now Wells Fargo), where she managed a five-state employee relations team serving more than 8,000 employees. While with First Interstate Bank, Baker was instrumental in assisting with the bank�s two successful internal reorganizations and its 1996 acquisition by Wells Fargo.In the past eleven years, Baker�s leadership has extended Umpqua�s renowned culture in a rapidly growing environment (during her tenure, Umpqua has grown from 350 to over 2,400 associates). Her team of 30 has infused Umpqua�s culture throughout all avenues of the bank, from training associates on culture to creating a positive and motivating work environment. Through their efforts, Umpqua�s culture has become consistent and self-propelling, and is now recognized regionally and nationally.Regionally, the bank has appeared on Oregon Business Magazine�s �100 Best Companies to Work For� list 14 times since 1995, including the number one rank in 2004. Nationally, FORTUNE magazine rated Umpqua among its �100 Best Companies to Work For� in 2013 for the seventh year in a row. The last four years Umpqua was also recognized as one of only 40 companies in the nation to make �Companies That Care� honor roll and Training Magazine acknowledged Umpqua as having one of the �125 Best Training Departments in the US� 3 times. �Baker was recognized among the nation�s top six human resource executives in HR Executives� �2008 HR Honor Roll.� She also received the Orchid Award, given by the Portland Business Journal for Achievement for Women in Business in 2010. In 2011, Umpqua Bank�s Human Resources Department was recognized by Portland Business Journal as the Top Company for their HR Leadership Awards. Finally, in October 2011 she was awarded Outstanding Alumnus for demonstrating exceptional personal achievement by George Fox University.In addition to her professional achievements, Baker serves on the board, executive committee and chairs the human resources committee for Portland Center Stage. She previously served on several other community boards, including the Portland Metropolitan Chamber of Commerce, the Portland Rose Society (where she served as president from 1995-96), Fruit and Flower Day Care, and Tri-County Affirmative Action.Baker earned a Bachelor of Arts in business management and organizational leadership from George Fox University. She also received a certificate of graduation from the human resources graduate program at the University of Colorado in association with the American Bankers Association.

Paul oversees strategic branch and operations planning and new branch business modeling and prototyping at EHS Design. Paul has completed more than 1,700 branches, hundreds of strategic retail branching projects, 30 million square feet of operation planning and design, and numerous physical brand-image development projects for banks and credit unions across North America. His comprehensive understanding of what works and what doesn�t in both the retail and operations aspects of financial institution facilities makes him a sought after consultant and speaker. He is a visible leader in the industry through the writing of six books,�webinar presentations and articles in publications such as ABA Bank Marketing, ABA Journal, Credit Union Management, and others. He has writen six books and writes a monthly colomn on facilities issues. Paul is a Certified Management Consultant and graduate of the Cornish�Institute of Arts.

Hal Hopson is the Managing Director of the Analytic Services Practice at Pitney Bowes Software. The Analytics Services Practice develops data driven, actionable solutions in customer centric�sales planning, marketing, and channel planning.�Hopson has over 15 years of experience advising�leading firms around�the�globe (with Pitney Bowes Software and previously MarkeTech Systems). A former banker, Hopson worked in strategy and distribution planning for Hibernia National Bank and also served at First Commerce Corporation.He�holds a BS in Electrical Engineering from Louisiana State University as well as an MBA from Tulane University�s A.B. Freeman School of Business.

Chuck has over thirty years experience in the financial services industry and has been with U.S. Bank (f.k.a. Firstar, f.k.a. Star Bank) since 1987. He has line responsibility for the U.S. Bank�s seven hundred �and fifty plus in-store locations and eighty plus on-site locations. He has managed the In-Store and On-Site line of business since 1995.U.S. Bank�s in-stores and on-sites are located in twenty-two states with fifty-three different retail grocery partners and sixty-five on-site partners. In-Store and On-Site branches continue to be an important piece of U.S. Bank�s delivery strategy and one of the highest growth businesses in U.S. Bank.Chuck is a frequent speaker at In-store Banking conferences across the United States, having spoken on topics ranging from �Branch Profitability� to �Alternative Delivery� to �Employee Motivation�.Chuck lives in Sevierville, Tennessee.� He has been married to Paula for 35 years. They have four grown, married children and 6 grandchildren.Minneapolis-based U.S. Bancorp (NYSE: USB), with $361 billion in assets as of�September 30, 2013, is the parent company of U.S. Bank, the 5th largest commercial bank in the United States. Celebrating its 150th anniversary this year, the company operates 3,088 banking offices in 25 states and 4,937 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions.�Visit U.S. Bancorp on the web at www.usbank.com.

Joe Henkel was named President and Chief Executive Officer at Kleberg First National Bank in Kingsville, Texas in 1998.� He began his banking career at Kleberg Bank in 1970 while a student at Texas A&I University.� After graduation, he continued with Kleberg Bank, becoming a Vice President, before moving to the Houston area in 1978 where he served as President & CEO for banks in the Allied and First City bank holding companies.� In 1993, he became CEO of an independent bank in El Paso, Texas and served in that capacity until 1998.Mr. Henkel is a 1971 graduate of Texas A&I, now Texas A&M University in Kingsville, Texas and of the Southern Methodist University Graduate School of Banking in Dallas, Texas.� He and his wife �George� have three children.�Activities Mr. Henkel is actively involved in several civic activities, serving as a director on several boards including the Kingsville Area Industrial Development Foundation (president), Kingsville Area Economic Development Council (past president) and the Kingsville Council of the Navy League.� In 2010, he was named Chairman of the Texas A&M-Kingsville Foundation and serves as a director for several other foundations: Texas A&M Health Science Center Foundation, Coastal Bend Community Foundation, CHRISTUS Spohn Health System Foundation, H.M. King High School Foundation and an advisory director for the South Texas Charity Quail Hunt.� He is the Chairman of the Dean�s Advisory Council for the College of Business at A&M Kingsville, Vice Chairman of the Dean�s National Council for the Texas A&M Health Science Center College of Pharmacy and is on the Community Advisory Council for the Celanese Bishop Facility.�AwardsDistinguished Alumnus - Texas A&M-Kingsville, 2004Rotary International - Vocational Service Award�Professional Activities:Kleberg First National Bank � Board of DirectorsKleberg & Company Bankers, Inc. � Board of DirectorsIndependent Bankers Association of Texas and IBAT Services - Board of Directors (past)

Michael Matza is Senior Strategic Consulting Director at Maritz Research. In this role, he consults with clients to develop more effective studies, provide actionable insights and, ultimately, produce a blueprint for linking their Voice of the Customer (and Employee)� insights with operational metrics and business results.Prior to joining Maritz Research, Matza served as a Senior Vice President, Division Executive for JP Morgan Chase (formerly Washington Mutual) for the Service Excellence Division where he was responsible for the implementation, measurement, training, and continuous improvement of the enterprise-wide �Voice of the Customer� program.He was also responsible for the Banks� Office of Thrift Supervision (OTS) and State Regulators compliance and examinations through leadership of internal Call Center which served as single point of consumer contact � phones, correspondence, email�for enterprise-wide complaint management, reporting and problem resolution. Michael also supported the development across the Bank of a culture in which individuals and teams consistently set their success criteria based on assuring the customer�s highest levels of satisfaction & loyalty within acceptable cost levels.Prior to that, he consulted and worked in financial services, healthcare, eBusiness and direct marketing industries both domestically and internationally where his assignments primarily focused on strategy, business plan development and implementation, as well as back office operations and new product and business expansion.Matza has worked with most major financial institutions, transaction processing companies, SONY Corporation and BlueCross/Blue Shield, in addition to Fortune 500 and start-up companies.

Jeff Cohen is the Senior Vice President, Head of US Consumer Compliance with TD Bank.� In this role, Jeff is responsible for leading the compliance activities for the Money In (Deposits/Channels), Money Out (Mortgage/Consumer/Small Business/Auto Lending/Servicing/Collections) businesses and the Fair & Responsible Banking activities of TD Bank in the United States.� In addition to his financial services experience, Jeff also has experience in real estate and environmental law, manufacturing and supply chain management.� Prior to joining TD, Jeff was the Corporate Compliance Director at Fulton Financial Corporation.� Prior to Fulton, Jeff spent eight years in various compliance and operational risk roles at Bank of America.Jeff holds a Bachelor�s degree in Political Science from Union College (NY) and a JD from American University in Washington D.C.

Preston Thompson is an Executive Director in the Financial Services Office of Ernst & Young LLP. Preston leads our capital management team which focuses on Basel II/III implementation and qualification and those firms that are subject to the Federal Reserve�s Capital Plan rule and associated stress testing regime (i.e., CCAR and DFAST). His areas of expertise include many aspects of banking with special emphasis on capital regulation, risk management and controls, and supervision of systemically important institutions. He advises EY global financial services clients on issues related to capital, risk management, and governance, as well as evolving supervisory policy trends and their implications on bank�s business models. Preston joined EY in 2011 after more than 18 years within the Federal Reserve System. One of Preston�s principle responsibilities was acting as the Federal Reserve System�s Basel II Coordinator. In that capacity Preston was responsible for overseeing virtually all aspects of Basel II implementation and qualification in the US. Preston led a number of multi-disciplinary teams that included subject matter experts across a wide range of specific risk dimensions. Preston and his teams worked closely to develop strategies that further articulated the qualification expectations and to assess individual institutions� progress towards meeting the various requirements. Preston was also responsible for coordinating interactions between the Federal Reserve and other US regulators.At the Fed Preston was involved in the Basel process for nearly a decade. His early work involved helping to craft language of the various rule iterations and related supervisory guidance, as well as helping to direct the design, collection, and analysis of data received in the QIS and Loss Data Collection Exercises. In addition to his Basel responsibilities Preston was involved in the ongoing efforts to develop a robust macro-prudential and firm specific supervisory process for the largest, most complex, and systemically important banking organizations operating in the U.S. In that role Preston served on a number of System-wide committees and workgroups that focused on identifying key risks and vulnerabilities across a number of dimensions. Since joining EY Preston has been involved in a number of engagements that include Basel II and III assistance, CCAR and capital planning efforts and preparations for various elements of the Dodd-Frank Act.Preston holds an undergraduate degree from the University of Alabama at Birmingham and an MBA from the Edinburgh Business School at Heriot-Watt University in Edinburgh, Scotland.

With 10 years of experience in the financial services industry, Ty Lambert has served in a variety of roles including portfolio management, asset-liability management, model development, and systems integration. He currently oversees modeling activities for BancorpSouth's interest rate risk management, liquidity risk management, corporate budgeting, and Company-level stress testing. He has an MBA and is a former Series 7 license holder.