Banco Popular de Puerto Rico

John has spent the last 20+ years as an investment manager, investment strategist and economic strategist for various financial institutions. He is currently the Chief Investment Officer for Huntington Bank in Columbus Ohio, joining the organization in May 2014.Prior to joining Huntington, John was with Fifth Third Bank in Cincinnati for 16 years holding various roles, including being a senior portfolio manager, mutual funds manager, equity team leader, investment strategist, market strategist and economic strategist.In addition, John was with Star Banc in Ohio; Heritage Trust and Asset Management in Colorado; and, IDS Financial Services in Colorado. He is a former president and Board member for the Dayton Society of Financial Analysts; and, was a long-time adjunct professor in the graduate school at the University of Dayton. John holds the professional designation of Chartered Financial Analyst; holds a bachelor�s degree from the Ohio State University; and, is a graduate of the Midwest Bankers Association Trust School. He has appeared frequently in the national media � including Fox News, CNBC and Bloomberg.

Anna Colton is the Small Business Banker National Sales Executive at Bank of America and is responsible for executing the Small Business Banker sales model to achieve targeted performance and growth of the segment. Anna is responsible for building and leading this sales team of approximately 1,000 small business bankers as they continue to deliver local small business expertise. Colton also serves as the executive champion for the Preferred and Small Business Banking Employee Engagement and Diversity and Inclusion Council and is a member of the bank�s Global Diversity and Inclusion Council and the Associate Advisory Council.Most recently, Anna served as the Market Executive for Bank of America�s Northern New England Commercial Market where she was responsible for managing a team of client managers focused on delivering financial services and expertise to middle market companies in Massachusetts, Maine, New Hampshire and Vermont. She also served on the Global Commercial Banking Diversity and Inclusion Council, was a member of the Global Commercial Bank Incentive Task Force and was co-chair of the New England Sales Initiative. Prior to this role, Anna was the Sales Performance Executive for the Northeast Region.�Anna has 30 years of industry experience. She joined Bank of America as part of the merger with Fleet Bank as a Market Executive for the Healthcare & Institutions Market in Northern New England.� During her career at Fleet and predecessor banks, she was responsible for helping to build the Healthcare & Institutions portfolio and business in New England.�Anna graduated from the College of the Holy Cross in Worcester, MA where she earned a Bachelors of Arts in Economics. She also holds FINRA Series 7, 24 and 63 licenses.Anna is the Chair of the Chapel Hill Chauncy Hall School board of directors. She was also a past board member of the United Way of Mass Bay and Merrimack Valley, the Massachusetts chapter of The Nature Conservancy and the Make-A-Wish Foundation, and a past Chair of the Childcare Capital Investment Fund.She and her husband Peter have three children and reside in Winchester, MA.

In addition to his role as Board Chairman for BorrowersFirst, Neil Wolfson is President of SF Capital Group, where he oversees all debt and equity investing, asset allocation, investment management and operations for a large multi-generational family office. Prior to joining SF Capital Group, Neil spent five years as Chief Investment Officer and President of Wilmington Trust Investment Management, a $40 billion investment management firm, responsible for all of the firm�s investment management. He was also President and CEO of the Wilmington Funds, a $10 billion mutual fund family. Prior to Wilmington Trust, Neil served for eight years as a Partner at KPMG LLP and National Partner in Charge of KPMG�s Investment Consulting Practice. Neil also spent over a decade at Kidder, Peabody & Co. where he ran the managed money area, co-founded the Analytical Investment Strategies Group, was a senior portfolio manager for Kidder Peabody Asset Management, was senior portfolio manager for the Kidder Peabody Asset Allocation Fund and ran the firm�s PRIME Asset Consulting Group. Prior to Kidder, he developed a multi-factor security selection system currently employed by a number of investment management firms. He started his career developing financial futures and options contracts for a commodity exchange.Neil serves on the Board of Directors for OnDeck, Nextivity and FastPay. He is on the advisory committees for Victory Park Capital Management, Eaglewood Capital Management and Calypso North American Energy.Neil holds an MBA in Finance and a BS in Management from New York University where he graduated magna cum laude and received NYU�s Dean�s Honor Key. He was a University Honors Scholar, having graduated in the top five percent of his class. He holds FINRA series 7, 63 and 65 licenses. A member of the New York Society of Security Analysts, he became a Chartered Financial Analyst in 1993.Neil frequently provides market commentary to the media. His quotes have appeared in the Wall Street Journal, New York Times, Business Week, Forbes, Washington Post, Chicago Sun Times and USA Today. He has appeared more than a hundred times on CNBC, Bloomberg Television, CNN and FoxNews. In 2007, Institutional Investor selected Neil as one of the 20 Rising Stars of Wealth Management.

Jos� Pe�a is the senior vice president and head of retail for Fifth�Third Bank (Tampa Bay), where he is responsible for overseeing�the retail line of business including over 100 banking centers�throughout Tampa Bay, Central and North Florida.With over 29 years of banking experience, Jos� has held several�sequential leadership positions, including financial center�manager, regional manager, senior regional manager, and most�recently as senior vice president, market manager for Fifth Third�Bank in Chicago. Additionally, Jos� served as manager of Hispanic�initiatives for Fifth Third Bank�s community development�department in Chicago.Jos� attended the University of Illinois at Chicago, the Graduate�School of Banking at Furman University and the National School of�Real Estate Finance at Southern Methodist University. In addition,�Jos� holds his Series 7, Series 63 and Series 24 licenses.Jos� also serves on the corporate advisory board for the United�States Hispanic Chamber of Commerce and the regional board for�Junior Achievement of Central Florida. He currently resides inTampa, Florida with his wife and two daughters.

Dan Puterbaugh is a board member of the Electronic Signature and Records Association (ESRA), the premier global trade association focused on the advancement of electronic signatures and records.� He is a director and associate general counsel for Silicon Valley-based Adobe Systems, a global leader in digital marketing and media solutions.Puterbaugh is the head counsel for Adobe Acrobat and Reader, and the Acrobat.com suite of cloud services including the electronic signature service EchoSign. He joined Adobe Systems in 2008 where he was senior counsel and the legal lead for all business development efforts for Adobe�s Creative Suite, Flash, Acrobat, and Creative Cloud business lines.Prior to joining Adobe Systems, Puterbaugh spent seven years as assistant general counsel at Intuit Inc., a leading provider of business and financial management solutions for small and mid-sized businesses, financial institutions, consumers and accounting professionals. While there, he was the lead attorney supporting all product development company-wide including the establishment and ongoing support of the company�s product development operations in Bangalore.Puterbaugh is a member of the California Bar Association. He received his Juris Doctor from Santa Clara University. He currently resides in Los Gatos, CA.

A. Charles Thomas serves as the Chief Data Officer for Wells Fargo. Thomas oversees the company�s data strategy, provides enterprise data governance, and determines ways to leverage data for improved risk management and customer experiences. Thomas most recently was the chief data and analytics officer for the United Services Automobile Association (USAA) in San Antonio. Previously he worked for Harte-Hanks Direct Marketing, Hewlett-Packard, and Reliant Energy, all in the data management, analytics, and decision science area. He is based in San Francisco.

Carlo�Tabibi is Patch of Land�s CEO, executing the company vision of bridging the gap between traditional real estate financing and the new world of crowdfunding. For 20 years�Carlo�has been operating, developing, and investing in real estate.�Carlo�has founded or invested in multiple online retail businesses including Tabcom.com and�perks.com�where he is currently Chairman.Carlo holds a Bachelor�s degree in Real Estate & Finance from USC and studied at Loyola Law School.

Since April 2002, Mr. Canon has been the President of Ranger Capital Group, a Dallas-based investment management company.� Prior thereto, Mr. Canon had served as its Chief Operating Officer since January 2001.� From February 1999 to January 2001, Mr. Canon was Chief Financial Officer of Green Mountain Energy Company.� From March 1992 to February 1999, Mr. Canon served in a variety of roles with the broker-dealer affiliate of Security Capital Group, a global real estate research, investment and operating management company.� He was a member of the affiliate�s Board of Directors and head of the Capital Placement Group.� From October 1991 to March 1992, Mr. Canon worked for Chase Manhattan Bank and from August 1987 to October 1991 he worked for Goldman, Sachs & Co.� Mr. Canon earned a B.A. degree (Phi Beta Kappa) with high honors in Plan II and an M.B.A. degree from the University of Texas at Austin.�In addition, Mr. Canon is a member of WPO/YPO Organization, and served as a member of the Board of Directors for Green Mountain Energy Company before it was purchased by NRG Energy.�

Mousumi is VP, Data Analysis Manager. In this capacity, she manages a highly analytic team and is responsible for the performance and eligibility targeting� of various treatments, particularly on the payment solutions for high risk and past due accounts. This includes on-going performance analysis and optimization, oversight of execution activities, performance forecasting and broad communication of strategy performance. In her previous role, she was a Manager in the Chase Strategy Group where she analyzed customer data in furthering Chase�s strategic goal of preventing fraud, enhancing control and improving customer experience. Prior to that, she was in Capital One where she did customer segmentation, marketing campaign performance and multi channel performance analytics. She developed an effective digital and cheaper channel usage strategy for mass-market segments using� multi-channel usage data. She also worked in Deloitte Consulting and served Wal-Mart in the SAP implementation project.

Mr. Guerrero is Varadero�s majority-owner, Managing Partner and Chief Investment Officer. Previously, Mr. Guerrero was Chief Executive Officer and CIO of Varadero�s indirect affiliate, NIBC Credit Management, Inc. (CMI), where he was responsible for all aspects of CMI�s North American activities including its Investment Management business. Mr. Guerrero has more than 25 years of experience in the structured credit markets and has worked on a number of first-of-their-kind transactions in the ABS and CDO markets, including several �Deals of the Year�. Before joining CMI, Mr. Guerrero was head of the Global Structured Products Group at Merrill Lynch Investment Managers (MLIM). The team was responsible for augmenting MLIM�s presence in the global CDO market by leveraging the team�s structured product expertise with the extensive capabilities of MLIM�s investment and research teams. Mr. Guerrero and his team focused on distributing, structuring and managing CDO risk. Before joining MLIM, he was head of the global CDO effort at ABN AMRO where he was responsible for establishing the CDO business. Prior to ABN AMRO, Mr. Guerrero was head of the Structured Products group at TD Securities where he founded the firm�s CDO business. Prior to TD Securities, Mr. Guerrero helped establish Donaldson, Lufkin, Jenrette�s CDO business as part of its high yield capital markets effort. Before Donaldson, Lufkin, Jenrette, he was a managing director at BT Securities where he was in charge of the global structured finance business and emerging markets debt capital markets effort. Mr. Guerrero has a BS degree and an MS degree in Finance from Louisiana State University and is a graduate of the Program for Management Development at The Harvard Business School.