Banco Popular de Puerto Rico

As CEO, Kevin T. Kabat is responsible for overseeing the strategic direction of Fifth Third Bancorp, a diversified financial services company headquartered in Cincinnati, Ohio. The Company has $121 billion in assets, nearly 21,000 employees and operates 18 affiliates in 12 states. Its four main businesses are Commercial Banking, Branch Banking, Consumer Lending and Investment Advisors. Kabat added vice chairman to his title in September 2012. Kabat assumed the role of chief executive officer on April 17, 2007. He was appointed president in June 2006. Kabat previously served as executive vice president of Fifth Third since December 2003, and led both retail and affiliate banking since August 2004. Prior to this role, he served as president and CEO of Fifth Third Bank (Western Michigan). He was the vice chairman and president of Old Kent Bank, which was acquired by Fifth Third Bancorp in 2001. He joined Old Kent in 1982. Kabat received his bachelor�s degree in Behavioral Science from Johns Hopkins University and a master�s degree in Industrial/Organizational Psychology from Purdue University. Kabat is a board member of Unum, the Financial Services Roundtable and the Cincinnati Art Museum. He is a member of the Ohio Business Roundtable, Cincinnati Business Committee and the Executive Committee of the ArtsWave Board of Trustees. He is a member of the Commonwealth Club, the Commercial Club, Cincinnati Country Club and the Queen City Club. Kabat previously served on the Board of Directors for Davenport University, Lacks Industries, Clark Retirement Community, Grand Rapids Foundation, ADAC Plastics, Right Place Inc., Spectrum Hospital, Consumer Bankers Association, Michigan Business Roundtable and United Way of Greater Cincinnati. He served as the 2009 Chairman for BRIDGES� Annual Fundraising Dinner.

Gregory Casamento is a member of Locke Lord LLP's Board of Directors, co-chair of the Firm�s Business Technology Group and chair of the Firm�s Advertising, Marketing & Social Media Section. As an experienced litigator and trial lawyer, his experience includes litigating Lanham Act disputes, trademark and trade dress infringement claims, unfair competition and false advertising actions, copyright, contract, trade secrets, non-compete and restrictive covenants disputes, and technology issues. In the technology side of his practice, Greg advises clients on a review of their ebusiness and e-process systems to ensure those systems create admissible and enforceable electronic signatures, contracts and records in accordance with ESIGN and the Uniform Electronic Transactions Act (UETA). Greg also assists clients with their e-discovery, e-vaulting, e-contracting, electronic agreements, information management, data security breach, risk management, IP protection and related issues. Prior to joining the firm, Greg served as a Judge Advocate in the U.S. Navy, where he was awarded the Navy Achievement Medal for his defense of service members in courts-martial and the Navy Commendation Medal for his prosecution of service members in courts-martial.

Linda leads Promontory�s global consumer protection practice. She has three decades of consulting experience and expertise in all aspects of consumer-oriented regulation, compliance, and risk management.Linda advises bank and nonbank financial services firms on the strategic dimensions of consumer regulatory compliance. Her focus is on helping firms create sustainable and compliant business models and cultures of strong risk management and operational excellence. She is a trusted adviser to banks� management teams, boards, and business-unit leaders on the design and implementation of compliance programs that meet evolving regulatory expectations. She also works with nonbank firms that offer consumer financial products and services, in many cases helping these firms prepare for new and unfamiliar regulation. Linda has extensive experience directing regulatory risk and readiness assessments, with an emphasis on consumer protection risks through the life cycle of financial products and services. She has led internal regulatory investigations, consent-order look-back reviews, and remediation efforts for firms ranging from community banks to global financial services companies.Before joining Promontory, Linda worked for 25 years at KPMG, where she managed the firm�s financial services regulatory practice and oversaw compliance and consumer protection services. Early in her career, she was a professional accounting fellow at the Federal Home Loan Bank Board in Washington, D.C. Linda has been honored by Consulting Magazine as a top-25 consultant and is a nationally recognized speaker on all aspects of consumer financial protection.Linda earned a B.S. in Accounting at the University of Alabama.

Suzette is a multifaceted sales operations leader who brings over 20 years of experience leveraging technology to solve business problems and streamline business processes. Suzette has worked at ADP for the past 15 years and is currently the Director, ES Worldwide Sales Operations. ADP is a $10 billion multinational business, one of the world�s leading providers of business outsourcing solutions.In her current position, Suzette is responsible for leading the enterprise-wide Configure Price Quote (CPQ) and electronic signature strategy and solutions for 6,500 sales and sales leadership associates. Her role includes driving standardization, mobility, effectiveness and process efficiency in support of ADP�s strategic objectives. Suzette has spoken at many conferences and regional events on sales automation and sales effectiveness solutions, including Salesforce.com, Miller Heiman, Sales 2.0, and Society of Information Management. She has also been a classroom volunteer for Junior Achievement of Georgia the past 11 years striving to incorporate her life experiences to educate and inspire elementary and middle school students to prepare for successful entry into the business world.

Glenn McCoy is Chief Financial Officer (CFO) of First Citizens BancShares, Inc. and its First Citizens Bank subsidiary. Headquartered in Raleigh, N.C., First Citizens provides financial services at more than 400 offices in 17 states and the District of Columbia. McCoy was named the company�s CFO on April 1, 2013. He is responsible for all corporate finance functions, including regulatory reporting, financial and management accounting, acquisition accounting, treasury, corporate tax, budgeting and strategic planning. He also oversees corporate real estate and procurement / vendor management.McCoy joined First Citizens Bank in December 2012 as executive vice president of finance. He has 31 years of experience in banking. From 2009 to 2012, he served as CFO of the former RBC Bank (USA), the retail banking subsidiary of the Royal Bank of Canada, in Raleigh. Before joining RBC, McCoy held management positions at the former Wachovia Corporation. During the latter part of his 28-year tenure at Wachovia, McCoy served as CFO of various divisions, including corporate/capital markets, wealth management and mortgage and retail credit. He has extensive experience in domestic and international banking, treasury services, risk management and insurance and capital markets. During 2012, he also served as CFO at Carolina Condrey Group, an agency representing Northwestern Mutual Life Insurance Company.McCoy holds a bachelor�s degree in political science from Westminster College and a master�s degree in business administration from the University of Chicago. He also completed Wachovia�s senior management program at Duke University�s Fuqua School of Business. Before starting his career in banking, McCoy spent six years in the U.S. Army.

In 2007, Rob Heiser co-founded Segmint Inc, a fast-growing marketing technology company based in Akron, Ohio. He currently serves as Segmint�s president and CEO. Heiser is also co-founder, president and CEO of WiredViews Inc., a boutique digital marketing agency. Previously, Heiser was chief technology officer of SupplierInsight (acquired by Procuri), where he led the application and product development of the first commercially available Supplier Relationship Management (SRM) application. Heiser was also manager of internet applications and one of the founding employees of Xtrasource, Inc. (acquired by Sento in 2003). Heiser�s experience as an accomplished entrepreneur and his cross-industry expertise regarding all facets of data analytics, delivery channels and marketing technologies have provided him superior success in developing, launching and growing seven technology-driven businesses. His deep industry knowledge and experience also allow him to serve as an authoritative source regarding current and emerging trends impacting the constantly evolving digital marketplace. Heiser holds a Bachelor�s of Business Administration degree in Management and Information from Kent State University, Kent, Ohio.

Leigh Anne Kelley is Senior Vice President of Database and Direct Marketing at Regions Financial, the only Fortune 500 Company headquartered in the state of Alabama. She is responsible for Marketing data infrastructure management and data warehouse initiatives with the goal of turning raw customer data into business intelligence for use throughout the Corporation. Additionally she manages direct marketing efforts which support the many Marketing campaigns focused on the Company�s key strategic initiatives. Prior to Regions Financial, Mrs. Kelley worked at South Trust Bank/Wachovia for eight years. During that time, she held positions as Senior Vice President of Marketing Customer Information Management, Group Vice President of Data Warehouse and Marketing Research, and Vice President of Marketing Research and Direct Marketing. Mrs. Kelley also worked at BellSouth (Birmingham, AL) for 14 years. During that time she was promoted to positions of increased responsibility: Assistant Manager (Marketing Planning and Analysis), Product Manager (Lines of Business), Senior Manager (Marketing Research) and Director (Consumer Marketing Research). Mrs. Kelley received her bachelor�s degree (Summa Cum Laude) in Marketing from The University of Alabama and earned a MBA (Summa Cum Laude) from Samford University.

Adrienne Haden is an Assistant Director in the Division of Banking Supervision and Regulation at the Federal Reserve Board, with responsibility for Operational and Information Technology Policy.� Ms. Haden coordinates the development and implementation of financial institution supervisory policy related to operational, information technology, information security, business resiliency, payment systems, outsourcing, internal controls, and asset management risks.� Ms. Haden represents the Federal Reserve Board on the Financial and Banking Information Infrastructure Committee (FBIIC), chaired by the U.S. Treasury and manages staff assigned to the Operational Risk Subgroup of the Basel Committee�s Standards Implementation Group.� Before joining the Board�s Division of Banking Supervision and Regulation, Ms. Haden managed the information technology function in the Board�s Division of Reserve Bank Operations and Payment Systems.� In this capacity, she was responsible for staff overseeing the Federal Reserve System�s information technology infrastructure and operations.� Prior to joining the Board in 1990, Ms. Haden served in various professional capacities during her seven-year tenure with Electronic Data Systems Corporation (EDS), including System Engineer and Technical Manager, both in the United States and in northern Europe.� Ms. Haden began her career as a consultant to the U.S. Navy, developing software applications to support econometric modeling.� Ms. Haden holds a Master of Administrative Science degree with a concentration in Information Technology Management from the JohnsHopkinsUniversity and a Bachelor of Arts degree with a major in Economics from the University of Virginia.� � � � � � � �� ��

Deborah Van Valkenburgh is senior vice president and director of Brand Management and the Marketing Centers of Excellence for The PNC Financial Services Group. She oversees all company-wide brand-related strategies and marketing communications efforts. In addition, she is also responsible for managing the agency-of-record relationship, other agency partners and internal resources to ensure optimal creative planning and execution, campaign integration and implementation through the appropriate outlets, channels and mediums. This includes all advertising and design support, e-Marketing, direct marketing, corporate sponsorship activation, branch environments and merchandising.Van Valkenburgh joined PNC through its acquisition of National City Corporation in December 2008. She has over 30 years of experience in the financial services industry in all phases of brand management, marketing, product development, advertising and communications. She joined National City in January 2002 as the manager of Brand Management and was named co-director of Marketing in 2008. From 1991 to 1996, she served as managing director of Marketing for FedEx Latin America. She began her career as a copywriter for Sears, Chicago, and before moving to the client side, handling account management responsibilities for Carmichael-Lynch, Minneapolis.Van Valkenburgh currently serves on the board of directors for The Ad Council. She previously served as a board member for the NationalAquarium in Baltimore, MD, and the YMCA of Cleveland.She has a bachelor of arts degree in Journalism from the School of Journalism and Mass Communications at the University of Minnesota.