Banco Popular de Puerto Rico

Michael F. Howard is the Managing Director for the Central Region of Export-Import Bank of the United States.� Since 1988, Mr. Howard has been engaged in the promoting exports of US goods and services through a variety of programs including Export Credit Insurance, Loans and Guarantees and Working Capital Guarantees.� Mr. Howard manages the Central States of the country, providing counseling to exporters on public and private sector risk mitigation products, assisting exporters and bankers with proper preparation of their loan applications, credit insurance applications and introducing exporters to banks willing to accept the Export-Import Bank�s credit insurance policy assignments and Working Capital Guarantees as collateral for loans.� Prior to his leadership of this region, he served four years with the Southeast Regional office of the Bank as a Business Development Officer and as an underwriter, Mr. Howard also served for� four years in the State of Florida Department of Commerce as the states� Export Finance Officer.� With the State of Florida he participated in the authorization of the Florida Export Finance Corporation.� Mr. Howard has also worked for Federal Reserve Bank of Atlanta.Mr. Howard received a BS in Industrial Management from the Georgia Institute of Technology.

Mr. Chrisbaum serves as Director of International Trade Finance for the U.S. Small Business Administration (SBA).� In that capacity, he oversees SBA�s export loan programs and the SBA staff who deliver those programs at U.S. Export Assistance Centers (USEAC) throughout the country.� USEACs combine the international marketing resources of the U.S. Commercial Service and the trade finance expertise of the SBA at 19 U.S. locations. Over the past three years, Mr. Chrisbaum also has worked closely with the inter-agency Trade Promotion Coordinating Committee�s Small Business Working Group in drafting recommendations to expand small business exports under the President�s National Export Initiative.�Prior to assuming this new position in 2011, Mr. Chrisbaum served as SBA�s representative at the U.S. Export Assistance Center located in Denver, Colorado.� In that role, he oversaw the SBA�s International Trade Finance Program in the five-state, Inter-Mountain West region, which included Arizona, Colorado, New Mexico, Utah, and Wyoming.� Before moving to Denver, Mr. Chrisbaum worked in Washington, D.C. for both the U.S. Small Business Administration, where he developed and oversaw SBA�s national export promotion program, and the U.S. Department of Commerce where he worked in various positions with the Office of High Technology Export Promotion, the Office of the Under Secretary for International Trade, and the President�s Export Council.Mr. Chrisbaum has an MBA degree in Finance, Investments and Banking and a Bachelor of Arts degree in Communication Arts from the University of Wisconsin, as well as Masters of Arts degrees from Columbia University and Atlantic University. He lives in Alexandria, Virginia, with his wife, Nancy, who is a documentary film maker.

As CEO and President of Acxiom, Scott drives a strong, results-oriented culture for Acxiom�s approximately 6,200 associates as the company deepens and expands its offerings of global marketing and technology products.Scott is a marketing and advertising veteran with extensive experience in digital media and technology. As the lines between traditional and digital marketing disappear, Scott insists on a singular focus on helping Acxiom�s clients understand the complexities of this new marketing era.A native of Milwaukee, Scott is a former Corporate Vice President of Microsoft Advertising Business Group. In this role, he managed a multibillion dollar business encompassing all emerging businesses related to online advertising, including search, display, ad networks, in-game, mobile, digital cable and a variety of enterprise software applications.Previously, Scott was a corporate officer at aQuantive, where he managed three lines of business, including Avenue A|Razorfish (one of the world�s largest digital agencies), DRIVE Performance Media (now Microsoft Media Network) and Atlas International (one of the top two applications for enterprise software for advertising). Earlier in his career, he was with the Boston Consulting Group and also Kidder, Peabody & Company, Inc.Scott is a magna cum laude graduate of Princeton University, with a degree in economics, and he earned an MBA from Harvard University. He serves on the board of the Center for Medical Weight Loss and is a former director of the Internet Advertising Bureau (IAB) and Turn, Inc., a digital advertising company.

Diane Hessan is the President and CEO of Communispace, a consumer collaboration agency �with a blue-chip client list that would make a Madison Avenue giant jealous," according to Advertising Age. A pioneer in creating online communities to help businesses engage with their consumers, Diane helped found Communispace in 1999 � when no one knew what social media was � and she hasn�t looked back. Communispace delivers unparalleled consumer engagement and business impact, with more than 700 communities launched to date. In 2012, Communispace was rated the fastest-growing company in its industry, and it has received many awards for product innovation, marketing leadership and corporate culture.Diane has spent her career helping companies become customer-focused � as a business executive and as co-author of the book �Customer-Centered Growth: Five Proven Strategies for Building Competitive Advantage.� The book, a Business Week best-seller, has been published in 11 languages. Diane has received many honors, including the Pinnacle Award from the Greater Boston Chamber of Commerce, the Most Admired CEO award from the Boston Business Journal, Ernst & Young�s Entrepreneur of the Year (National Finalist), and was #3 on The Boston Globe's Top Women in Technology List.Diane is a graduate of Tufts University and Harvard Business School, and is the mother of two grown daughters.

Pilar Urrego is responsible for HSBC's network of 17 branches throughout Florida as well as the bank's Latin America International Center in Miami. As part of her role she also oversees investment and insurance business through HSBC's affiliate broker dealer, HSBC Securities (USA) Inc.Urrego has more than 18 years of banking industry experience. Prior to joining HSBC she was at Merrill Lynch in South Florida where she held various roles including most recently as Senior Vice President. Prior to that, she was Regional Vice President and Regional Manager with Charles Schwab.Pilar has a Master�s of Business Administration from the University of Miami with a focus on International Business, and is fluent in Spanish as well as English.

Stasia Lake is Senior Vice President and Sales Team Leader for Square�1�Bank's Global Treasury Management group.� In this role, she is responsible for all sales activity for domestic and international products for prospective and existing clients.� With over 15 years of commercial banking experience, Stasia has held several sales and leadership positions during her career.� Prior to joining Square�1�Bank in 2006, she held various roles at Bank of America, Imperial Bank and Comerica Bank.� Stasia received a bachelor's degree from the University of Texas at Austin.�A Texas native, Stasia resides in Fort Worth with her husband and daughter.Square�1�Bank is a full service commercial bank dedicated exclusively to serving the financial needs of the venture capital community and entrepreneurs in all stages of growth and expansion. Square�1's expertise, focus and strong capital base provide flexible resources and unmatched support to meet our clients� needs. The bank offers tailored products and solutions aided by the latest in technological innovations. Square�1�has offices coast to coast in Austin, Boston, Denver, Durham, Los Angeles, New York, San Diego, Seattle, Silicon Valley and Washington, DC. For more information, visit�www.square1bank.com.

For most of us, winning an Emmy Award is the stuff of dreams.� For Tom Snyder, his golden statue is one of many accolades he received over his 30 year career in advertising and broadcasting.� During that time he worked for some of Florida�s largest ad agencies, producing ads for some of their most prestigious accounts.� In 1995, Tom started his own audio production studio, Tom Snyder Advertising.� Today, he also owns, RapidTransmit Broadcasting, which distributes broadcast advertising content to TV and radio stations, and Shed Music, a bluegrass record label.� In addition to his business pursuits, Tom earned his pilot�s license and enjoys flying in his spare time.

Andy is a partner in the family business, The Secret Chocolatier based in Charlotte, NC.� He is considered the family firm�s Swiss Army Knife because he fits in wherever he�s needed, but his strength is in the marketing and business management arenas. In addition to running the un-glamorous parts of the family business, such as repair, tech support, and the company finances, he advises a number of small businesses in the Carolinas who need his technology, photography and design skills. Andy also participates in local nonprofits, sitting on the board of Slow Food Charlotte, working for good, clean, and fair food choices; and the Charlotte Photography Group sharing professional level photography skills through education and outreach.

Mr.�Bruce�W. Van Saun is the head of RBS Americas and chairman and chief�executive officer of RBS Citizens Financial Group, Inc. with more than 30�years of financial services experience. He regularly ranks among the top CFO's in banking � both while in the US�and UK.He previously served as the Group Finance Director of The Royal Bank of�Scotland Group plc �and played a key role - (working closely with former RBS�CEO Stephen Hester) - to restructure the bank following the U.K. government's bail out � the biggest banking bail out in the world � in 2008�and 2009.At Bank of New York Co., Mr. Van Saun headed a complex asset swap with JP�Morgan Chase and was instrumental in the game-changing $16.5 million merger�with Mellon Financial Corp.Mr. Van Saun served as CFO of the new bank, Bank of New York Mellon Corp.,�which was the world�s largest securities servicing and asset management�firm. He played an essential role in Bank of New York Co. Inc. strategic�development, strengthening its financial position and transforming its�business mix through more than 80 acquisitions and two major divestitures.Prior to that, he held senior positions with Deutsche Bank, Wasserstein�Perella Group and Kidder Peabody & Co. From late 2008 through joining RBS he�worked as an advisor to US private equity firms.