Banco Popular de Puerto Rico

Thomas F. O�Toole is Senior Vice President, Marketing and Loyalty�and President, MileagePlus for United, the world�s leading airline.�In this role, O�Toole is responsible for all marketing, ancillaryrevenue, digital commerce, loyalty, CRM, product management�and distribution.Before his current position, O�Toole was Senior Vice President�and President of Mileage Plus Holdings, LLC for United. Before�that role, he was Senior Vice President and Chief Operating�Officer of Mileage Plus Holdings, LLC. He joined United in early�2010 as Senior Vice President and Chief Marketing Officer.�Before United, O�Toole was Chief Marketing Officer and Chief�Information Officer for Global Hyatt Corporation.

Mat Rathbun is the VP & Strategy Manager for the Small Business Segment of Chicago-based BMO Harris Bank, owned by BMO Financial Group (NYSE: BMO), a global diversified financial services firm with $586 billion in assets and 47,000 employees.� He has 15 years of experience in financial services.� Mr. Rathbun joined BMO in 2007 by way of its capital markets/investment banking division, and in 2013 moved to a role in which he is responsible for the development and execution of strategies designed to drive the U.S. Small Business segment�s financial performance and market share.� In this capacity, he works closely with Analytics, Marketing, Product Management, Public Relations, Customer Experience and Sales Effectiveness.� Mr. Rathbun holds an MBA from the University of Saint Francis and a B.A. in Finance from North Central College. He also holds the FINRA Series 7 and 63 securities licenses.� He additionally completed the BAI Graduate School of Banking at Vanderbilt University and currently serves on the Consumer Bankers Association�s Small Business Committee.��

Joined Upstart after spending 6 years at Google. Launched and built the Google Apps for Education business, growing market share from zero to almost 70% in its first four years.� Spearheaded marketing efforts for Google Apps in Global 2000 accounts and led sales, business development, and go-to-market strategy for the launch of Chrome devices in the education and enterprise sectors. Spent several years in direct sales at IBM, always exceeding quota and was a founding engineer and lead UI developer at SSB Technologies. BS in Computer Systems Engineering from Stanford University.

Mark Krolick leads the Marketing and Product Development division within United Airlines.� This includes leading all consumer marketing activities such as advertising and brand management, direct marketing and social media efforts as well as product research and development for the airline.� In this role, Mark has built a strong marketing program and analytical foundation including consumer-focused and analytics-driven marketing expertise and a leading brand campaign for United.Prior to United, Mark spent eight years at Delta Air Lines, where he worked in Marketing Communications, Direct Marketing & CRM, Route Planning and Revenue Management.� He has also worked as a Database Marketing Consultant for the Affinity Group Services division of Marsh & McLennan.

Stephen Greer is an analyst in Celent's banking group. His research focuses on retail banking trends, with an emphasis on digital channel technology. Prior to Celent, Stephen wrote and consulted on internet and communication technology market dynamics in the Middle East and Africa for Springboard Research. In Stephen's time at Springboard, he wrote key reports and led projects for major global corporations, influencing strategy across the MEA region. Prior to that, he worked at a small investment firm supporting client relations and data analysis.