Banco Popular de Puerto Rico

Kiran Jain is the Chief Strategy Officer for Neighborly, bringing greater transparency and access�to the $3.7 trillion municipal securities market. A�former senior deputy city attorney for the City of Oakland, Kiran focused her law practice on real estate, economic development, municipal governance, and the intersection of civic innovation and policy design. She served on the board of the League of California Cities’ Municipal Law Institute.�Kiran is a former associate at Bingham McCutchen LLP where she practiced finance, real estate, land use, environmental, and corporate law representing Fortune 500 companies, commercial lenders, real estate developers and public agencies.��Kiran is an advisor to Kiva.org, serving as the crowdlending platform’s founding attorney. She also helped launch LawPivot, a crowdsourced platform for those seeking legal advice acquired by RocketLawyer

Eddie McRoberts, a Managing Director and Principal at Omnicap, is focused on providing financial advisory, investment advisory and post-issuance tax compliance services.� Omnicap is registered with the United States Securities and Exchange Commission (SEC) as an investment advisor and is a registered municipal advisor with both the SEC and the Municipal Securities Rulemaking Board.� Over the past 19 years, Mr. McRoberts has provided financial services to a wide range of clients including states, state agencies, cities, counties, non-profits, and education districts.�Mr. McRoberts is a graduate of Arizona State University, where he received a Bachelor of Science in Marketing. He is a registered investment advisor representative, holds a NASD Series 65 license.

Douglas Kilcommons is a Senior Vice President within Wells Fargo’s Education & Nonprofit Banking Team.� Prior to joining Wells Fargo in August 2014, Doug headed Moody’s Local Government Surveillance Team, overseeing a staff of approximately 30 analysts across the United States responsible for the surveillance of approximately 10,000 tax-supported, local government credits. The majority of Doug’s career was spent at Fitch Ratings, where he served as Managing Director of the Education/Nonprofit and Tax-Exempt Housing Sectors. While at Fitch, Doug refined analytic policies and practices, authored rating criteria, and oversaw efforts to develop and implement surveillance systems. He has also held positions at Radian Asset Assurance, Neuberger Berman, and Barclays.� Doug began his career as a municipal analyst at Standard & Poor’s, focusing on enterprise credits, including higher education, healthcare, and transportation.Doug earned a B.S. in Financial Management from State University of New York at Binghamton, and an M.B.A. in Investment Management from Pace University.� He is an active member of the National Federation of Municipal Analysts and the Municipal Analysts Group of New York.

Ms. Kurtz Baxter has fifteen years of investment banking and financial advisory experience in the public finance industry serving 501(c)3 borrowers.� Ms. Kurtz Baxter leads Fairmount’s education and non-profit advisory practice as well as the firm’s compliance efforts.She focuses on plan of finance development, transaction advisory management and provides credit analysis, covenant calculations, debt restructuring, refinancing analysis, rating agency and credit enhancement strategies and presentations for higher education, health care, and other non-profit clients. Ms. Kurtz Baxter has a BS in business administration from The College of New Jersey and an MBA in finance and management of information systems from Drexel University. Ms. Kurtz Baxter has been a licensed Municipal Securities Principal (Series 53) as well as Series 7 and 66 licensee and has successfully completed the Uniform Certified Public Accountant (CPA) examination program.

Greg Dawley is a Managing Director in the Los Angeles office of RBC Capital Markets.Mr. Dawley has served over 23 years in the municipal finance and governmental industries.� He focuses on a wide range of issuers throughout the Western Region, including those in the general government, utilities, public power, transportation, higher education and K-14 sectors.Before his career in public finance, Mr. Dawley served as Assistant Chief of Staff to Los Angeles Mayor Richard Riordan.� Previous firms include Morgan Stanley, Merrill Lynch, Banc One Capital Markets and J.P. Morgan Securities.He is active in his community, serving on the Advisory Board of the Taubman Center at Harvard University’s JFK School of Government.Mr. Dawley graduated with an M.P.P. from the University of Southern California and a B.A. in Political Science from the University of Michigan

Leonard I. Nakamura is vice president and economist, and head of the Regional and Applied Microeconomics Section of the Research Department of the Federal Reserve Bank of Philadelphia. The Regional Section is responsible for producing the Philly Fed’s Business Outlook Survey andState Coincident Indexes. �He has written numerous scholarly articles on real estate economics, banking, economic measurement, and investment in intangible assets.��Previously, Nakamura was an economist at Citibank and a senior economic consultant for The Conference Board. He also taught at Rutgers University. Nakamura received a B.A. in social sciences from Swarthmore College and an M.A. and a Ph.D. in economics from Princeton University.

Miriam Wrobel is an independent consultant focused on renewable energy and energy efficiency finance. She works with utilities, investors, lenders, energy project developers, and major energy users to identify, structure, and execute clean energy projects.A former Director in Citigroup’s Municipal Securities Division, Ms. Wrobel has extensive experience advising municipal utilities and municipalities, including states, cities, nonprofit hospital systems, and educational institutions, on the financing of renewable energy and energy conservation projects.�Ms. Wrobel holds a bachelor’s degree from Stanford University and an MBA from the Wharton School at the University of Pennsylvania.

Jonathan Trutt leads WCX’s efforts to tackle the West Coast’s water infrastructure needs through Performance-Based Infrastructure (PBI).� His work at WCX focuses on providing PBI-related training and technical assistance to jurisdictions and water utilities, with an emphasis on fostering full analyses of risk-transfer and life-cycle costs.� Prior to joining WCX, Jonathan spent 13 years in the affordable housing industry.� From 2003 to 2014, Jonathan worked at the affordable housing developer and homeless services provider Northwest Housing Alternatives (NHA), first as its Housing Developer and later as its Housing Director. At NHA, Jonathan led the construction and acquisition/rehabilitation of over 1,000 affordable apartments in Oregon through 19 separate public-private partnerships.� He also directed NHA’s asset management efforts, which centered on the fiscal and physical sustainability of the organization’s real estate portfolio of 1,800 apartments.� Jonathan was named one of twelve national Rising Stars Under 40 by Affordable Housing Finance Magazine in 2009. He has a BA from Wesleyan University and a joint JD - MPA from New York University and Princeton University.

Tesia N. Stanley is an associate at Ballard Spahr. She is a former staff member of the Municipal Securities Rulemaking Board. Before that, she was a research specialist for the SEC. Ms. Stanley works on a broad spectrum of tax-exempt financings for state and local governments across the country. She advises clients on federal securities law materiality standards, regulatory compliance, and enforcement actions. Her practice includes serving as bond and underwriter's counsel on taxable and tax-exempt financings for higher education institutions and student loan issuers. Ms. Stanley also works on complex commercial litigation, including securities litigation and intellectual property litigation.