Banco Popular de Puerto Rico

Mr. Cowan has 29 years of experience in the banking and securities industry including 25 years with Bank of America Merrill Lynch and its predecessor entities. In his role as a senior public finance banker, he provides bond underwriting services to local, regional and state governmental entities throughout the Midwest and leads the firm’s public finance investment banking efforts in Missouri, Iowa, Kansas and Oklahoma. He has completed numerous financings aggregating several billion dollars for many prominent local and statewide issuers to finance general governmental capital improvements, highway and light-rail transportation improvements, water and sewer infrastructure, K-12 schools, public higher education and economic development projects. His professional experience also includes many financings for not-for-profit organizations, private primary and secondary education and affordable housing. Mr. Cowan received his bachelor's degree from the University of Missouri-Columbia in 1986 and serves on the Boards of the Missouri Chamber of Commerce and Industry and the St. Louis Regional Chamber.

Rep. Gwen Moore (D-Wis.) serves on the House Committee on Financial Services.

Scott Nagelson joined the US Bank Municipal Products Group in July 2011.. Prior to joining US Bank, he was a senior banker at Jefferies & Co., Banc of America Securities, Merrill Lynch and Artemis Capital Group. He brings 28 years of municipal finance experience including 25 years of work in California.� Since 2001, Scott has served as an underwriter, remarketing agent, broker/dealer or swap counterparty on more than $50 billion of debt for California issuers.� This experience includes service as lead manager on more than $12 billion of transactions for a variety of issuers in California and the West including states, cities, counties and special districts.�A substantial component of Scott’s practice has involved City and local government issuers in California and has structured fixed rate, variable rate demand, auction rate and synthetic fixed rate debt for these clients.� For many issuing clients, he has assisted in the development of new senior or subordinate lien indentures, crafting additional bonds tests, rate covenants and other indenture provisions.� One of his primary areas of focus is ratings and credit where he has developed credit presentations for rating agencies, credit enhancement providers and investors.Scott has served issuers including the State of California, City & County of San Francisco, Port of San Francisco, San Francisco PUC, City of San Jose, San Francisco Redevelopment Agency, Santa Clara County, City of Petaluma, City of Sacramento, Sacramento County, City of Stockton, San Francisco International Airport, San Joaquin County, and Sonoma County, among others.Scott Nagelson is a graduate of MiamiUniversity with a BS in Finance.� He maintains FINRA Series 7, 53 and 63 licenses.

Justin Cooper is a partner at Orrick, Herrington & Sutcliffe LLP and co-chair of its public finance practice.

Julia Kim is a Vice President in Public Finance at Wells Fargo Securities. She has been an investment banker for over twelve years and has worked on over $100 billion of financings for various types of credits from general obligation bonds, revenue bonds, certificates of participation and lease revenue bonds, enterprise and utility revenue bonds and tax and revenue anticipation notes. Throughout her career, Ms. Kim has managed and structured complex financings for issuers throughout the western region of the United States. She has also provided guidance on credit presentations and transaction execution. Prior to joining Wells Fargo Securities, Ms. Kim was an investment banker at Banc of America Securities for five years.Ms. Kim received her Bachelor of Arts in Economics and a minor in Business Administration from the University of California, Berkeley and has passed the General Securities Representative and Uniform Securities Agent State Law (Series 7 and 63) securities qualification exams. She is an active member of the Women in Public Finance – Los Angeles Chapter and is currently serving as the Scholarship Chair.

David McPherson is a Principal at HDL Companies which represents over 400 cities and counties in California. Prior to joining the firm he served 28 years in local government for the cities of Newport Beach, San Jose and Oakland. While working for the City of Oakland, he became the first Tax Administrator in the Country to successfully tax medical marijuana. David is one of the state’s most recognized experts in cannabis horticulture, processing and dispensary operations. He uses his industry experience to assist local and state agencies in developing medical marijuana policies for regulation, compliance, auditing and economic development. David worked closely with the League of Cities and lobbyists on the development of AB 243, SB 243 and AB 266 which established the Medical Marijuana Regulation and Safety Act.David received his Bachelor’s Degree in History from California State University, Fullerton and his Master’s Degree in Public Administration from California State University, Long Beach.� While at Long Beach, he was named “Future Urban Administrator of the Year”.��

Paul Fennell was an independent investment banker specializing in capital market and fixed-income solutions.

Michael O'Brochta, PMP, is President of Zozer Inc. and a past senior project manager in the CIA, where he lead the maturing of the project management practices agency-wide. Mr. O'Brochta's papers and presentations at PMI national, international, and regional conferences have consistently been popular and well received.