Banco Popular de Puerto Rico

Andrew Stumm is responsible for new-client origination for Garnet Capital Advisors.� A 20-year veteran of the mortgage credit business, Andrew has held sales and management positions with several of the industry�s leading firms, including Conseco Finance, Delta Funding and Countrywide Home Loans.� During his tenure with Garnet, Mr. Stumm has originated mandates of, managed, and closed several billion dollars of performing, sub and non-performing residential and commercial mortgage loans. Andrew holds a Master of Science in Management from the Georgia Institute of Technology and a Bachelor of Arts from Georgia Southern University.

Lee Gillispie is a senior account executive for enterprise content management at Fiserv.

Chris Wittrig is a Vice President for Land Home Financial Services with responsibilities that transcend Mortgage Servicing operations and Information Technologies.� Mr. Wittrig has more than 20 years of experience in mortgage default including operational leadership, building cutting-edge technology platforms that support the mortgage default lifecycle, and developing unique strategic business solutions tailored to the individual needs of clients that respond to the moving demands of the industry.

Tom Anderson is a Senior Manager in the PwC Consumer Finance Group and has nine years experience consulting in the financial services industry. He specializes in banking strategy, operations,�due diligence, compliance and risk management. �Prior to joining PwC, Tom worked for Deloitte and Touche in the Consulting and Corporate Finance division, managing a number of engagements encompassing financial, operational and commercial due diligence as well as strategic projects. Tom began his professional career in audit, specializing in banking and insurance clients.

David Williams is the vice president of RightStart Mortgage in Pasadena, Calif.

Alok Datta is the chief operating officer at SLK Global and is responsible for driving operational excellence and customer centricity across all the company�s business verticals. He has been a catalyst for creating robust processes to create value for clients and ensure zero surprise operations. SLK Global is a business process management firm. It leverages its SmarTrans model to maximize business resources and improve processes while reducing costly mistakes.

Debbie Hoffman is the Chief Legal Officer at Digital Risk LLC., headquartered in Orlando, Fla. Debbie oversees Digital Risk�s legal functions and the operation of the legal department. She is responsible for the preparation and negotiation of legal agreements between the company and its clients. In addition, she manages client projects that require legal expertise and review. Debbie advises the company on a wide variety of legal issues and directs the company�s outside counsel. Prior to joining Digital Risk, Debbie served as an attorney at the New York based law firm of Thacher Proffitt & Wood LLP, specializing in the practice area of real estate finance. Debbie earned a Bachelor�s degree from the University of Michigan and a Juris Doctor degree from the Albany Law School of Union University. She is Authorized Florida House Counsel, a Member of the U.S. Supreme Court, the United States District Court for the Northern District of New York and admitted solely to the New York and Connecticut Bars.

Since January of 2007, U.S. Senator Sherrod Brown � a champion of middle-class families in the Senate � has held more than 200 community roundtables across Ohio�s 88 counties with students, local leaders and business owners, entrepreneurs and educators, workers and families to find ways to rebuild our economy. Described as �Congress� leading proponent of American manufacturing,� Brown is working with the Obama Administration on the creation of a�national manufacturing policy�that would invest in manufacturing innovation, strengthen our component supply chain, connect workers with emerging industries, and align our trade policies to promote our national interests. He is also working with Ohio�s universities, entrepreneurs, and community stakeholders to use Ohio�s resources to create new jobs in high-growth industries and make�Ohio a national leader in clean energy manufacturing. And as a�long-time advocate for fair trade, Senator Brown has stood up to presidents of both parties on shortsighted trade agreements that ship U.S. jobs overseas. He led the bipartisan opposition to NAFTA in 1993 � as a freshman in the U.S. House of Representatives � and to CAFTA in 2005. Sen. Brown is working on trade policies that promote our workers, small businesses, and manufacturers while creating jobs and expanding markets through an aggressive export promotion strategy. Informed by his faith as a member of the Evangelical Lutheran Church of America (ELCA), Sherrod Brown is committed to social and economic justice. He�helped pass the historic health care law�that will make health insurance more affordable and accessible for American families. This law also provides strong consumer protections that will prevent insurers from placing limits on the care patients receive and discriminating against consumers based on age or pre-existing health conditions. Senator Brown is also working to ensure that Ohioans receive the education and training needed for 21st�Century jobs. For the last several years, Senator Brown has also convened a�one-of-its-kind Ohio College Presidents Conference�in Washington to discuss ways to leverage federal resources to promote higher education and job training in Ohio. Brown serves on the�Senate Committee on Finance.�He also serves on the�Senate Banking Committee, where he played an instrumental role in passing the historic Wall Street reform law, and is�Chairman of its Financial Institutions and Consumer Protection�Subcommittee. Brown is also the first Ohio Senator in 40 years to serve on the�Senate Agriculture, Nutrition, and Forestry Committee, where he has been instrumental in strengthening the farm safety net and addressing childhood hunger.�He serves as Chairman of the Subcommittee on Jobs, Rural Economic Growth and Energy Innovation.

Laura Bowles is the Chief Financial Officer of Movement Mortgage, an independent mortgage lender with 280 offices in 38 states and more than 1,200 employees. ��As CFO, Laura oversees the accounting, business support, and financial planning and analysis functions.Laura has over 17 years of experience in financial services, building and leading complex teams within finance, risk management and product management.� Laura joined Movement Mortgage from Citibank, where she served as Head of Consumer and Small Business Lending. Prior to Citibank, she managed credit and operational risk for Bank of America Home Loans.� Earlier in her career, she served as a business unit CFO at Wachovia and held roles in private equity and investment banking at Chase Capital Partners and Merrill Lynch.Laura holds a Masters of Business Administration from Harvard Business School and a Bachelor of Science in Engineering from Princeton University.��

Glenn McCullom is the copy editor of National Mortgage News.