Banco Popular de Puerto Rico

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.

Jason J. Fichtner�is a senior research fellow with the�Mercatus Center�at George Mason University.Jacob Feldman�is a research analyst with the�Mercatus Center. They are coauthors of a recent working paper published by the Mercatus Center on "Reforming the Mortgage Interest Deduction."

Stephen Ornstein concentrates on federal and state mortgage banking, consumer credit and ancillary services regulatory issues. He counsels national mortgage lenders, servicers, insurers and secondary market issuers in complying with lending regulations, including:RESPATruth in LendingFair Credit ReportingEqual Credit OpportunityFair Housing/Fair LendingNational Flood Insurance Act�Student Lending Requirements��State regulations and licensingPrivacyStephen works extensively in government regulation of mortgage finance, particularly with respect to FHA-insured and VA-guaranteed single-family and project mortgage loans. He has substantial experience in federal and state bank regulation, including agency powers and procedures with respect to professional liability claims. His consumer finance expertise spans the range of asset classes, including residential and commercial mortgage loans, student loans and payday loans. Stephen also represents clients with matters involving the Consumer Financial Protection Bureau. Stephen earned his J.D. from Columbia Law School as a Harlan Fiske Stone Scholar. He earned his A.B., magna cum laud and Phi Beta Kappa, from Brown University.

Richard L. Borges II, MAI, SRA, is the 2013 president of the Appraisal Institute, the nation�s largest professional association of real estate appraisers. Based in Chicago, the Appraisal Institute has more than 23,000 professionals in almost 60 countries.

Walt Thomasson is the managing director of College Station, Texas-based Rentsys Recovery Services, a provider of a provider of disaster recovery services for banks, credit unions, mortgage lenders and other organizations. Thomasson has more than 21 years of experience in the information technology industry, and founded the company in 1995. For more information, please visit www.rentsysrecovery.com.

Phil Freeman is founder and CEO of Data Select

Laurence E. Bensignor is Executive Vice President and General Counsel of Eagle Bancorp, Inc. and EagleBank, a $3.4 billion community bank headquartered in Bethesda, Maryland, with 18 branches in the Washington, D.C. metropolitan area. Mr. Bensignor serves as the company�s chief legal officer and is also responsible for Eagle Insurance Services, EagleBank Investment Advisory Services and Eagle Commercial Ventures. Before joining Eagle in 2010, Mr. Bensignor was a principal of CastleGate Partners, LLC, a real estate investment firm, and formerly served for ten years as the fulltime Trustee of the Van Metre Family Trusts, the principal owner of a multifaceted real estate development, homebuilding and investment organization in Northern Virginia. From 1993-1998, Mr. Bensignor was a partner in Arter & Hadden, LLP, resident in its Washington, D.C. office, where he chaired the Real Estate Practice Group. Previously he was a partner (and formerly an associate) at Melrod, Redman & Gartlan, P.C., Washington, D.C., where he concentrated his practice in real estate and corporate transactions. Mr. Bensignor received his Bachelor of Arts degree from the University of Rhode Island magna cum laude and his Juris Doctor degree from The George Washington University National Law Center. He is a Fellow of the American College of Real Estate Lawyers.

Angela Cheek has extensive experience working with financial service providers on the implementation of compliance solutions. For almost 20 years, she has focused her career on operations, lending, real estate, and business law, working primarily with financial institutions, mortgage lenders, and technology companies.Ms. Cheek is currently the senior director, product compliance of Ellie Mae. She began her legal career specializing in compliance for financial service providers, serving as operations product counsel for CFI ProServices, Inc. (now Harland Financial Solutions Inc.) for six years. Ms. Cheek also maintained a financial services and business law practice for four years as an associate at the law firm of Farleigh, Wada & Witt PC, in Portland, Oregon, representing financial service companies, financial institutions and mortgage companies on regulatory, operational, compliance, privacy, and licensing issues.Ms. Cheek is a member of the state bar associations of California and Oregon, and a member of the American Bar Association, including the business law section, committee on consumer financial services. She also served as the chairperson of the National Home Equity Mortgage Association compliance and servicing subcommittee for two years.