Banco Popular de Puerto Rico

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.

Brian McGrath is head of strategic development for Tampa, Fla.-based ProVest LLC.

David DiMartile specializes in industrial relations, organizational structure, human resource business strategy and human resource management. He is the president and managing director of DiMartile HR and has nearly four decades of business management experience.

Phillip L. Swagel is Professor in International Economic Policy at the Maryland School of Public Policy.� He directs the Thomas Schelling Distinguished Visitor Series, which brings to the university eminent policy makers and leading academics who have made sustained contributions to public policy.Swagel comes to MSPP from the McDonough School of Business at Georgetown University, where he served as a visiting professor teaching classes on the relationship between financial markets and the economy. Swagel was also the director of the McDonough School's Center for Financial Institutions, Policy, and Governance.� He is a non-resident scholar at the American Enterprise Institute.Swagel was Assistant Secretary for Economic Policy at the Treasury Department from December 2006 to January 2009.� In that position, he advised Secretary Paulson on all aspects of economic policy.� He served as a member of the TARP investment committee, and was responsible for analysis on issues including housing, financial markets, healthcare, pensions, and macroeconomic forecasts.Swagel was previously chief of staff and a senior economist at the White House Council of Economic Advisers, and was an economist at the IMF and the Federal Reserve Board.� He has taught courses on domestic and international economics at Northwestern University and the University of Chicago Booth School of Business.� He received a bachelor's degree in economics from Princeton University in 1987 and a PhD in economics from Harvard University in 1993.��