Banco Popular de Puerto Rico

Jeffrey M. Levine is a Managing Director in the Financial Institutions Group at Houlihan Lokey. Mr. Levine was previously a Managing Director at Milestone Advisors, where he headed that firm�s national mortgage banking advisory practice. Milestone was acquired by Houlihan Lokey in December 2012. Mr. Levine has extensive transaction experience in the mortgage banking industry and has participated in most of the corporate transactions executed over the past fifteen years, representing a combined servicing volume in excess of $600 billion. Recent notable transactions include: the sale of MetLife�s $70bn residential servicing business to JP Morgan Chase Bank, the sale of MortgageAmerica to HomeTrust Mortgage, the sale of $23bn in Agency MSR�s for the FDIC from AmTrust Bank, the sale of First Horizon Home Loans to MetLife Bank, and the sale of American Home�s mortgage servicing business to WL Ross & Company. Prior to joining Milestone, Mr. Levine was Managing Director of BayView Financial Advisory Services, a boutique investment banking firm specializing in the mortgage banking industry. Mr. Levine has over 25 years� experience in the mortgage banking industry and prior to joining Bayview in 1991, was the manager of mortgage warehouse lending at Southeast Bank, N.A.Mr. Levine has been a guest lecturer at the Mortgage Bankers Association�s School of Mortgage Banking and its Chief Financial Officers and Financial Analysis Conferences, as well as FHLMC�s School of Mortgage Finance. His articles have appeared in national trade publications including Community Banker and Mortgage Servicing News. Mr. Levine received his Bachelor of Science in Business Administration degree from the University of Florida.

Mr. Ufberg is a Managing Director at Atalaya responsible for the origination, analysis, and management of private credit investments. Prior to joining Atalaya, Mr. Ufberg was a Vice President at Goldman Sachs, where he was a member of their Special Situations Group. While at Goldman, Mr. Ufberg provided vertical and geographic coverage for the specialty lending group. He also originated and structured middle market investment opportunities with a primary focus on debt transactions between $20-$200mm.Prior to joining Goldman, Mr. Ufberg spent six years at Bernstein Investment Research and Management, where he led all aspects of origination for a private client management team. Prior to Bernstein, Mr. Ufberg was an associate at Dilworth Paxson. Mr. Ufberg earned his BA from Pennsylvania State University and his JD from Villanova University.

Randy D. Munday is director of collateral services at Indecomm Global Services, a leading business processing outsourcing company based in Edison, N.J. Munday can be reached at rdmunday@indecomm.net�

Reeves Ambrecht is a Managing Director of the Loan Sale Advisory Group at The Debt Exchange, Inc. He is responsible for assisting Banks and real estate debt funds with loan sale execution. Specifically, Reeves advises clients on loan portfolio management by providing the valuation and likely clearing prices for single loans and portfolios of loans based on current market conditions and recent sales at DebtX. In this position, Reeves leverages 11 years of real estate, loan sales and trading experience. Prior to his involvement with DebtX, Reeves was employed by Cushman & Wakefield in Connecticut and Jones Lang LaSalle in New York City.

Mr. Blase is a partner in the Boston office of K&L Gates. Mr. Blase concentrates his practice in the area of commercial litigation, including class action defense and consumer finance litigation. Mr. Blase has experience representing mortgage lenders, banks and other financial institutions in suits under various federal and state consumer statutes.Mr. Blase regularly represents mortgage lenders, loan servicers and other financial institutions, nationwide, in consumer finance class action lawsuits, including claims under the federal Truth in Lending Act, Fair Debt Collection Practices Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, and various state unfair and deceptive trade practices acts. Mr. Blase�s recent experience and outcomes, in jury and non-jury civil litigation matters, include:Denial of class certification in a putative nationwide class action under the Fair Debt Collection Practices Act;Dismissal of putative nationwide class action against national bank alleging breach of contract and violations of Fair Debt Collection Practices Act arising out of allegedly improper lender-placed insurance;Defend loan servicer and others in a multidistrict litigation proceeding established to address claims related to the identification of Mortgage Electronic Registration Systems, Inc. on residential mortgages and deeds of trust in non-judicial foreclosure states; andPart of a team advising a national bank in cases alleging certain improprieties in connection with the execution and notarization of foreclosure-related documents.

David Bialzak is Executive Vice President and Manager of Real Estate Compliance and Operational Risk for the Consumer Lending Group. In this role, he is responsible for compliance risk, operational risk, counterparty risk and fraud risk for the real estate lending businesses. Prior to leading the Real Estate Compliance and Operational Risk groups, he was Chief Credit Officer for Wells Fargo Home Mortgage, the nation�s leading originator of residentialmortgages. In this role, he was responsible for credit policy, counterparty risk management, portfolio credit management, automated decisioning, captive reinsurance risk management and fraud risk management forWells Fargo Home Mortgage. His career withWells Fargo Home Mortgage, prior to leading the Credit Risk Management group, included a number of positions within the Capital Markets group, including Senior Vice President in charge of servicing portfolio risk management and head of structured finance. He joined Wells Fargo Home Mortgage in 1996. Before joining Wells Fargo HomeMortgage, he was Group Vice President and head of Structured Finance for Prudential HomeMortgage, which was acquired by Norwest in 1996. Prior to joining Prudential Home Mortgage, he was a senior manager in the national mortgage banking consulting practice of KPMG in Washington, D.C., where he led the collateralizedmortgage obligation modeling practice.He earned a bachelor�s degree in electrical engineering from the University of Virginia in 1981 and an MBA in finance from Cornell University in 1985.