Banco Popular de Puerto Rico

Ms. Brown has more than 20 years of experience in healthcare finance and investment banking. She joined Ponder & Co. in 2002 and is a managing director for the Capital Advisory Group, serving as financial advisor to a variety of healthcare clients, primarily acute care hospitals and health systems nationwide. She has maintained long-standing relationships with her clients through an emphasis on strategic capital planning and consistent, unbiased advice and advocacy in the capital markets.Prior to joining Ponder & Co., Ms. Brown was an investment banker with the healthcare group at J.P. Morgan Securities, Inc. She also worked for a large integrated healthcare system in Chicago where she was responsible for negotiating managed care contracts on behalf of the hospital and its physicians, and spent five years in the equity operations area of Goldman, Sachs & Co.Ms. Brown holds an M.B.A. with concentration in finance and healthcare management from Northwestern University�s J.L. Kellogg Graduate School of Management in Evanston, Illinois and B.S. degrees in business administration and exercise science from Lake Superior State University in Sault Ste, Marie, Michigan.

Linda was appointed Vice President, Treasury Services of Catholic Health Initiatives in October 2002.� Prior to assuming this role, Linda served as Director of Capital Finance for CHI since April 1997.� Prior to joining Catholic Health Initiatives (CHI), Linda was with Holy Cross Health System Corporation, South Bend, IN for fourteen years and served in several finance roles.In her role as Vice President, Treasury Services, Linda is responsible for the management of the national investment, cash management, and capital finance functions for Catholic Health Initiatives.� Assets managed within the investment programs are approximately $13 billion and outstanding debt is $8.1 billion. Linda holds a master of business administration degree from Indiana University, South Bend, Indiana and a bachelor of business administration degree in accounting from Western Michigan University, Kalamazoo, Michigan.��

A proven convener and problem solver, Mr. O'Connor has over thirteen years of experience with a focus on strategic planning, joint venture development, private sector partnerships and economic development programs. As the Director of New Ventures at the Research Foundation for SUNY, he provides oversight for the development of new joint ventures for the of the RF including the management, development, and operational support for a diverse portfolio of over 25 subsidiary corporations, joint ventures and strategic partnerships.Mr. O�Connor also serves as Chair of the SUNY Incubator Network which integrates and supports SUNY�s suite of 17 business incubators across New York State. The Network provides increased access to business development tools and resources and looks to capitalize on the aggregated pool of available talent, infrastructure, and technology from across New York State to improve opportunity and access to capital for emerging companies. As a Director and/or Officer for several corporations, he has forged new partnerships with leaders of key university/industry joint ventures including the nanotechnology hub in Albany, the biotechnology corridor on Long Island and Brooklyn and the advanced manufacturing consortium in Buffalo.Mr. O�Connor holds a BA from Binghamton University and an MBA in Finance from the University at Albany.

Holly G. Crawford is the Senior Associate Vice President for Budgets and Planning and Deputy to the Senior Vice President and Chief Financial Officer at the University of Rochester.She has been with the University for 16 years and is responsible for the development of the University�s $3.2 billion operating budget; capital budget; strategic, financial and debt planning; endowment modeling and special projects including the development of College Town. �Ms. Crawford holds a BS degree from Long Island University and an MBA degree from the Simon School of Business.� She is also a CPA, CIA andCMA.Ms. Crawford has previously held management positions with ACC Telecommunications, Bausch + Lomb and Arthur Andersen LLP.� She is a member of the AICPA.

Joe Greco is the Director of Intermodal / Trade Development for the Maryland Port Administration. He started at the MPA as a sales and marketing administrator in 2009 and was promoted to Deputy Director of Marketing in 2010. Joe began his maritime career in 1996 with Columbia Coastal Transport where he served in various capacities from Port Captain to Regional Manager. After Columbia Coastal Joe served as Senior VP for the Steamship Trade Association of Baltimore which acts as the shipping association for the Port. Joe is a graduate from the University of Scranton and lives in Jarrettsville, MD.

Simon Santiago is a partner with Nossaman LLP and is based in Washington, D.C.� He leads the East Coast operations of Nossaman�s Infrastructure Practice Group and works exclusively in the field of procurement and construction law.� He specializes in representing public sector owners using public-private partnerships and other innovative financing and project delivery methods to develop large-scale transportation, transit and multi-modal projects. ��

Megan K. Reilly is theChief Financial Officerfor the Los Angeles Unified Public School District which is the second largest Kindergarten through 12th grade school system in the United States.� The Los Angeles Schools is an urban school district serving approximately 600,000 students and covering 710 square miles.� The District has a combined annual operating, debt service and internal service budget of approximately $11 billion in support of 932 K-12 schools and 97 other schools and centers and 60,000 employees.From 2000 through 2013 the Los Angeles Unified School District was the largest issuer of school district debt in the U.S, the 4th largest municipal issuer in California and the 29th largest municipal issuer in the nation. The majority of the long-term debt for capital projects fall within the new construction, modernization, technology and safety programs, which are financed with $20.6 billion of voter-approved General Obligation (�GO�) Bonds and $7.4 billion of State matching funds and other sources.The District also uses alternative finance structures to meet capital and operating needs.� Some projects are financed with Certificates of Participation ("COPs"), including some private placements. Short-term debt issuances include tax and revenue anticipation notes (�TRANs�) that finance temporary cash flow deficits. TRANs issuances have ranged between $300 million to $1.38 billion per year. The District has utilized special bond structures permitted under the ARRA: �BABs and QSCBs. As of September 1, 2014, the District had $10.3 billion of outstanding voter authorized GO Bonds and GO Refunding Bonds, with $7.542 billion of authorized but unissued GO Bonds. Over the years, the issuance of GO Refunding Bonds resulted in $405 million of savings to taxpayers.Prior to her work with Los Angeles Schools Megan served extensively in academic and research organizations with the Department of the Navy.� She served as theExecutive Director of Business Services & Comptrollerat the Naval Postgraduate School, located in Monterey, California. ��She was also the Comptroller at Fleet Numerical Meteorology & Oceanography Center. �The Center provides meteorology and oceanography support to U.S. and coalition forces worldwide.�Megan was a distinguished scholar in the Department of Defense Financial Management program.� She spent a year teaching English in southern Japan at the middle and senior high school levels.� Along with a B.A. degree in History from Loyola University, she has a M.S. degree in Management from the Naval Postgraduate School, a J.D. degree from the Monterey College of Law and is a member of the California bar.� She currently serves on Oversight Boards for Redevelopment Successor Agencies for Los Angeles and West Hollywood formed as a result of the recent dissolution of Redevelopment Agencies. She is a member of the Aspen Institute�s Education and Society�s Chief Financial Officers Committee that deals with educational reform initiatives and turnaround models for improving success in the public Kindergarten through 12th grade education system. �She serves on the Board of the Joint Powers Authority California Delinquent Tax Finance Authority that provides financing on behalf of ninety four participating school districts, community college districts and other local educational agencies.

Gary Gallegos is the executive director of the San Diego Association of Governments (SANDAG). SANDAG is the research, planning, and transportation agency for the region. Agency policymakers are elected officials from each of the area�s 18 cities and the county. SANDAG is responsible for numerous regional initiatives including population growth, transportation, transit engineering and construction, environmental management, economic development, municipal finance, binational and interregional coordination, and public safety.Under his direction, the agency is creating the first Regional Transportation Plan under new California legislative mandates to reduce greenhouse gas emissions, developing a third international border crossing at the U.S.-Mexico border, and implementing more than $1 billion in transportation infrastructure projects in the San Diego region.Prior to joining SANDAG in 2001, Mr. Gallegos held the position of district director for Caltrans District 11, covering San Diego and Imperial Counties.

Mike leads Lillibridge's business development and strategic client management activities. In this capacity, Mike's team assists hospital and health system executives nationwide in reconciling growth and care delivery transformation changes with capital constraints. His responsibilities include the design, planning and execution of Lillibridge's go-to-market strategy. In addition he is responsible for the firm's customer experience and loyalty initiatives. Mike is also a member of the firm's executive management committee.Prior to Lillibridge, Mike was a founding member and Managing Director at General Electric's Healthcare Financial Services Strategic Relationship Group in Chicago. His 20 year financial service career also included 10 years at Bank of America (and its predecessor firms) in the areas of corporate finance, debt capital markets, derivatives and interest rate risk management. Mike began his healthcare career as a marketing representative for Baxter Healthcare and served as a licensed Emergency Medical Technician for over 10 years in Texas, North Carolina and Illinois.Mike holds a Master's of Business Administration from the Kellogg School of Management at Northwestern University in Evanston, Illinois and Bachelors in Arts in Political Science from The Colorado College. Mike is a member of the HFMA's First Illinois Chapter and the American College of Healthcare Executives. He is a frequent speaker to healthcare industry and real estate group on the topics of innovation, disruptive change and capital formation.