Banco Popular de Puerto Rico

Neene Jenkins is a Vice President- Municipal Credit Research Analyst has extensive experience with distressed credits including Jefferson County, Detroit, and Illinois. In addition, she covers high grade and high yield debt with a focus on Higher Education, Charter School, State and Local credits. She previously spent almost five years on Moody�s Investors Service Public Finance Team. Neene holds a BA in applied mathematics from the University of Buffalo and an MPA in public finance from the Robert F. Wagner School of Public Service at New York University, where she occasionally adjuncts.

Todd Fraizer is a Managing Director in Public Financial Management�s (�PFM�) Charlotte, NC, office. �Mr. Fraizer leads PFM�s Pricing Group, which provides pricing resources and negotiation support for PFM�s clients nationwide. The Pricing Group is continually enhancing, expanding and centralizing the firm�s bond pricing expertise. �Mr. Fraizer has assisted in pricing thousands of transactions totaling more than $250B of municipal bonds for PFM issuer clients.Prior to joining PFM, he was the Vice President of Finance for the Kansas Development Finance Authority. In this role, he served as the primary project manager for over $2 billion of general purpose, higher education, pension obligation, transportation, and SRF transactions. Before that, Mr. Fraizer gained futures� and options� trading experience while at the Kansas City Board of Trade.Mr. Fraizer has a Bachelor of Arts in English Literature from the University of Kansas and a Masters of Business Administration and Finance from the University of Missouri-Kansas City. He is a CFA charter holder, as well as a member of the CFA Institute and the Charlotte Society of Financial Analysts.

Daniel J. Alfonso is the City Manager at the City of Miami.� He is implementing various initiatives aimed at improving the City�s finances, employee morale, productivity, and customer service. Previously, he served as Director of Management and Budget for the City and held multiple administrative positions with Miami Dade County.He holds degrees in Finance and Business Administration from Florida International University and an Associate Degree in Accounting from Miami Dade College.Mr. Alfonso also served honorably in the United States Army from 1986 to 1991. He lives in Miami with his wife of 27 years, son and daughter.

Joe Casey has been the Deputy County Manager for Henrico County, Virginia since January 2013. Henrico County, a Triple AAA bond rated county is over 230 square miles with over 10,000 employees and a total budget over $1.0 billion. Previously, he served as Deputy County Administrator and Director of Finance for Hanover County, Virginia; which had the distinction of being the smallest populated Triple AAA bond rated county in the country. He previously worked with KPMG and still retains his CPA license. Since 1998, he has also served as an adjunct professor for Virginia Commonwealth University�s (VCU) and Virginia Tech�s graduate public administration program. He received his undergraduate degree from the University of Richmond in 1986, a graduate degree in public administration from VCU in 1995 and PhD in public policy from VCU in 2013. He currently serves on Virginia Local Government Managers Association (VLGMA) Executive Board, Virginia Association of Counties (VACO) Compensation and Retirement Committee, Vice Chair of Housing Opportunities Made Equal Board; and previously served on the national Government Finance Officers Association (GFOA) Executive Board and as Past-President of the Virginia GFOA. Contact info: cas052@co.henrico.va.us.

Bill has served as a consultant to the NFMA since 2013, with responsibilities for developing policy and strategy with municipal market groups and market regulators. He also works with the media to promote the NFMA’s work. Prior to 2013, Bill’s professional career spanned forty years, encompassing a broad range of experience in city planning, budgeting and municipal credit analysis. He spent nearly thirty years in the municipal bond industry, most of which as Director of Municipal Research at Alliance Capital Management/Alliance Bernstein and Prudential Capital Management. He has been involved long been active in attempts to improve municipal bond disclosure.� He served as Chairman of the Board of Governors of the National Federation of Municipal Analysts in 1995 and received awards from the NFMA as Analyst of the Year, for Municipal Industry Contributions and for Career Achievement. He received a B.A. in Political Science from George Washington University and a Masters Degrees in City Planning and Public Administration from Ohio State University.�

As Ten-Year Financial Plan Project Manager, Kristin Barcak is focused on the implementation of Baltimore�s long-term financial plan.� Baltimore�s Ten-Year Financial Plan is a roadmap for eliminating the City�s structural budget shortfalls, increasing tax competitiveness, investing in infrastructure and reducing unfunded liabilities.� Ms. Barcak coordinates interagency teams dedicated to implementing each of the Ten-Year Financial Plan initiatives.� Prior to her current role, Ms. Barcak worked for the Finance Director of the City of Baltimore as Principal Analyst where she led the Department�s performance management reviews and prepared the City�s annual Bond presentation to Moody�s and Standard and Poor�s.� Ms. Barcak has worked for other government entities including Baltimore�s Water and Wastewater Utility and the U.S. Congress.����

William �Bill� Cole is in his second term as a member of the Baltimore City Council representing downtown Baltimore and more than 25 unique neighborhoods that surround it.� His career in public service spans more than 20 years and includes Special Assistant to U.S. Congressman Elijah E. Cummings (MD-07) from 1996-2003 and member of the Maryland House of Delegates from 1998-2002. Bill was elected to the Democratic State Central Committee in 1998 and in 2012 was elected Delegate to the Democratic National Convention in Maryland�s 3rd Congressional District, receiving the highest vote total. �Since 2003, Bill has served as Associate Vice President for Institutional Advancement at the University of Baltimore and as an occasional adjunct professor in UB�s graduate College of Public Affairs.� He is the Chairman of the boards of both Cecil Bank and its holding company Cecil Bancorp, Inc. and serves on more than a dozen civic and non-profit boards including Visit Baltimore, the Downtown Partnership of Baltimore, the Midtown Community Benefits District, the Babe Ruth Museum, and the Flag House & Star-Spangled Banner Museum.�In 2012, Councilman Cole was honored to be selected as one of the first 100 members of the NewDEAL, a national organization that supports progressive, pro-growth Democrats.� Later the same year, he participated in the American Swiss Foundation Young Leaders Conference in Zurich, Switzerland. Most recently � January, 2014 � he was appointed to the Local Leaders Council of Smart Growth America. �Bill holds a B.A. in Government & Politics from the University of Maryland and a M.A. in Legal & Ethical Studies from the University of Baltimore.� He and his wife live near Baltimore�s Inner Harbor with their three children who are proud to be students in the Baltimore City Public Schools. Bill co-founded the Locust Point Soccer Club and has coached the South Baltimore Youth Soccer League since its inception nearly a decade ago.�� He continues to manage and coach several travel soccer teams throughout the year.

Andy was born on March 31, 1968 in Chattanooga, Tennessee to Marvin and Kandy Berke.Andy�s grandfather, Harry, founded a local law practice in Chattanooga aimed at representing and helping Tennesseans. From assisting someone who was discriminated against for his military service to talking to someone who just needed some advice, the Berke family law practice worked to make someone's life better. Growing up in a family devoted to solving problems for individuals, Andy learned the value of helping others while giving back to and improving one�s community.After graduating with honors from Stanford University in 1990, Andy worked as a legislative assistant in the office of Tennessee Congressman Bart Gordon. Seeing Congressman Gordon's attentiveness to his constituents' needs, Andy decided public service was where he could best serve his community.Andy graduated with honors from the University of Chicago Law School in 1994. Following law school, he worked as a law clerk for Judge Deanell Tacha of the United States Court of Appeals for the Tenth Judicial Circuit in Denver, Colorado.� During this time he also taught at Kansas University Law School as an adjunct professor.Elected to the State Senate in 2007 and re-elected to a second term in 2008, Andy became the Vice-Chairman of the Senate Democratic Caucus. During his tenure, he worked on key legislation like Tennessee Works, First to the Top, and Complete College Tennessee and served on the Senate Education and Transportation Committees. In 2008, he was appointed by Governor Phil Bredesen to the State Workforce Development Board. In addition, the State Legislative Leaders Foundation nominated him to attend its Emerging Leaders Program at the Darden School at the University of Virginia Business School. He attended the 31st American-German Young Leaders Conference in Germany. Recently, he was honored by the Tennessee PTA as the 2012 Legislator of the Year and the Tennessee Education Association's 2012 Friend of Education Award for his commitment to improving public education across Tennessee. Previously, the County Officials Association of Tennessee had named him its legislator of the year, as had the Southeast Tennessee Development District. Lipscomb University's Institute for Sustainable Practice awarded him its Public Official of the Year.Andy is a past President of the Chattanooga Association for Justice, and was a charter member of the local chapter of the Inns of Court. Prior to his election as Mayor, he worked as a board member of the Siskin Children�s Institute, the local public television station, WTCI, the Chattanooga Nature Center, and the Tennessee Holocaust Commission.� At his daughter�s elementary school, Normal Park Museum Magnet, he has been on the PTA board and worked on the Superintendent�s Parent Advisory Committee.Andy was elected to serve as Mayor of Chattanooga on March 5, 2013, winning over 70% of the electoral vote. Andy has focused his public service on making streets safer, providing every child with the opportunity for success, promoting economic and community development, and ensuring that government budgets on outcomes and effectiveness. Andy is married to Monique Prado Berke and they have two daughters: Hannah, who is in eighth grade, and Orly, a fifth grader.

Ed Pawlowski is a leader with skills honed by experience. A center-city Allentown resident for over a decade, Ed knows first-hand both the struggle and the potential Allentown faces. He cares passionately about the future of the city he chose to make his home.In 2005, Ed was encouraged to run for mayor by business and community leaders. His supporters were quick to point out that Ed�s leadership and experience were the only hope for a city that had been so recklessly managed for years. Voters in Allentown elected Ed and then showed renewed confidence by re-electing him by a nearly 3-1 margin in November 2009, winning every single voting district in the city for a second term.The tenure of the Pawlowski administration has been characterized by action, purpose, a strong sense of urgency, and endless energy.Over the past few years, Ed has worked tirelessly to improve Allentown. No less than a half a billion dollars in new development projects have sprung up in every section of our city.Since his first day as mayor, Ed Pawlowski promised that he would �build a better Allentown� by making City Hall a catalyst for change. He has worked hard to fulfill that promise.� The incidence of violent crime has decreased nearly 30% in the past few years.Ed received his master�s degree in urban planning and public policy from the University of Illinois and his bachelor�s degree from the Moody Bible Institute in Chicago, where he met his wife, Lisa. They have two children, Mercy and Alex, who both attend Allentown public schools.

Neil A. Grover was appointed the full time City Solicitor for Harrisburg, Pennsylvania in January 2014, where he oversees a wide array of legal issues encountered by a City working toward a fiscal recovery.� Prior to that appointment, Mr. Grover had been in the private practice of law in Harrisburg since 1988, working in a small firm and then as a solo practitioner for many years, with a practice devoted to civil litigation.Mr. Grover served as a founder, member and legal counsel to a taxpayer organization, Debt Watch Harrisburg, from its formation in October 2010, in the midst of the Harrisburg Debt Crisis.� The primary focus of the group was to fight for a just and fair debt solution for Harrisburg�s citizens, while demanding accountability from those who brought the City to the brink of ruin.Between July 2012 and December 2013, Mr. Grover served as Special Counsel to the Harrisburg City Council on matters related to receivership, mandamus, Pennsylvania�s Act 47 of 1987 and, ultimately, a negotiated recovery plan, which was eventually dubbed the Harrisburg Strong Plan.Mr. Grover is a 1988 graduate of the Catholic University of America�s Columbus School of Law in Washington, D.C.� He went on to earn a second law degree, as LL.M. in Trial Advocacy, from the James E. Beasley School of Law at Temple University in Philadelphia in 1998.�� ��