Banco Popular de Puerto Rico

Mr. Boles is a Managing Director in the Dallas Municipal Finance office of RBC Capital Markets. He is also Co-Head of the Texas Municipal Finance Group. Mr. Boles joined RBC Capital Markets in 1991 after starting his career in public accounting. Mr. Boles has served as the investment banker or financial advisor to virtually every type of tax-exempt issuer, including state agencies, counties, cities, public and private universities, community colleges, school districts, and healthcare providers. Some of those issuers include Dallas County, Texas; Dallas County Community College; McLennan Community College; CPS Energy of San Antonio, Texas; Highland Park Independent School District, the City of Lubbock, Texas; Southern Methodist University: Tarrant County College, The University of Texas System; Texas Municipal Power Agency; Texas State University System; Texas Tech University System; Texas Public Finance Authority; Texas Woman�s University and Texas Water Development Board. Mr. Boles is a member of Southern Methodist University Associates Board for the Cox School of Business. Mr. Boles is a Certified Public Accountant and a registered securities representative, currently holding Series 7, Series 53, Series 63 and Series 79 licenses. Mr. Boles holds a BBA in Accounting from the University of Texas at Austin and received a MBA from Southern Methodist University.

Tim joined JPMorgan�s Public Finance (�PF�) Credit Origination Group in August 2007 as the senior credit banker covering clients domiciled in California, Nevada, Oregon, Idaho, Washington, Alaska, Arizona, Hawaii and Utah. In 2008 Tim was appointed head of the PF Credit Origination/Portfolio Management Group. This group consists of 14 New York based bankers and currently provides approximately $28.5 billion of credit facilities to over 200 of the country�s largest and most sophisticated issuers. Prior to joining JPMorgan Tim worked for Lloyds Banking Group for 17 years in a variety of management roles within their Wholesale and International Banking departments. In 2000, Tim relocated from the UK to the US to join the Lloyds Structured Finance team in New York where he was responsible for establishing, staffing and setting the strategy for their municipal finance business. Tim holds a Bachelor of Science in American Business Studies from the University of Wales, Swansea and is an Associate of the Chartered Institute of Bankers.

Jeffrey Powell, 15-year Wall Street veteran, Adjunct Professor at the Jesse H. Jones School of Business at Texas Southern University, and 3-term Habitat for Humanity Board Member is leading the discussion on Impact Investing for Economic Improvement. As Managing Director of The Capital Maverick Group � which holds the distinction as one of only five financial firms in the state of Texas that is EDN/OPIC-approved to leverage access to government-approved funding and political risk insurance outside the U.S. � Jeffrey is using his financial expertise to promote public|private participation for positive financial and community impact. (�Double Bottom-line Returns�) Prior to launching The Capital Maverick Group, he served as Vice President in The Private Bank at Wells Fargo Bank & Co. He advised both ultra-affluent clients and private entities on a variety of strategic and financing initiatives with a particular emphasis on credit lending, investment management and trust and estate planning.Prior to joining Wells Fargo Bank & Co., Mr. Powell�s past executive experience included Vice President of Sales and Investment Banking at Merrill Lynch Global Bank and Vice President at JPMorgan Chase in the Private Wealth Management Group, where he managed over $800 million in assets and liabilities for both public and private investors. Mr. Powell received his undergraduate degree from The College at Brockport, located in Upstate New York. He holds multiple securities licenses in addition to his Certification in Finance from Columbia University School of Business. He is an active board member and community philanthropist in both New York and Texas.Former board positions include the Houston Habitat for Humanity, Houston Homeless Society and Houston Museum of Fine Arts - Buffalo Solider National Museum Fund Raising Chair. He is also a member of the United Way of Greater Houston (Project Blue Print Alumni) and Leadership Houston Class XXXII.

Joshua Franzel is the vice president of research for the Center for State and Local Government Excellence where he leads research initiatives on a range of public policy, finance, and management topics, often collaborating with organizations from the public, private, and academic sectors. He also is director of policy research for the International City/County Management Association and oversees the development of the organization�s white papers.�Previously he worked for both the Delaware and Florida Legislatures and was a Presidential Management Fellow with the International Trade Administration and the Office of Management and Budget. His research has focused on state and local government management, public finance, pensions, healthcare, demographics, and innovation. Franzel is an adjunct professor�at American University, where he teaches graduate level courses on�state and local government. He holds a Ph.D. in Public Administration (& Policy) from American University in Washington, DC.

Patrick Jordan directs Enterprise�s Advisory Services field team, delivering capacity building and technical assistance to state and local governments and their nonprofit partners, fostering innovation in housing and community development program design, finance, operations and strategic planning.� Currently, the field team administers more than 30 engagements through HUD-funded cooperative agreements in excess of $25 million, focused on assistance to communities facing economic and capacity challenges.��Mr. Jordan also serves as Deputy Executive Director of Operations and Management for the National Resource Network. In this capacity he is responsible for day-to-day operations, administration, and finance. He also managers fundraising and communications and plays a key role in the Network�s on-the-ground engagements in cities across the U.S.Previously, Mr. Jordan worked in the Office of the Assistant Secretary for Community Planning and Development at the US Department of Housing and Urban Development (HUD), focused on national policy development incorporating local best practices into national models and building capacity of distressed communities to understand and address their local housing markets.� With HUD, he was integral in developing data-driven, place-based, decision making tools for tracking cross-programmatic performance and compliance.�Mr. Jordan began his career in community development after founding RE:HAB, Inc., a community development corporation in Washington, DC that renovated homeless shelters, administered a local GED program, and conducted catalytic, volunteer-driven, neighborhood beautification projects.� Patrick earned a Juris Doctor and public policy certificate from the Catholic University of America Columbus School of Law and a bachelor's in physics and mathematics from Gettysburg College.

Monique Winkler is Senior Counsel in the Municipal Securities & Public Pensions Unit of the Enforcement Division at the Securities and Exchange Commission.� Ms. Winkler works in the San Francisco Regional Office of the SEC.��� She graduated from Vanderbilt University School of Law and is a member of the California bar.

Robert Feyer is a Senior Counsel in the Public Finance Department of Orrick, Herrington & Sutcliffe LLP�s San Francisco office, with more than 37 years of experience representing issuers and underwriters of municipal bonds.� For most of this time Mr. Feyer has been the senior bond and disclosure counsel for the State of California, the largest issuer of municipal debt in the U.S.� Mr. Feyer is a frequent panelist on municipal finance and disclosure matters, including the Bond Buyer�s recent Webinar on the SEC Municipalities Continuing Disclosure Cooperation initiative.� Mr. Feyer is a member of the National Association of Bond Lawyers (Securities Law Committee) and the American College of Bond Counsel.

James Poterba is the President and CEO of the National Bureau of Economic Research, a non-profit research organization with over 1300 affiliated economists, and the Mitsui Professor of Economics at MIT. He has served as Vice President of the American Economic Association, and President of the Eastern Economic Association and the National Tax Association. Poterba's primary research interests are tax policy and retirement security. He has studied the role of tax policy in affecting retirement saving, the draw-down of assets after households reach retirement, and the role of tax-deferred retirement saving programs such as 401(k) plans in contributing to retirement security.� He is also a trustee of the College Retirement Equity Fund (CREF) and the Alfred P. Sloan Foundation.