Banco Popular de Puerto Rico

Mr. Hiner represents borrowers and lenders on a wide variety of corporate finance,securitization, acquisition and other transactions. For over a decade, Mr. Hiner'spractice has had a particular focus on the mortgage servicing business.Mr. Hiner represents servicers in their borrowing arrangements, and banksarranging financing for servicers, in traditional syndicated loan facilities andstructured, securitized facilities, collateralized by servicer advancereceivables and by other servicing assets, including design of master truststructure combining revolving notes and term ABS to maximize borrowingefficiency.Mr. Hiner also has represented mortgage servicers and owners of mortgageservicers in M&A transactions, both on the buy and the sell side, and has aparticular focus on acquisition financing in mortgage servicing M&A,representing buyers and sellers in three of the largest servicing M&Atransactions that have been closed in the wave of consolidation resultingfrom the financial crisis.Mr. Hiner regularly advises mortgage servicers on contract interpretation,strategic initiatives, compliance, policy matters and in commercial litigation.Mr. Hiner has represented numerous parties in connection with jointventures and capital formation, particularly in the consumer financecompany area, particularly mortgage lenders, manufactured housinglenders and credit card issuers, including start-up, venture capital equityand debt investments and strategic alliances, development of lendingoperations and warehouse financing, loan purchase and sale agreements,public and private equity offering documents and the SEC IPO registrationprocess, and long-term financing through the securitization markets, inprivate and public offerings.Mr. Hiner represents lenders and borrowers on secured mezzanine andsubordinated financing of commercial real estate development projects.Mr. Hiner has represented several financial guaranty insurers on publicasset-backed securities transactions, and restructuring of a major monolineinsurance company.Mr. Hiner received his B.A. from the University of Virginia in 1986, and his J.D. fromDuke University School of Law in 1989.

Jay A. Loeb is a Vice President and one of the principal owners at National Creditors Connection, Inc (NCCI). Mr. Loeb is a graduate of San Diego State University. Prior to joining NCCI in 1996, Mr. Loeb was Vice President of a private investigation and auto recovery firm in San Diego, California. Upon joining NCCI, his initial role was to build a nationwide network of field representatives, trained to assist lenders with a service that would help avoid costly foreclosures and repossessions. He successfully led at different intervals, the NCCI Sales and Operations Departments.Currently Mr. Loeb heads the Strategic Business Development Department at NCCI. He is working extensively in developing new strategic alliances with existing clients, developing and implementing new client initiatives and new NCCI business services. He is continuously developing new strategic alliances with outside companies to promote NCCI as the nation's premiere field services firm.

Joe Ohayon is senior vice president of Community and Client Relations. Joe's primary responsibility is to manage the overall default servicing relationships with key investors as well as facilitate community outreach activities promoting WFHM foreclosure prevention programs. Joe joined Wells Fargo in November 2006. Prior to joining Wells Fargo, he spent 13 years with Freddie Mac managing their Servicing Customer Relations Department where he was responsible for the overall servicing relationships with Freddie Mac's largest and most consequential customers. Joe spent part of his career at Freddie Mac in their Loss Mitigation area which focused on helping keep borrowers in their homes and reduce credit losses to Freddie Mac. Joe has a Bachelor of Arts in Finance from Frostburg State University in Frostburg, MD and a Masters of Business Administration from Marymount University, Arlington, VA.

Julie Gutzwiller is a principal and CFO of Bridge Partners, Inc., a privately held real estate investment firm that has invested in multi-family and hospitality assets across the country since 1990. With Bridge Partners since 2001, Julie has managed and filled almost every senior role in the organization, including asset management, controller, acquisitions and dispositions. Today she specializes in all aspects of strategy development and execution across the domains of capital partners and structure, business development and investments, operations and tax compliance. Bridge Partners is the general partner and sponsor of over 30 investment funds invested in hospitality and multifamily assets throughout the United States. The company’s 20 year history of delivering 20+% average IRRs to its investors has been driven by its successful execution of a series of business plans designed to pursue in scale off-market opportunities (such as the firm’s prior HUD 236 and Project Based Section 8 business plans) that are specifically not driven by market bets. Today the firm’s investment focus includes note and partnership interest acquisitions secured by both performing and non-performing multi-family and hospitality assets. Prior to joining Bridge Partners, Julie’s past roles include Legislative Assistant to senior congressional members Senator Harry Reid and Congressman Lee Hamilton during her four years on Capitol Hill; Senior Analyst and Economic Consultant at Keyser Marsten and Associates where she advised cities and redevelopment agencies on their financial participation in public-private real estate projects, and; Acquisitions / Pre-development Manager at Greenbriar Homes, a private SFR developer of high end production housing, where she sourced, priced and closed land and managed the entitlement process. Julie graduated Stanford University in 1990 with an interdisciplinary BA degree focused on the intersection of science, technology and society. She earned an MBA with an emphasis on real estate finance at Berkeley’s Haas School of Business in 1999 and recently completed the two year Business Professional’s Course offered through The AJI Network to further advance her professional development through the study of the biology, linguistics, philosophy, art and engineering of business. Julie Gutzwiller is a founding and Steering Committee member of Stanford Professionals in Real Estate (SPIRE). While helping design the strategy and tactics to launch the organization, the group grew from 5 to over 1000 members in its first year. She is now focusing on the education mission of the organization, helping to design offerings for members to continue their professional development with the ultimate goal of establishing new and higher standards and criteria around the professional requirements of the industry. Julie is also a member of the Berkeley Real Estate Alumni Association and The AJI Network of business professionals.

Richard Andreano is a partner at Patton Boggs LLP in Washington, DC. Rich offers clients 25 years of experience and a thorough understanding of issues facing the financial services, mortgage banking and consumer finance industries. He advises lenders, brokers, title companies, home builders, real estate professionals and other settlement providers through issues concerning the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank), Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, Fair Credit Reporting Act (including FACTA), Home Mortgage Disclosure Act (HMDA) and the Gramm Leach Bliley Act. Among a range of specific issues, he assists clients with regulatory issues regarding Dodd-Frank implementation, loan originator compensation, RESPA, TILA and other disclosures, servicing, the liquidation of distressed loan portfolios, affiliated business and service arrangements, marketing and promotional programs, and incentive and other arrangements. Rich is a regular speaker on industry matters. He is the editor in chief and a contributor to Mortgage Finance Regulation Answer Book 2011-2012.

F. Thomas Eck, IV is Associate General Counsel, Fair and Responsible Lending with Capital One Financial Corp. In addition to his role as the company’s fair lending attorney, Mr. Eck advises Capital One on its response to consumer regulatory issues created by the Dodd-Frank Act including the preemption of state consumer financial laws and new regulatory regime under the Consumer Financial Protection Bureau.Appointed by Governor Robert McDonnell in July 2010, Mr. Eck also serves on Virginia Fair Housing Board as the mortgage industry representative. Prior to joining Capital One, Mr. Eck held senior attorney positions with the Office of the Comptroller of the Currency and Bank of America. He began his career with Gibson, Dunn & Crutcher. Mr. Eck received his both his bachelor of arts degree and his juris doctorate from the University of Southern California.

Eric Halperin is the Special Counsel for Fair Lending in the Civil Rights Division of the Justice Department where he oversees the Division’s fair lending enforcement program and serves as an advisor to the Assistant Attorney General on lending issues. From 2004 until January 2010, Eric was at the Center for Responsible Lending, a national policy, research, and litigation organization whose mission is to eliminate abusive financial practices. Eric was the Director of CRL's Washington office, where he managed the litigation program and CRL's advocacy on various policy issues. This marks Eric’s second stint at the Department of Justice. From 1998-2004, Eric was a trial attorney in the Housing and Civil Enforcement Section of Civil Rights Division, working primarily on litigation to enforce the Fair Housing Act. Eric received his B.A. from Wesleyan University and his J.D. from Harvard Law School.

Rodney Carey is the CEO of Woodward Asset Capital, the Michigan company that created fraud-fighting software OfferSubmission.com (to streamline the REO process) and VerifiedShortSale.com (to streamline the Short Sale process). Carey is an expert on the politics and perspectives of the lengthy REO and Short Sale processes and a real estate consultant who identifies gaps in business practices and finds ways to make companies more efficient. Prior to forming Woodward Asset Capital with two partners in 2007, Carey was a director with First Franklin Financial Corp., a subsidiary of Merrill Lynch. He also held leadership positions at two retail organization firms.