Banco Popular de Puerto Rico

Dennis Regan is co-founder and Principal of ClearVue Management Inc. Dennis has 29 years of experience in the mortgage and financial industry including originating and valuing over $10 Billion of residential & commercial real estate properties. Dennis’ extensive industry background includes $2 Billion acquisitions/dispositions of loan portfolios. Dennis has held senior level executive positions in nearly all departments of the mortgage business. Dennis earned his Bachelor of Business Management from Notre Dame University.

With over 25 years of mortgage servicing experience, Dana Dillard has worked at many large servicing organizations with a focus on the customer and default.� Currently, Dana serves as the Chief Customer Officer at Nationstar Mortgage where she has responsibility for industry relations, non profit engagement as well as the Customer Advocacy team. Prior to joining Nationstar, Dana worked at GMAC RESCAP where she managed the REO, Liquidations and Community Outreach teams during the peak of the housing crisis.� Dana has held other senior leadership positions at EMC Mortgage, Bank of America Mortgage and Lomas Mortgage. Dana considers one of the highlights of her career to be leading the outreach efforts at HOPENOW from 2008 � 2010 where she traveled across the country talking with hundreds of struggling families.� For that work, Dana received the Five Star Institutes Humanitarian of the Year Award in 2009.� A Dallas native, Dana is a graduate of SMU with degrees in Journalism and Business.

Doug Smith is a nationally known industry speaker, author and sales trainer. For more information, please visit www.DougSmithOnline.com or call Douglas Smith & Associates at 877-430-2329.

As Chief Valuation Officer for Interthinx, Mark Chapin oversees all value related activities that include our extensive file review services, new and existing product development initiatives and government and regulatory compliance efforts. Prior to joining Interthinx, Chapin served as Managing Director of National Business Development with Zaio, a Calgary, Alberta based technology firm that develops automated and appraiser guided valuation solutions.His background includes serving three settlement service firms over fifteen years as Chief Appraisal Officer where Chapin developed and marketed national scope valuation and property inspection solutions. He pioneered the managed valuation solution, whereby independent appraisers serving a common corporate interest could produce uniform credible report products.Chapin assisted in the growth of Tennessee based Appraisal Forum as Chief Valuation Officer. He spent five years working with FIS Valuation Solutions as Senior Vice President of Business Development building and selling risk mitigation offerings.Chapin serves The Appraisal Foundation as former chair of The Industry Advisory Council and past member of The Foundation’s Board of Trustees. His diversified background includes federal government and conventional lending experience, independent specialty valuation experience in Virginia, North Carolina, and Tennessee - and decades of marketing, solution development and sales experience in the US and Canada.

Tom has over 25 years in the mortgage industry specializing the valuation and trading of mortgage servicing rights. Tom is the Managing Member of Interactive Mortgage Advisors, LLC (“IMA”) a consulting and advisory firm that he co-founded in 2001 that provides a variety of services to the mortgage industry including: representation related to mortgage assets with an emphasis on mortgage servicing rights; evaluation of servicing rights; M&A; structuring of portfolio asset management strategies, mortgage asset valuations, and market research. In the ten years since its formation, IMA has advised over 150 clients which include most if not all of the industry’s largest companies. IMA also owns Spurs Capital with Tom as President. Spurs is a distressed mortgage fund founded in late 2009. Spurs purchases residential non-performing and scratch & dent loans along with REO. Prior to forming IMA, Tom was a founder and board member of Matrix Bancorp, a unitary thrift holding company comprised of a billion dollar savings and loan, full-service mortgage banking platform, investment bank, as well as other associated subsidiaries. As CEO of the Capital Markets unit, he oversaw the trading functions of this institution and a staff of approximately thirty finance professionals. Tom graduated from DePaul University in 1986 with a Bachelor of Science in Finance.

Karen A. Hamilton is an Executive Vice President of Suffolk Bancorp, and Executive Vice President and Chief Credit Officer of its banking subsidiary, The Suffolk County National Bank.Ms. Hamilton has more than thirty years’ experience in the banking industry, where she has worked in both the credit and lending venues. Before joining SCNB, she served as Senior Manager of Commercial Lending, Loan Workout and Portfolio Review at Astoria Federal Savings for a $3.5 billion portfolio of commercial loans. Before that, she was a regional credit administrator for J.P Morgan Chase (WAMU), managing a portfolio also in excess of $3 billion dollars. She worked on the lending side of the business for Banco Popular North America as a director of commercial lending, managing a staff of 40 officers, calling on large corporate, middle market and small business markets, and more than doubled that portfolio in the space of four years.

Steven Schwartz is regional vice president for employee benefits firm Corporate Synergies. As the leader of the New York region, he manages a large team of talented benefit consultants and support staff.

Jon has been in the real estate business for over 25 years. He started his career in Chicago as a real estate analyst and project manager for a local real estate developer, Fifield Development Corp. Jon worked on the development, construction, leaseup and sale of over 4 million square feet of office, industrial, retail, hotel and apartment development. When the real estate development business evaporated in 1990, Jon worked on asset management, tenant lease renegotiations, and loan workout on company assets in the brokerage andmanagement business which was sold to Frain Camins and Swartchild, which ultimately became part of CBRE. In 1993, Jon joined Morgan Stanley’s fixed income department which merged his real estate knowledge with bond financing technology. He spent 13 years at Morgan Stanley in sales, trading, capital markets and banking, and ultimately ran the CMBS trading desk during its heyday as the top ranked CMBS issuer and trading counterparty. In 2006, Jon left MS for a brief stint at UBS before joining JPMorgan Chase in 2007 as Head of Capital Markets for U.S. Commercial Mortgages. He is currently responsible for the securitization, distribution and financing of real estate loan risk in the Investment Bank. Jon graduated from Brown University. He is a member of the CREFC Board of Governors and is currently Chair of the Issuers Forum.