Banco Popular de Puerto Rico

Lilly Scher is Vice President and Senior Investment Analyst at Eaton Vance Investment Managers, a leading mutual fund company in Boston, where she specializes in health care and higher education municipal finance credit evaluation and investment for the last sixteen years.� She joined Eaton Vance in 1999.Prior to this, Lilly served as Senior Director at Fitch Ratings, responsible for health care and higher education credit assessment, and worked at Moody's Investor Services and at Putnam Investments, in similar capacities, with�cumulative investment industry experience totaling over 25 years. �Lilly is an active member of the Boston Municipal Analyst Society and the National Federation of Municipal Analysts, where she is a regular contributor to the formulation and adoption of industry best practice standards. A frequent speaker at both national investor and issuer conferences, Lilly has been recognized nationally on numerous occasions for her credit and industry expertise, including being a five time recipient of the Smith’s Municipal Research Award. �Lilly received her B.A. from Columbia University, and is a graduate of Phillips Academy Andover.

Alex Zaman is a Vice President in Citigroup’s San Francisco public finance office. He joined Citigroup in 2011 and provides day-to-day banking services for issuers in California, Arizona, Oregon, Washington, and Hawaii. He has worked with various cities, counties, states, regional transportation authorities, toll road agencies, universities, and redevelopment agencies to execute a variety of credit structures, including general obligation bonds, revenue bonds, lease/COP financings, tax allocation bonds, pension obligation bonds, TRANs, FRNs, and Commercial Paper. Prior to joining Citi, he worked at KNN Public Finance where he specialized in county, special district and school district financings. Alex received his degree in Political Economy and City and Regional Planning from the University of California, Berkeley. He is also an active member of the Urban Land Institute (ULI) and the San Francisco Planning and Urban Research Association (SPUR).

Todd is a senior underwriter in the Public Finance Underwriting Group. He joined BAM from Assured Guaranty, where he was a Vice President in the International Infrastructure and Public Finance Group, and held a similar position at FSA. Before joining FSA, Todd served as an aide to US Senator Jon Corzine of New Jersey and held credit analyst positions with Merrill Lynch's private client group in New Haven, Connecticut. Todd graduated from Yale University with a B.A. in Economics.�

As a Tax Law Specialist within Tax Exempt Bonds, Jim is involved with IRS’s voluntary compliance, educational guidance and compliance analysis and review programs with respect to tax-exempt bonds, tax credit bonds and Build America Bonds. In this capacity, he works to resolve tax violations voluntarily brought forward by issuers, and the planning and implementation of compliance initiatives within segments of the municipal bond market. Jim began his career at the IRS as a Revenue Agent in the Exempt Organizations Division. In 2004, he moved to the Tax Exempt Bonds Division as a Revenue Agent in the Field Operations Section and conducted examinations of tax-exempt bond issuances. In 2009, Jim was selected for a Tax Law Specialist position in the Compliance and Program Management Section.Jim received a BA in financial accounting from NationalUniversity, Irvine, California.

Jeannette Price joined Citi in 1990 after an eight-year career as a healthcare management consultant with Amherst Associates and Ernst & Young.� Since joining Citi, Jeannette has focused her efforts on strategic advisory work and related financings for healthcare systems. Jeannette serves as co-Head of the Strategic Advisory Group for Citi’s Not-for-Profit Health Care Group.Jeannette has led numerous merger and acquisition assignments for healthcare systems. In addition, Jeannette has worked with the executive teams of several leading healthcare systems in evaluating business lines and portfolios of hospitals, growth strategies and targets and in assessing strategic direction in critical markets.Jeannette received her undergraduate degree from Barnard College, and an MBA from Columbia University in New York.

Ben is a senior analyst in the project finance team within S&P Global Ratings. He has been on the team since 2010, and is based in the Denver office. He focuses on ratings and surveillance of single asset projects across a diverse set of industries including transportation, social infrastructure, as well as both renewable and fossil fueled power generation.Prior to his current role, Ben worked in the structure finance team at S&P Global Ratings, covering esoteric asset backed transactions. He joined S&P Global Ratings in 2006. Ben has a B.S. in computer science and pure maths & a B.E. in electrical engineering from the University of Sydney, and an MBA from NYU. He is also a CFA charterholder.

JOSEPH C. BOSCH is a Managing Director at Janney Montgomery Scott LLC in the firm’s New York Public Finance office. �Mr. Bosch has more than 31 years of experience in the provision of investment banking services to states, municipalities, public benefit corporations and not-for-profit corporations. Mr. Bosch has focused his most recent investment banking efforts on the capital finance requirements of public and independent sector clients in the northeast, with particular emphasis placed on the provision of services to higher education and secondary school organizations.Mr. Bosch previously served within the Public Finance Departments of George K. Baum & Company,� Fleet Securities and Drexel Burnham Lambert. He also served in the public sector of the State of New York. During his nine-year career in the public sector, he served as chief operating officer of the New York State Medical Care Facilities Finance Agency, deputy secretary to the governor for Housing and Community Development and a senior staff member of the Assembly Ways and Means Committee and the Legislative Commission on Expenditure Review. Mr. Bosch holds a Master’s Degree in Public Administration from New York University and a Bachelor’s Degree from Duke University.� The following slide shows a partial list of clients served by Mr. Bosch.