Banco Popular de Puerto Rico

Steve Wiser is CEO of Cleveland-based Specialized Business Software, a provider of custom software solutions for insurance, mortgage and financial services companies.

Mr. Rollins is a Managing Principal and Co-Founder of JCR. In addition to leading the firm and setting JCR�s overall strategy, Mr. Rollins� day-to-day responsibilities are primarily focused on transaction sourcing and underwriting. From 1999 to 2005, Mr. Rollins was a Managing Director at GMAC Commercial Mortgage, where his team focused on making opportunistic loans to transitional multi-family, retail, office, land and industrial properties. Prior to GMAC, Mr. Rollins was the President and Founder of Eastern Realty Corporation, an �RTC era� real estate investment company. As General Partner, Eastern Realty resolved, repositioned and sold the distressed notes and REO. These disposition efforts included debt restructurings, bankruptcy, litigation and development, as well as note and property sales. Mr. Rollins is a frequent speaker and guest lecturer on the topic of real estate finance at Universities. Additionally, he has written numerous articles on the topic of commercial real estate finance. In July 2007, his article �As Good As It Gets� was published in the National Real Estate Investor calling the top of the market. Mr. Rollins holds an MBA, specializing in Finance, from George Washington University and a BS in Finance and Marketing from Virginia Tech.

Mr. Hermelee is a principal and founder of Banc of Manhattan Capital and is a member of its management committee. Prior to joining the firm Mr. Hermelee was Executive Vice President of the investment banking subsidiary of the 10th largest U.S. bank, serving as a member of the start-up team as well as a leader in the organization for over ten years. Mr. Hermelee has also served as Senior Vice President at a boutique mortgage investment bank, where he helped establish one for the first electronic trading platforms for mortgage servicing assets. In addition, he has worked as a Director of one of the largest mortgage servicing hedging advisory practices, working with the largest savings and loans and mortgage companies in the U.S. Mr. Hermelee began his career at the Securities and Exchange Commission. Mr. Hermelee has a B.S. in Business at the University of Michigan.

Sue is a senior banker and responsible for client relationships and transaction execution for private label residential mortgage loan securitizations and structured lending facilities at Wells Fargo Securities, LLC in New York City. During her tenure at Wells, her primary focus has been the financing and securitization of non-performing and re-performing mortgage loans. Prior to her current position, Ms. Valenti was a Director of Residential Mortgage Securitization at Deutsche Bank Securities focused on the securitization of mortgage related products purchased and held by the mortgage trading desk. Her 28 year career in the industry has focused on the financing and securitization of both residential and commercial mortgage loans. She has worked at a number of firms including Bear Stearns, MBIA Insurance Corp., GE Capital, ContiFinancial and CS First Boston. Sue began her investment banking career at Salomon Brothers Inc as an analyst in the Mortgage Finance/Financial Institutions Group. Sue is a 1984 graduate of Bucknell University and holds a Bachelor of Science in Mathematics.

Alan Rabideau is the chief information officer at Residential Finance. He directs all of Residential Finance�s technology, telecommunications, wide and local area networking, desktop and applications support, IT security and disaster recovery, and records management. Since joining the company in 2004, Rabideau has directed the implementation of continuous innovations to enhance efficiencies that support the company�s growth.

James Harrington currently serves as Managing Director for Resurgent Mortgage Servicing and is responsible for third party sub-servicing and new business development for the mortgage servicing business. Mr. Harrington has over 19 years of industry experience. Prior to joining Resurgent, Jim was a Managing Director at Fortress Investment Group, and spent over nine years at Lehman Brothers, where he was a Senior Vice President in the Structured Products Finance and Trading business. During his tenure at Fortress, Mr. Harrington served in leadership positions in several industry groups including the Association of Mortgage Investors and the ASF.Mr. Harrington received an M.B.A from Fordham University in 1998.

Scott K. Stucky is the chief operating officer for DocuTech Corp., a provider of mortgage loan documents, compliance services and technology solutions for the mortgage industry. Founded in 1991 and headquartered in Idaho Falls, Idaho, DocuTech provides document preparation services in all 50 states. As chief operating officer, Stucky oversees the day-to-day operations of DocuTech including product management, information technology, development, compliance, professional services and client relations. Stucky previously served as executive vice president for DocuTech where he was responsible for all sales and marketing initiatives, and also managed a national sales team that provided DocuTech�s document and compliance services to the mortgage industry. Prior to joining DocuTech, Stucky gained financial industry experience working for companies ranging from ALLTEL Information Services to Brookfield, Wis.-based Fiserv. He served in a multitude of management roles including sales, business development, operations, implementations and product management over the course of his career.�His industry experience ranges from consumer and mortgage loan origination to loan servicing, collections, recovery and loss mitigation.�He owns a business development/sales consulting firm and is a frequent public speaker on the local, regional and national level.

Beth O�Brien is head of the residential capital markets group for Auction.com and President of AuctionFinance.com. Her responsibilities include running an investor bridge loan program, heading the residential note sales platform and overseeing coverage of institutional investors in residential mortgages and property. Beth has spent over 18 years in the real estate business both as a principal and as an advisor. Prior to Auction.com, Beth spent five years in the RMBS trading and securitization group at Citi predominantly on the Scratch and Dent desk and almost ten years at Goldman Sachs & Co. in the Real Estate Principal Investment Area in New York and Hong Kong. Beth also practiced law at Latham & Watkins in New York.