Banco Popular de Puerto Rico

Jim Gallagher is Senior Vice President of Wingspan Portfolio Advisors, a Dallas-based diversified mortgage services company, and is the executive in charge of Wingspan Lender Services, the company�s mortgage processing, underwriting and closing services division.� He can be reached at Jim.Gallagher@WingspanPortfolioAdvisors.com.

David Tallman is a partner at K&L Gates LLP.� Working from the firm�s offices in Dallas, Texas, he has a national regulatory compliance practice, with particular expertise advising companies on federal and state laws regulating consumer financial services, payment systems, advertising and marketing, privacy, and information security.� He regularly assists mortgage servicing clients with regulatory compliance matters, including by structuring operations; drafting policies and procedures; developing compliance management systems and due diligence programs; performing regulatory compliance audits and risk assessments; representing clients in federal and state examinations, investigations and enforcement proceedings; drafting servicing and sub-servicing agreements; and assisting in litigation-related matters.� Mr. Tallman is a frequent lecturer at consumer finance seminars and conferences and recently co-authored the Mortgage Banker Association�s treatise on the new RESPA/TILA Servicing Standards. �

Irene Amato is a mortgage broker and owner of A.S.A.P. Mortgage, Cortland Manor, N.Y. She started the company in 2001, which now has three offices. Amato is also vice president of the New York Association of Mortgage Brokers.

Brian Chappelle is a founding partner of Potomac Partners in Washington, D.C.

Steven Stein is senior vice president of Market & Client Strategy for CoreLogic. He is responsible for the Market & Client Strategy teams in the Global Sales and Client Strategy group. He is responsible for developing and executing strategic vision for the company�s alternative credit businesses, which includes strategy, expanding market share, increasing revenues and maximizing profitability. Steven joined CoreLogic in April 2013. Prior to joining CoreLogic, Steven served in senior executive roles at the industry�s largest lenders and servicers, including CitiGroup, JPMorgan Chase and GMAC, where he managed origination production channels in both retail and wholesale business units. During his tenure at Chase he also developed and managed critical customer-facing functions in default management, and helped lead the development of the company�s modification programs to assist distressed borrowers. During his career, Steven has also served in leadership roles at Washington Mutual Bank, Inc., Prudential Home Mortgage/ Norwest Mortgage and Crossland Savings FSB.

Sam Kaddah is CEO of bFocused, Independence, Mo. His company produces the Liquid Logic LOS, which comes with a robust borrower portal. Sam can be reached at sam.kaddah@bfocused.net.

Mr. Sercy has fifteen years of loan collection experience, with eight of those years managing and running the specialty default collection. He has led & developed this business line that provided collections support services to clients including Citigroup, Fannie Mae, Ford Credit, Honda Motors, Accredited and EMC.In this capacity, he was also responsible for all facets of the business including technology integration, training, operations and business development. Prior to this, Mr. Sercy was at Citigroup responsible for special servicing agents.

Johanna Traynor serves as senior loan officer for Lone Oak Fund LLC, where she leads the firm�s loan origination department.

Corey Hulbert is assistant vice president and head of appraisal business at SLK Global, a business process and software services provider. Corey has 18 years of experience in the appraisal industry. SLK Global focuses on providing BPO services to mid-sized and large financial services organizations in the U.S. banking, mortgage lending, title insurance and other financial services sectors.

Robert Knohl has more than 20 years of experience in the distressed real estate and mortgage industries.� He began his career by acquiring RESS Financial Inc., a mortgage foreclosure business.� He acquired this business in a leveraged buyout, became CEO of the company, turned the company into a highly profitable business and later sold the company. Recognizing the inefficiencies in the distressed mortgage industry that arose out of the paper intensive nature of the business, Mr. Knohl then formed Default Management Network.� This company developed the technology that led to the paradigm shift of the industry towards a paperless environment.� Mr. Knohl sold this company to All Tel in 1993. Following this sale, Mr. Knohl noted that loss mitigation was becoming a focus in the distressed real estate industry and founded NROC, LLC.� Mr. Knohl built out this loss mitigation business and ultimately sold it to Nomura in 2007. Over the past five years, Mr. Knohl has focused on developing a premier distressed financial service sector "eco-system", utilizing all of his experience with REO.com and his experience in foreclosures, loss mitigation and the technology necessary to support these businesses. Mr. Knohl's core strengths include entrepreneurial vision, identifying complementary distressed real estate businesses that are undervalued, acquiring those businesses and improving their profitability and utilizing technologic advances to enhance PPM�s businesses. Mr. Knohl received a Bachelor's Degree in Political Science, with a minor in Economics, from the University of Southern California.� He is a member of numerous industry organizations and is a member of the boards of several non-profit companies.