Banco Popular de Puerto Rico

Mark is a Managing Director and Manager of the Municipal Credit Analytics Group of Citigroup Global Markets Inc.� In addition to managing the Credit Analytics group on the trading desk, he is responsible for following industry trends and US municipal credits in the general government, project finance, municipal utilities, and high yield sectors.� Additionally, Mark supports the Municipal Securities Division’s secondary market trading and serves on the firm’s municipal credit and risk committees. Mark is a Municipal Principal and a Supervisory Analyst.� He is former chairman of the Bond Market Association’s Credit Research and Strategy committee as well as a member of the Society of Municipal Analysts.� He has been recognized for his expertise and industry contributions by the National Federation of Municipal Analysts and he and his group are consistently named as analytic leaders by institutional investors and the financial press.Prior to joining Citigroup in 1994, Mark was a Director in the Project Finance and Municipal Utility Groups within Standard & Poor's Ratings Group.� Mark also worked in production management with American Cyanamid Corporation.� Mark is a graduate of University of Delaware with a Bachelor's of Chemical Engineering and has a Master's degree in Business Administration from Seton Hall University.��

Ms. Boicourt is a seasoned public finance professional with over 25 years of experience. She has assisted states, state agencies and municipalities with taxable and tax exempt public and private offerings along with a wide spectrum of credits and structures.� Renee provides transactional and strategic advice on numerous assignments and is a frequent speaker before industry conferences and seminars. Renee has testified before Congress and state legislatures regarding public finance issues. Prior to joining Lamont, Renee served as Managing Director for High Profile Ratings at Moody’s Investors Service, where she managed ratings for the fifty states, the U.S. territories, the largest cities, as well as airports, surface transportation, and utility issuers. Ms. Boicourt also worked for seven years with the City of New York, where she was responsible for tax revenue forecasting and tax policy, first with the city’s Department of Finance, and later with the Mayor’s Office of Management and Budget.Ms. Boicourt has a B.A. in Economics and a Masters in Public Policy, both from the University of California at Berkeley.

Michael Stern has served in dual business and legal roles for four New York City Comptrollers. He has represented the Comptroller’s Office in connection with the negotiation, review and approval of over $100 billion of debt and $3 billion of swaps for New York City and several related bond-issuing entities. He has represented the Comptroller on several boards, including the Board of Directors of the New York City Transitional Finance Authority, the Sales Tax Asset Receivable Corporation, TSASC, Inc. (the City’s tobacco securitization entity), the Fiscal Year 2005 Securitization Corporation, the New York City Industrial Development Agency and the New York City Banking Commission. He has served as chairperson of several audit and finance committees. He has spoken about New York City’s myriad financing programs, derivatives, stadium financing and related issues with foreign finance officials, at conferences, at investor road shows and at rating agency presentations.Prior to joining the New York City Comptroller’s Office, Michael worked as a lawyer at Brown & Wood (now Sidley Austin) and Hawkins, Delafield & Wood. Michael received his B.A. degree cum laude from the University of Pennsylvania and his law degree from the Boston University School of Law. ��

Mark Dombroski is the Deputy General Manager, Chief Financial and Risk Officer for Austin Energy, a municipally-owned electric utility serving 460,000 customers in the greater Austin, Texas metropolitan.� Mr. Dombroski He began his financial career with two of the “Big 4” accounting firms, Price Waterhouse, LLP and KPMG, LLP in Houston and Seattle, Washington. He also served as the Director of Finance for Seattle City Light.� Mr. Dombroski served as an Officer in the United States Marine Corps after earning his undergraduate degree from The University of Texas at Dallas. He earned his Master of Public Administration from Seattle University.

Keith Phillips joined the Federal Reserve Bank of Dallas in January 1984. His areas of concentration include regional economics and economic forecasting. Research Papers in Economics, which tracks publications in economics, ranks Phillips in the top five percent of economists across the world in terms of the number of distinct publications. Over the past sixteen years he has been the most accurate forecaster for Texas job growth in the Western Blue Chip Economic Forecast.In August, 1996, Phillips was transferred to the San Antonio branch in an effort to improve the regional economic coverage of the Dallas office and to better serve the needs of the South Texas community. Phillips teaches courses in managerial economics and quantitative analysis in the Executive MBA program at UTSA. He obtained his Ph.D. in economics from Southern Methodist University and holds a B.A. and M.A. in Economics and a Bachelor of Journalism degree in News/Editorial from the University of Missouri at Columbia.

Elizabeth Reich began her service as the City of Dallas’ Chief Financial Officer in September 2016.� In this role, Elizabeth is accountable for the financial policy and operations of the Nation’s 9th largest city, with a budget of over $3 billion.� Currently, Elizabeth is working to save the Dallas Police and Fire Pension, which after years of mismanagement, risky investments, and expansions of already generous features, faces a massive funding shortfall.� See SaveThePension.com for a video and more information.� Prior to joining the City, Elizabeth enjoyed a 16-year career with the Social Security Administration, including serving as its Chief Financial Officer in 2015.

Dan is a Senior Vice President and is a member of Moody’s Global Project & Infrastructure Finance Group. Dan is lead analyst on 40 of the Nation’s largest public power electric and gas utilities. He has been a credit analyst at Moody’s for 30 years. Prior assignments included lead analyst for Canadian ratings and as a generalist, public finance ratings in the U.S. Southern Region and GreatPlains region.Dan worked previously as a legislative assistant for a U.S. Congressman, including on matters before the Interstate and Foreign Commerce Committee and the Health and Environment Subcommittee. Dan served on his community’s governing board for 18 years and served four terms as mayor of Cranford Township, New Jersey.Dan holds a bachelor’s degree from Boston University and an MPA from Rutgers University. Dan completed the Leadership for the 21st Century Program at the Kennedy School of Government.Dan has given numerous speeches on public power credit quality including before the American Public Power Association, Bond Buyer, Municipal Analysts Group of New York, Bond Market Association and the National Federation of Municipal Analysts.Faculty Member, University of Idaho Utility Executive Program, 2003-2009-Rating U.S. Electric CompaniesFirst Team, Smith’s Research and Gradings All Star US Municipal Bond Analysts Award (Power) 2003-2014; Institutional Research Magazine Top Utility Analyst, 1999.

Kevin Twining is a partner in the Public Finance Section of the Dallas office of Locke Lord LLP.� Mr. Twining has substantial experience in municipal and corporate debt and equity financings, public private partnerships (P3s), government contracts, corporate governance and derivative transactions.� He represents governmental agencies, underwriters, credit enhancers, trustees, non-profit corporations and developers in taxable and tax-exempt bond financings in wide variety of industries, with a special emphasis on transportation, higher education and conduit bond issues.

Jody Richardson is Of Counsel at Allen Boone Humphries Robinson (ABHR), focusing on public finance and urban development.� She assists in creating special districts which provide water, sewer, and drainage services and economic development. Jody represents tax increment reinvestment zones, municipal management districts, and provides counsel to clients regarding other financing mechanisms to facilitate urban development and the financing of public infrastructure.Jody also provides advocacy services before the Texas Legislature and has represented clients in every regular session since 1983.Education and Professional Background. University of Texas at Austin, Bachelor of Journalism, 1971; University of Texas School of Law, J.D., 1980.Jody has been a partner at Brown McCarroll, and Akin Gump Strauss Hauer & Feld, and an associate at Vinson & Elkins.

Jim is the Treasurer for the Lower Colorado River Authority.� LCRA provides public power, manages the lower Colorado River and builds and operates transmission infrastructure across the state. Jim oversees the organization’s treasury, financing, debt management, capital planning and commodity risk oversight activities.�� During his career at LCRA he has also directed the accounting and financial planning functions.� Prior to joining LCRA, Jim held various financial positions at Tenneco Inc., an international energy and manufacturing company.�Jim graduated from Texas A&M University with a Bachelors in Accounting and earned a Master of Business Administration from University of Texas at Austin.� Jim is a certified public accountant.