Banco Popular de Puerto Rico

Mark serves as the Executive Director of the White House Council on Strong Cities, Strong Communities, created through Executive Order by President Obama. �The Strong Cities, Strong Communities Initiative is designed to support locally-driven priorities for job creation and economic development, while also strengthening municipal capacity.� Through this work, the initiative improves federal programs by slashing red-tape and better leveraging taxpayer investments. �The initiative has already helped communities more effectively invest nearly $370 million in existing federal funds. �Mark has worked for President Obama in a variety of capacities for more than eight years, most recently serving at the U.S. Department of Housing and Urban Development as the General Deputy Assistant Secretary for Congressional and Intergovernmental Relations, helping to oversee the agency�s legislative, policy and constituent service activities with Congress. �Mark previously worked in the President�s U.S. Senate Office as a Legislative Aide focused on social policy, including homelessness among veterans. �Prior to his work in government , Mark worked and consulted for an international humanitarian organization, Catholic Relief Services (CRS), overseeing economic development and food security grants as well as documenting civic participatory processes in developing countries.� He worked with CRS both in Baltimore and on assignment in South America as well as South East Europe. �Mark received his Master in Public Policy from the Harvard Kennedy School and B.A. in Foreign Languages and International Economics from the University of Kentucky.

Suzanne Finnegan has responsibility for underwriting approval of all transactions for insurance. Prior to joining BAM, she was Executive Vice President at Wells Fargo Bank, N.A., where she was the Senior Credit Officer overseeing credit transactions in the Government Banking segment. From 1990 to 2004, she was the Chief Municipal Underwriting Officer at FSA, responsible for domestic municipal finance underwriting, and was Chair of the Municipal Underwriting Committee. Prior to joining FSA, she was Vice President and Manager of the General Surveillance Department at MBIA and earlier supervised MBIA's Special Tax and Leasing Group. She previously worked in the Public Finance Division of Marine Midland Bank and in the Municipal Research Group at Oppenheimer & Co. Suzanne is a past Chairperson of the Board of Directors of the Association for Governmental Leasing and Finance. She is a member of the National Federation of Municipal Analysts, the Southern Municipal Analysts Society, and the Municipal Analysts Group of New York. She received a Bachelor of Science degree from St. John's University and an M.B.A. from Fordham University.

Sue Kelly has been president and CEO of the American Public Power Association (APPA) since April 2014.� Prior to becoming president and CEO, Kelly was APPA�s senior vice president, policy analysis and general counsel.� In that capacity, she helped APPA and its members in energy policy formulation and with policy advocacy before the Federal Energy Regulatory Commission (FERC), federal courts, and other governmental and industry policy forums.From 1998�2004, Kelly was a principal with the Washington, D.C. law firm of Miller, Balis & O'Neil, P.C. She represented cooperatively and publicly owned electric utilities and their trade associations, as well as other governmental entities, assisting them with restructuring-related issues before the FERC, federal appellate courts, and state public utility commissions.From 1995�1998, Kelly served as the Senior Regulatory Counsel for the National Rural Electric Cooperative Association (NRECA). She represented NRECA before the FERC, state public utility commissions and courts, and served as a liaison from NRECA to many industry groups.� In March 2008 she was appointed to a one-year term on the Department of Energy�s Electricity Advisory Committee, tasked with helping to define a strategy for modernizing the country�s electricity delivery infrastructure, and assisted with the drafting of its final report, �Keeping the Lights On in a New World� (January 2009).� In April 2010 Kelly was elected president of the Energy Bar Association. In November 2010, Public Utilities Fortnightly named Ms. Kelly one of its �Groundbreaking Lawyers of 2010.�Kelly is a frequent speaker on energy-related topics.� She has given presentations to many industry groups, including the National Association of Regulatory Utility Commissioners, the Organization of PJM States, Inc.,�the National Association of State Utility Consumer Advocates, the Energy Bar Association, the American Bar Association, the American Antitrust Institute, the National Council of State Legislatures, the Consumer Federation of America, the DOE-NARUC Electricity Forum, the Electricity Consumers Resource Council, EEI-Energy Daily, EXNET, Platts, Infocast, New Mexico State University�s Center for Public Utilities, the National Rural Electric Cooperative Association, the American Gas Association, and the American Public Gas Association.Kelly earned her J.D. degree with high honors from the George Washington University in 1980, and her A.B. degree in Honors Interdisciplinary Studies and Economics, magna cum laude, from the University of Missouri in 1977.� She is a member of the District of Columbia Bar, numerous federal appellate court bars, and the Bar of the Supreme Court of the United States.

Mr. Usry joined Rosemawr Management after spending 25 years in the municipal bond industry. �He started his career at EF Hutton and JP Morgan in public finance, specializing in the public power and utility finance sectors.�� From 1993 to 2008, he was at Citi Global Markets (and predecessor companies) where he was responsible for issuer derivatives, bond reinvestments and structured credit products. ��From 2003 to 2008 Mr. Usry was a Managing Director and Co-Head of the Municipal Credit and Financial Products Group, with responsibility for all municipal direct lending, letters and lines of credit and derivative and reinvestment products.� �He served as a member of Citi�s Municipal Securities Division operating committee and the MSRB�s standing committee on municipal new products.After leaving Citi in 2008, Mr. Usry was a Managing Director at CapRok Capital with responsibility for municipal sales. ��He also served as an advisor to two of the monoline bond insurers on their liability portfolios and currently serves as an advisor to the Lehman Bankruptcy estate on municipal matters.�Mr. Usry graduated with a B.S. in Accounting and Finance from Clemson University.

Ben Fleming is the senior vice president of power delivery for Santee Cooper, South Carolina�s state-owned electric and water utility. In this capacity, he oversees planning and power supply, design engineering, transmission operations, and transmission technical. Fleming has been with Santee Cooper since 1992 and has served in a variety of transmission and generation capacities including manager transmission operations, superintendent of system substation maintenance, supervisor of mechanical maintenance at Cross Generating Station, and engineer in operations and maintenance at Jefferies and Winyah generating stations. Fleming is a registered professional engineer and a graduate of Leadership Berkeley. He is also an elder at First Presbyterian Church of Moncks Corner and a past president of the Moncks Corner Lions Club, where he currently serves as a board member. Fleming is a 1992 graduate of the University of South Carolina with a bachelor's degree in electrical engineering and a 2002 graduate of The Citadel with a master�s in business administration.

Sarah Engle is a vice president of T. Rowe Price Associates, Inc., and a municipal credit analyst in the Fixed Income Division. Prior to joining the firm in 2012, she was a program examiner and policy analyst at the Office of Management & Budget in Washington, D.C. Sarah also worked as an analyst in the Public Finance Group at Moody's Investors Service.She earned a B.A. in political science and communications from the University of California, San Diego, and an M.P.P. and M.U.P. from the University of Michigan.

Geoff is a Managing Director and the Lead Analytical Manager for the U.S. Public Finance (USPF) Infrastructure Group.� The USPF Infrastructure Group rates obligations secured by revenues generated from water & sewer, solid waste, transportation, public power, electric cooperatives and municipal pools.� Based in Boston, Geoff heads a team located in six offices.From 2005 through September 2010, Geoff served as the Boston office head for Standard & Poor�s Rating Services.�� As office head, Geoff was responsible for strategic planning and the day-to-day operations of the regional office serving New England.�� He also oversaw regional investor relations� activities and managed corporate and government client relations.� Geoff joined S&P in 2000 as a state and local government analyst, focusing on east coast state, county, city and town credits.� Additionally, he was a public finance national sector leader for both state revolving fund/pool issues and pension issues (including other post-employment benefits).��Prior to joining Standard & Poor�s, Geoff served as the CFO, treasurer & collector for the City of Gloucester, Mass.� In addition, he spent three years as the Administrative Officer for the City of North Adams, Mass.�Geoff served on the board of governors of the National Federation of Municipal Analysts (NFMA) from 2009 through 2013, and was the co-chair for the 2012 and 2013 NFMA Annual Conferences.� Currently, Geoff serves as the chair of his town�s Finance Committee.Geoff holds both a B.A. in Political Science and an M.P.A from the University of Massachusetts at Amherst.�

Mr. Moore has over 20 years of investment banking and energy trading experience, specializing in energy derivatives and options trading. He spent his first five years in foreign exchange and fixed income marketing before joining Southern Company�s deregulated power trading subsidiary (SCEM). He left SCEM to start deregulated power trading desks for Columbia Energy and TXU.He holds a BS in Economics from Davidson College and an MBA from New York University�s Stern School of Business.

JASON KISSANE is a managing director at Assured Guaranty (“Assured”) and head of the Western Region based in San Francisco. Jason is responsible for new business generation and general marketing activities for all public finance sectors in the Western Region of the U.S. Jason has over 20 years of experience in public finance and was previously a managing director at National Public Finance Guarantee. Jason started his career at MBIA Insurance Corp. in 1993 and moved to San Francisco in 1997 to open the Western Region office for MBIA. Jason is a past Chairperson of the California Society of Municipal Analysts, where he regularly organized educational and social events for its members. He is also a Board member of the National Federation of Municipal Analysts, as well as the current Co-Chair of the Disclosure Committee. Jason regularly attends and speaks at industry conferences and is active in several sector specific municipal associations. He holds a bachelor’s degree in political science from Manhattanville College in Purchase, NY.