Banco Popular de Puerto Rico

Dennis M. Coleman has 31 years of municipal finance experience with over 21 years of finance and accounting experience in redevelopment. He has coordinated 25 bond issues totaling over $415 million.Mr. Coleman currently serves as the Manager of Finance and Customer Service for the Indio Water Authority which is part of the City of Indio. Mr. Coleman previously served as the Finance Manager/Treasurer for the Elk Grove Water District. From September 2011 until July 2014 when he joined the Indio Water Authority.Mr. Coleman served as the Finance Director for the City of Solana Beach from 2005 to 2011. In addition, Mr. Coleman worked for the City of Palm Desert and served in multiple positions during his 13 years of employment with the City. He was responsible for the Redevelopment Agency and Housing Authority's annual budget, revenue projections, capital projects financing and debt management.Mr. Coleman attended Alliant International University (USIU) in San Diego where he received his B.S. degree in Business Administration.

Guillermo Garcia has served California municipal utilities for over 13 years as an investment banker, financial advisor, and consulting engineer.� He is a Director in Stifel�s San Francisco office and leads the firm�s efforts serving California water, sewer, and power utilities. Guillermo serves a wide variety of issuers, from many of the state�s largest utilities to a number of small city-owned enterprises. He received a BS in Geochemistry, an MS in Civil/Environmental Engineering, and an MBA from Stanford University.

Karen Daly is a Senior Managing Director of the Public Finance and Financial Guaranty groups at Kroll Bond Rating Agency, Inc. Karen brings over 25 years of municipal credit research and risk management experience to her role. She was previously Chief Public Finance Underwriting Officer at Municipal Infrastructure Funding, LLC, a de novo municipal bond guarantor. Prior to that, Karen held several positions at Financial Guaranty Insurance Company (FGIC), including Managing Director of the Eastern Region and Senior Risk Manager. Karen started her career in public finance at Moody�s Investors Service as an analyst. She holds an MPP from the University of Michigan and a BA from Queens College.Karen has been a trustee of the Citizens Budget Commission for over 20 years, and served as the Co-Chair on both the Budget Policy Committee and the Debt and Capital Investment Committee. In addition, she has been on the board of the Municipal Forum of New York and was the Association of Financial Guaranty Insurers (AFGI) representative on Governmental Accounting Standards Advisory Council (GASAC).�

Peter Bartlett is a Managing Director at Citi and Co-Head of Capital Markets for the Municipal Securities Division.�Peter has managed the trading and sales operation for Citi for over 20 years.�� Citi�s Municipal Capital Markets franchise employs over 100 professionals across sales, trading,� retail and relative value trading functions.�� Citi�s capital markets business has over $33 billion in capital committed to U.S. municipal clients.� In 2013, Greenwich Survey ranked Citi�s municipal sales and trading operation the best in the industry; moreover, Citi�s municipal franchise was ranked #1 for sales & trading in the most recent �Institutional Investor Magazine survey.���Peter graduated from Princeton University in 1977 with a degree in Politics and Economics and resides in Palos Verdes, CA with his wife and three children.� ���

John Augustine, Managing Director, leads the Higher Education and Academic Medical Center Finance Group at Barclays. Mr. Augustine works with clients to provide strategic investment banking services. A Fulbright Scholar at Oxford University, Mr. Augustine holds a BA from Wheaton College, a PhD from the University of Minnesota, and an MBA in Finance from Yale.

Jerry Facendola joined The Bank of New York Mellon in March, 2002 and currently manages the domestic Default Administration Group.� He worked on and negotiated numerous restructurings of public, corporate and structured finance debt issues including Jefferson County, AL, Energy Future Holdings and Residential Funding Company.� He has served in various managerial capacities including leading the Municipal Mid-Atlantic Unit and the Dealing & Trading Unit of Corporate Trust.� His vast experience has exposed him to a wide arrange products such as public finance debt issues, secondary insurance, auction rate securities, derivative debt issues and tender option bond programs. �Jerry has more than 28 years of corporate trust experience.Jerry received his MBA from the University of Texas at Arlington in 1993 and his undergraduate degree from Boston University in 1985.

Dennis Reilly is the Executive Director of the Wisconsin Health and Educational Facilities Authority (WHEFA), a conduit issuer of tax exempt bonds for all Wisconsin 501(c)3 nonprofit organizations.Mr. Reilly has been the Executive Director at WHEFA since 2012. He began his career with WHEFA in 1996 and most recently served as the Associate Executive Director. Mr. Reilly received his bachelor�s degree with a finance major and economics minor from the University of Wisconsin Milwaukee and a master�s with an emphasis in finance from the same institution.In the past 18 � years with WHEFA, Mr. Reilly has been involved in the structuring and issuance of approximately 500 bond issues totaling over $16.0 billion.Mr. Reilly currently serves as a Board Member of the National Association of Health & Educational Facilities Finance Authorities (NAHEFFA) also serves on numerous committees of NAHEFFA.

Betty T. Yee represents the First Equalization District and its 21 counties in northern and central California, home to 9 million Californians and many of the state's most prominent industries, including biotechnology, health care, high-tech, finance and tourism. Board of Equalization members constitute the nation’s only elected tax commission.�Ms. Yee has 30 years of experience in public service, specializing in state and local finance and tax policy. A native of San Francisco, Ms. Yee received her bachelor’s degree in Sociology from the University of California, Berkeley, and her master’s degree in Public Administration from Golden Gate University, San Francisco. �