Banco Popular de Puerto Rico

Prior to founding Melio & Company, and from 1997 � 2009, Mark Melio had been an investment banker with J.P. Morgan Chase & Co. From 2006 � 2009, Mark served as Head of Investment Banking for J.P. Morgan's Tax-Exempt Capital Markets Group. In this capacity, he directed all of the investment banking services that J.P. Morgan provided to its state and local government, energy, transport, housing, healthcare, higher education and other not-for-profit clients. Prior to this position, Mark was the head of J.P. Morgan�s not-for-profit healthcare, higher education, cultural and mid-tier investment banking groups. Before joining J.P. Morgan, Mark spent nearly 10 years in the healthcare and higher education investment banking group at Goldman Sachs & Co. In the early to mid 1980�s, Mark was a healthcare consultant and auditor with Touche Ross & Co. (now Deloitte).Mark received an M.S. in Management & Policy Analysis from Carnegie-Mellon and a B.S. in Economics from the Pennsylvania State University. He is a Certified Public Accountant. Mark is also a FINRA Registered Securities Principal, Municipal Principal, and a Financial and Operations Principal. He serves on the Investment Subcommittee for Trinity Health, and on the board of Fenix Clinic.Mark is based in Chicago. He can be reached at 847.441.2900, and can be contacted via email at mark@meliocompany.com.

Mr. Kirschner joined UnityPoint Health in 2013 after spending 14 years in investment banking with Morgan Stanley and JPMorgan. Prior to banking, he spent 4 years at Ernst & Young in management consulting. He received his bachelor's degree in Psychology from the University at Albany, in Albany, New York and a master's degree in Business Administration from the Columbia Business School in New York City, New York.� Mr. Kirschner is currently responsible for all Treasury funcitons at UnityPoint Health including debt, investments, and cash management.

Mark is VP of Municipal Development at Renovate America where he has created the government relations outreach to bring HERO Financing to local governments.Prior to Renovate America Mark was a partner in Western Blue, a government systems integrator. Mark was instrumental to leading the company to acquisition by one of the nation�s integrators.Mark spent several years in the secondary market division of Countrywide Wholesale before the crash of the FHLB banking system in 2008.Mark studied at Sierra College in Northern California.�

Sutirtha Bagchi holds a Ph.D. in Business Economics from the University of Michigan's Stephen M. Ross School of Business. He earned his undergraduate degree in Chemical Engineering at the Indian Institute of Technology and an MBA from Purdue University's Krannert School of Management where he graduated as a Krannert Scholar. Prior to joining his PhD program, Sutirtha worked as a management consultant at McKinsey & Company out of their Pittsburgh office where he consulted for clients in the consumer packaged goods and retail space.Sutirtha's fields of study are public finance, political economy, labor economics, and regulation. In recent work, he has examined the fiscal health of public-sector pension plans for municipal workers in Pennsylvania and the role that political competition plays in impacting the funding and generosity of these plans. Sutirtha will be starting off as an Assistant Professor of Economics at Villanova University beginning Fall 2014.

Sean Wilkoff received his Ph.D. in Finance and Real Estate at the University of California at Berkeley in May of 2012. He currently works at the Securities and Exchange Commission in the Division of Economic and Risk Analysis focusing on municipal bond market and ABS regulation.

Eric Garcetti is the 42nd Mayor of Los Angeles. His "back to basics" agenda is focused on job creation and solving everyday problems for L.A. residents. Garcetti was elected four times by his peers to serve as President of the Los Angeles City Council from 2006 to 2012. From 2001 until taking office as Mayor, he served as the Councilmember representing the 13th District which includes Hollywood, Echo Park, Silver Lake, and Atwater Village - all of which were dramatically revitalized under Garcetti's leadership. Garcetti was raised in the San Fernando Valley and earned his B.A. and M.A. from Columbia University. He studied as a Rhodes Scholar at Oxford and the London School of Economics and taught at Occidental College and USC. A fourth generation Angeleno, Eric lives in Silver Lake with his wife and one-year-old daughter. He is a Lieutenant in the U.S. Navy reserve and is an avid jazz pianist and photographer.

Alan Gibson has been a director in Fitch Ratings' U.S. public finance group for seven years, with a focus on tax-supported credits in the western region. He has analyzed numerous bonds issued by a wide variety of public sector agencies in Alaska, California, Hawaii, Utah, and Washington using various security structures.Before joining Fitch, Alan was a principal analyst in the Harvey M. Rose Accountancy Corporation, the contracted budget analyst and auditor for the City and County of San Francisco Board of Supervisors and the Santa Clara County Board of Supervisors, California. In that position, Alan worked on budget and legislative analysis, and management audits. Prior to coming to the U.S. to complete a Masters of Public Administration at San Francisco State University, Alan held a variety of policy and corporate management positions in the New Zealand public service.

William C. Fallon is the chief executive officer of National Public Finance Guarantee Corporation. He oversees all financial guarantee insurance activities for municipal bonds, tax-exempt debt and infrastructure finance. Mr. Fallon is also president and chief operating officer of MBIA Inc. responsible for day-to-day operations of MBIA Inc. and its subsidiaries. Previously, Mr. Fallon was head of Global Structure Finance having joined the Company in 2005 as a managing director and head of Corporate and Strategic Planning. Prior to MBIA, Mr. Fallon was a partner at McKinsey & Company, where he specialized in consulting with financial institutions and was co-leader of the firm's Corporate Finance and Strategy practice and a key member of the North American Wholesale Financial Institutions and Risk Management practices. He also worked extensively with financial institutions in the areas of value-based management, valuation, mergers and acquisitions, securitization and risk management.

Douglas Offerman is a senior director in Fitch Ratings� public finance states group. Doug was previously a financial consultant for several large, health care-related nonprofit organizations in New York City, and a research analyst for New York budget and operational issues at the Citizens Budget Commission. Prior to that, he worked on democracy-building programs for the U.S. Information Agency in Washington, D.C., and he began his career working in economic development for the State of California.Doug earned a BA in History from U.C.L.A. and an MBA from Columbia Business School.

James Nadler is the President and Chief Operating Officer of Kroll Bond Rating Agency, Inc. Prior to joining Kroll, James was the Vice President for Corporate Development at General Re in the New England Asset Management Division. At General Re, James helped create a new platform for trading, settlement and reporting. His expertise in research and analytics at General Re was instrumental in maintaining client relationships while generating new revenue. Over the last two decades, James has held several roles in the world of financial analysis, working for mainstays in the ratings industry as well as independent research firms. As Executive Vice President at FitchRatings, he was responsible for strategy, budgets, hiring, product development, and credit rating criteria for the Structured Finance Group, which he led. He began his career as a senior accountant at PricewaterhouseCoopers and then became a ratings officer at Standard & Poor's. He received a B.A. in Economics from the University of Kansas and an M.B.A. from Rutgers University.