Banco Popular de Puerto Rico

Melissa Dykes has served as Chief Financial Officer since March 2013. She provides leadership to ensure the financial health of JEA, resulting in access to capital at low cost for JEA�s customers. She is responsible for all aspects of JEA�s finances, including treasury, financial reporting, budgeting, supply chain management, and shared services. She has lead responsibility for ensuring compliance with all reporting, regulatory and tax requirements for JEA.Prior to joining JEA as Treasurer in 2012, Melissa was CFO at NTE Energy, a portfolio company of a large energy private equity firm. She also was a principal in a renewable energy development company, and Vice President of Investment Banking at JPMorgan. During her career, she has been responsible for over $26 billion in new debt issuance, including financings for many municipal electric and water systems across the country. Melissa is a graduate of the University of Florida.

Linda Murphy is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Associates, Inc. She is a credit analyst and team leader on the municipal research team in the Fixed Income Division. Prior to joining T. Rowe Price in 1998, Linda was employed as a consultant for Ambac Assurance Corporation. She also worked for Connie Lee Insurance Company, a municipal insurance provider. Linda earned a B.S. and an M.B.A. in finance from the University of Michigan.

John Jordan is a managing director and senior member of the Portfolio Surveillance team covering the Western Region. Prior to his current position, Mr. Jordan was the Utilities Sector Manager of National Public Finance Guarantee Corporation responsible for National�s relationships with utility credits including electric and gas utilities, as well as water and wastewater enterprises. He was responsible for all relationship activities including marketing, underwriting, pricing and portfolio management for the utilities sector. Previously, Mr. Jordan was a managing director and senior transactor in the Corporate and Municipal Utilities Group of MBIA Insurance Corporation. Mr. Jordan joined MBIA in 2002 as a new business transactor and subject matter expert for U.S. Investor Owned Utilities. His initial contribution was setting forth an acceptable new business strategy for IOUs following the credit downturn in that sector. Subsequently, he expanded his activities to include U.S. municipal, public power and prepay transactions as well as utility and energy project finance globally. Mr. Jordan also has significant experience with rating agency capital models, pricing strategy and was very active in the 2008 restructuring of MBIA�s insured variable rate debt portfolio.His energy experience includes ten years of corporate and investment banking at Bank of America which was preceded by eight years of general corporate lending experience at The Bank of New York. He received his formal credit training at The Bank of New York and held a variety of finance positions at predecessor companies of J.P. Morgan Chase.Mr. Jordan has an undergraduate degree in business administration from the University of Notre Dame and holds an M.B.A. from Fordham University.

Mr. Lyman Wray is a Senior Vice President of Stephens Inc., in Atlanta, GA and has 27 years of banking experience. He is the resident expert on water and sewer utility financings for Stephens in Georgia and the Carolinas. Mr. Wray has advised or managed transactions for issuers such as Union County, NC, the City of Columbia, SC, the City of Spartanburg Sanitary Sewer District, Palm Beach County, FL, and many others. He has participated as banker or financial advisor on over 200 transactions with a par amount in excess of $5 billion for issuers in the southeast.

Mr. Lamb founded Lamont Financial Services Corporation in 1987. Lamb�s expertise lies in developing new financial products for clients by reconciling a variety of competing program, financial and administrative policy goals. Mr. Lamb is also in charge of the Firm�s derivative practice. Mr. Lamb has been involved in tax-backed and revenue bond financings totaling over $155 billion, largely for infrastructure projects, governmental operations, state revolving funds, and economic development projects. Mr. Lamb recently served on the MSRB Board of Directors as a municipal advisor representative from 2010 - 2013. He has worked with states, state agencies and municipalities to orchestrate taxable and tax exempt public and private offerings within a wide spectrum of ratings, credits, structures and applications.Mr. Lamb holds a bachelor�s and master�s degree from State University of New York-Albany.

Keith Monahan is Director of Tower Acquisitions at Crown Castle, one of the country�s largest independent owners and operators of shared wireless infrastructure.� Recently completed transactions include a 70 tower purchase from CPS Energy in January 2014.� Prior to joining Crown Castle in 2004, Keith was finance project manager at Avon Products.� He graduated from Manhattan College with a B.S. in Accounting and is a Certified Public Accountant.

Sheryl Parsons has served as the State Revolving Fund Coordinator, assisting states with water and waste water infrastructure funding, since 1992. �She coordinates both the Clean Water and Drinking Water Needs Survey for Region 4. �She has served as a management analyst in the Office of Civil Rights and as a special assistant for the Water Protection Division director.� Most recently, she has served as the acting section chief for the Finance and Cost Recovery Section.�� She has a Masters in Business Administration from Georgia State University, where, since 1992, she is a part time instructor in the Robinson College of Business Department of Managerial Sciences.�� In her spare time, Sheryl is a tour guide at Atlanta�s Historic Oakland Cemetery, and portrays Margaret Mitchell for Atlanta Movie Tours.

Christopher Morgan is a Director in the Local Government group at Standard & Poor�s Credit Market Services.� Based in San Francisco, Chris conducts credit analyses of public issuers throughout the Western U.S., including cities, states, special taxing districts, and school districts.� A native of Seattle, he has authored articles on municipal credit trends in Washington and has served as the primary analyst for the states of Idaho, Oregon, and Washington.� Recent local government credits on which he has worked include Ellensburg, King County, and Moses Lake.Prior to joining Standard & Poor�s, Chris analyzed housing and commercial markets as a consultant to local governments and nonprofits, and evaluated real estate locations and market strategies for retail firms.� He holds a Master of City Planning from U.C. Berkeley and B.A. in geography from MacalesterCollege.