Banco Popular de Puerto Rico

Thomas Lin holds a Senior Vice President position in the National Mortgage Outreach division of Legacy Asset Servicing at Bank of America.In this role, Lin oversees neighborhood stabilization efforts for Bank of America including the development and implementation of community revitalization partnerships in hardest hit cities across the country negatively impacted by the increase in foreclosures and vacant and abandoned properties. In addition, he is responsible for managing Bank of America’s property donation program and working with city, state, and non-profit organizations in the development of innovative community revitalization strategies.

Ronald Friedman has been a Managing Director of CAMG since its inception. CAMG Invests and manages pools of assets with a concentration in performing second mortgages.� �Mr. Friedman is a seasoned professional with over 20 years of mortgage banking experience with a concentration in the origination, servicing and selling of mortgages in the secondary market.Mr. Friedman�s professional career began in 1987 with Deloitte LLP (formally Deloitte & Touche) as a Sr. Accountant. In 1989, he incepted a mortgage bank in which he owned and operated a national multi branch operation which within five years was funding over 5000 transactions a year. The company also has a separate residential rehabilitation division which Mr. Friedman personally managed. This division acquired and resold foreclosure properties on behalf of investors. They funded over 3000 transactions within that time period.In 2006, Mr. Friedman began to divest his interest elsewhere to begin the launch of CAMG. Mr. Friedman received his undergraduate degree in accounting from George Washington University and is a certified public accountant.

Cheryl L. Burm is the managing attorney of the Ft. Lauderdale, Florida office. She practices in the Real Estate Default Group of Weltman, Weinberg & Reis Co., LPA, focused on foreclosure and eviction services. Cheryl earned her B.S. from the University of Buffalo in 1996, and her J.D. from St. Thomas University School of Law in 2001. In addition, she earned an LL.M. in Taxation from the University of Miami School of Law in 2003. A member of the American, Florida, Broward County and Dade County Bar Associations, Cheryl is licensed to practice before the state courts in Florida and is admitted to practice in the U.S. District Court (Northern and Southern Districts of Florida).Weltman, Weinberg & Reis Co., LPA, celebrating over 80 years of experience, provides comprehensive bankruptcy, consumer and commercial collections, litigation and real estate default services to creditors throughout the United States, including major banks & financial institutions, mortgage lenders & servicers, commercial creditors, government entities, insurance companies, manufacturers, credit unions, service organizations, medical and utility companies. Recognized as the largest creditors’ rights law firm in the nation, as ranked by Collections & Credit Risk magazine, WWR’s practice areas include bankruptcy, collection services, corporate & financial services, legal action recovery, litigation & defense, probate, real estate default (foreclosure, eviction, title & REO) and subrogation. The firm has five Ohio offices in Brooklyn Heights, Cincinnati, Cleveland, Columbus, and Grove City, along with offices in Detroit, MI, Philadelphia, PA, Pittsburgh, PA, Chicago, IL and Ft. Lauderdale, FL.

Andrew Jakabovics is senior director for policy development and research at Enterprise Community Partners, a national nonprofit organization that creates opportunity for low- and moderate-income people through fit, affordable housing in diverse, thriving communities. Mr. Jakabovics oversees a team researching issues related to foreclosures and neighborhood stabilization, housing finance reform, affordability for renters and owners, and broader housing supply and demand concerns. Prior to joining Enterprise, he served as senior policy advisor to the assistant secretary for policy development and research at the U.S. Department of Housing and Urban Development, where he provided policy recommendations and analysis to the assistant secretary, secretary, and other senior staff both within HUD and across agencies. His primary focus was on housing finance reform, with a particular eye towards issues of access and affordability. In addition, he devoted attention to foreclosure prevention through improving opportunities for modifications and to mitigating foreclosure impacts on neighborhoods and communities. Prior to joining HUD, Mr. Jakabovics served as Associate Director for Housing and Economics at the Center for American Progress, where he authored some of the earliest policy responses to the foreclosure crisis, including proposals for mortgage restructuring, foreclosure mediation, and REO rental. Mr. Jakabovics has testified before Congress and has appeared frequently in the media, primarily for his research on the housing crisis and potential policy solutions.

Rob Colbeck is senior vice president of information technology at Tampa, Fla.-based property preservation firm Mortgage Contracting Services.

James T. Sartain is President and Chief Executive Officer of FirstCity, and also serves on the Company’s Board of Directors. Sartain joined J-Hawk Corporation [predecessor of FirstCity] in 1988, serving as Chief Operating Officer and President. In 1995, he assumed a Director’s role; and he has served as Chief Executive Officer since 2001. Sartain has overseen all aspects of the Company’s investments and operations for over 20 years, and has led FirstCity’s successful expansion into national and international markets; building strong relationships with capital and financing partners; and investing in a wide variety of asset classes. He has also forged the establishment of the company’s many successful business venture subsidiaries, such as Drive Financial Services, American Business Lending, and FirstCity Crestone. FirstCity and its subsidiaries currently manage a $12.5 billion portfolio, employing over 1,200 people in 6 different countries. Sartain has over 37 years of experience in the financial services industry. Prior to 1988, Mr. Sartain spent 17 years in executive management roles in commercial banking in Texas. Mr. Sartain holds a BBA degree from Baylor University, as well as a Certificate of Banking from the Graduate School of Banking of the South at Louisiana State University; where he also serves as an instructor.

Joy Gendusa is the owner and CEO of direct-mail marketing firm PostcardMania. It started as a full-service company helping clients create turnkey campaigns with graphic design, printing, mailing list acquisition and mailing services. For more information, go to www.postcardmania.com.

Dan has 20 years experience in finance, economic policy, and corporate strategy. He formed Center Creek Capital Group in 2011 to focus on the REO-to-rental opportunity. Previously, he was Director of Investments for Lone Star Funds, a $30B private equity fund specializing in distressed debt, where he opened their Washington DC office in 2009. Dan previously worked as an investment banker and a Director of Corporate Development at Capital One, where his deals included the $14B acquisition of North Fork Bank. He has published papers on economics and business policy, and spoken at Harvard Business School, George Washington University School of Business, and numerous industry conferences. He serves on the Board for DC Scholars, a public charter school in Washington DC.Dan has a BA in Ethics, Politics, & Economics from Yale and an MBA in Finance from the Wharton School of Business.

Tad Philipp is Director of Commercial Real Estate Research at Moody's Investors Service. Prior to re-joining Moody's in March 2011 he was Chief Risk Officer of CW Financial Services (a special servicer, lender and investment manager) as well as head of its CW Risk Management Solutions advisory unit. In his prior tenure at Moody's (1991-2008) Mr. Philipp held several analytical and management positions relating to the rating and surveillance of commercial real estate backed securities, as well as the development of quantitative tools to track and analyze credit risk. Prior to joining Moody's in 1991 Mr. Philipp had 10 years of commercial real estate related experience with a life insurance company, a developer and an investment manager.Mr. Philipp has a Bachelor of Arts from Pennsylvania State University and a Master of Business Administration from Columbia University.