Banco Popular de Puerto Rico

Clifford Kim is a Vice President-Senior Analyst in Moody's Global Infrastructure Finance Group. He serves as the lead analyst for a portfolio of public power issuers located in the U.S. Pacific Northwest and project finance issuers. Over the last four years, he has authored Moody's US power projects outlook and he was the primary author of the 'Breezing Past P50' report on wind projects. Prior to joining Moody's, he was an Associate Director in WestLB's Credit Risk Management group responsible for the infrastructure, metals & mining, and hospitality sectors. He holds a B.S. in economics from the Wharton School, University of Pennsylvania and is a CFA charterholder.

Dan Adler is President of the California Clean Energy Fund (CalCEF), a nonprofit, evergreen venture capital fund created to accelerate investment in California’s clean energy economy. CalCEF Fund I, employing a fund-of-funds model, is invested in 40 young companies covering the full range of clean energy technologies. In 2006 CalCEF founded the nation’s first university center on energy efficiency, the Energy Efficiency Center at the University of California at Davis, and in 2008 launched the CalCEF Clean Energy Angel Fund and an affiliated public policy and market intelligence organization, CalCEF Innovations.Prior to joining CalCEF, Mr. Adler was a senior analyst in the Division of Strategic Planning at the California Public Utilities Commission, where he was responsible for the design and implementation of California's Renewables Portfolio Standard and was senior staff for climate change policy.In addition to energy issues, Mr. Adler has professional experience in international trade policy and socially responsible investment. He has a B.A. in Political Science from the University of California at Berkeley and an M.A. in Public Policy from Harvard University

Kenneth Adams was confirmed by the Legislature as Empire State Development (ESD) President & CEO and Commissioner of the New York State Department of Economic Development on April 5, 2011. In these positions, Mr. Adams works to promote economic practices that attract business and create jobs throughout New York State. He also works closely with Lieutenant Governor Robert J. Duffy to implement the Regional Economic Development Councils across the state.Mr. Adams came to ESD from The Business Council of New York State, the state’s leading business association, where he served as President and CEO since 2006. He led the organization in its mission of creating “economic growth, good jobs and strong communities across New York State.” The Business Council represents nearly 2,500 member businesses, chambers of commerce and professional and trade associations, employing a total of more than one million New Yorkers. Prior to leading the Business Council, Mr. Adams was President of the Brooklyn Chamber of Commerce and Director of the MetroTech Business Improvement District in Downtown Brooklyn. He was also the founding Executive Director of New York Cares, New York City’s leading volunteer organization, from 1988 to 1994.Mr. Adams is a resident of Brooklyn, New York, where he lives with his wife and two children.

Mr. LeBas joined Janney in 2006 and is the Firm’s Chief Fixed Income Strategist. In this role, he works closely with Financial Consultants in providing customized investment strategies for a range of institutional and ultra-high-net-worth clients. Mr. LeBas authors in-depth economic and bond market periodicals and provides relative value recommendations across the fixed income spectrum. Named among Bloomberg’s Best Bond Forecasters in multiple categories in the third quarter 2010 rankings, Mr. LeBas was ranked seventh in both the 2-year treasuries and 3-month Libor categories, based on the accuracy of predictions made over the past 15 quarters beginning in 2007. Mr. LeBas is one of a select group of forecasters to be recognized for his performance in multiple categories. Prior to joining Janney, Mr. LeBas was the Interest Rate Risk Manager for U.S. Trust’s bank asset and liability portfolios, a role in which he oversaw risk and return on an $11 billion balance sheet. He received his education from Swarthmore College and is a CFA Charterholder.

Kate Hackett is a Managing Director in the Public Finance area at Kroll Bond Rating Agency, Inc.� Kate focuses on the expansion into the state and local government areas, including general obligation, lease, excise tax and special district bonds.� She joins KBRA from Standard and Poor’s where she was a Director in the State and Local Government Group.� Prior to her role at Standard and Poor’s, Hackett was a First Vice President at Ambac Assurance Corporation. She has worked in the area of municipal credit analysis for over twenty years, assessing credit worthiness across all sectors and geographic areas.� �

Chris joined Assured Guaranty in June 2016 as a Director in the Public Finance Group.� In addition to covering a variety of issuers and sectors located in the eastern region of the United States, Chris brings a deeper concentration on the utility and transportation sector both domestically and internationally.� Prior to joining Assured Guaranty, Chris worked at U.S. Bank, N.A., managing the Public Utility Group in the Government Banking Division.� Prior to U.S. Bank, he was a Senior Director/Manager of Fitch Ratings Public Power Group in the Public Finance Division and worked at MBIA Insurance Corporation as a Managing Director in the Public Finance Division.� Having extensive prior experience working in bond insurance, at a rating agency and for a commercial bank, Chris brings a unique set of marketing, analysis, risk assessment, negotiation and rating skills to the revenue bond and tax-supported credit sectors.�

Mark joined KNN Public Finance in 2004 and he currently serves our county, county-wide special district clients, and the State Public Works Board for the State of California (CA SPWB). In addition to managing all aspects of the debt issuance process, Mark also specializes in pre-transaction financial analysis and bond structuring. Mark’s debt issuance and bond structuring experience includes negotiated and competitive public offerings of certificates of participation, lease revenue bonds, sales tax revenue bonds, tax allocation bonds, pension obligation bonds, solid waste revenue bonds, tobacco settlement asset backed bonds, tax and revenue anticipation notes (TRANs) and refunding bonds. His recent transactions include supporting several lease revenue bond offerings for the CA SPWB, sales tax revenue bonds for Sonoma County Transportation Authority and refunding revenue certificates of participation for Kern County solid waste system improvements. In addition to public offerings, Mark also provides financial advisory services for private placements of debt. These services include determining appropriate interest rates, negotiations of terms, drafting of documents and financial analysis. Transactions include a lease agreement for the Sonoma County Comprehensive Energy Efficiency Project, sales tax revenue bonds for Madera County Transportation Commission and taxable pension obligation adjustable rate refunding bonds for Kern County.Mark specializes in developing cash-flow models, financial projections, debt capacity analyses and strategic plans. For several clients dependent on specific revenue streams for capital projects, Mark has developed comprehensive dynamic cash-flow forecasting models. These models and associated analysis are utilized for capital planning, determining the timing and structure of future financings and assessing debt capacity. Recent work includes strategic planning and cash flow models for Sonoma County Transportation Authority, Madera County Transportation Commission and Sonoma County Water Agency. Mark’s research and quantitative skills are also utilized for feasibility studies, debt capacity reviews, debt policies, cost-benefit analysis, asset divestitures and rating agency strategies. Mark has recently developed feasibility studies for the Sonoma County Energy Independent Program (a property assessed clean energy program), the Riverside County hospital projects and the Santa Clara County fuel cell procurement. In addition, Mark’s work includes a debt capacity review, master refunding analysis and debt policy for Sonoma County. Moreover, Mark has assisted San Francisco County Transportation Authority with managing the short-term ratings on their CP program as well as their long-term “shadow” ratings. Prior to joining KNN, Mark served as an investment banking Vice President for Salomon Smith Barney. His work included debt, equity, and mergers and acquisitions in a broad array of industries. In addition, as a Financial Analyst at Ogden Projects, he worked on several municipal waste-to-energy, independent energy and landfill projects. Mark earned an M.B.A. from Carnegie Mellon University and a B.S. in Mechanical Engineering from Cornell University. Mark is registered as a municipal securities principal.

Debra Rayman joined Wells Fargo Corporate Trust Services in July 2006. She has nearly 30 years’ experience in the Corporate Trust field as a department manager and trustee of a variety of municipal, corporate and housing debt issues. She received her Bachelor of Arts degree in Business Administration and Sociology, with a minor in Journalism, graduating magna cum laude from Midland Lutheran College. She is a Certified Corporate Trust Specialist and graduate of the Cannon Trust School. Prior to joining Wells Fargo, Ms. Rayman was an account administrator and managed the Colorado and Arizona corporate trust offices at JPMorgan Chase.

Senator Vicente (ben) Cabrera Pangelinan, affectionately known as “Senator ben” was born in Saipan, raised by Christian parents and came to Guam when he was very young. Growing up bilingual in English and Chamorro,he possess uniqueattributes. His family has always resided in the village of Barrigada, where he grew up. He went to San Vicente Elementary School and graduated from Father Duenas Memorial School in 1974. To pursue a higher, he went to the prestigious Georgetown University in Washington, DC, with a Bachelor’s Degree in Government. He has also been bestowed the Pacific American Foundation (PAF) Fellowship and the Toll Fellowship from the Council of State Governments.At an early age, Senator ben was always interested in government service and worked as a Staff Assistant to the Office of the Delegate, Antonio G. Won Pat in Washington, DC while attending college. When he returned to Guam, he worked for the late Governor Ricardo J. Bordallo.Before being elected into the Guam Legislature, Senator ben worked with FHP/HML Guam, a HMO doing business in Guam, Saipan and California. He had numerous positions consisting of Member Relations Officer, Guam Director of Government and Public Affairs, Associate Director of Operations and the Regional General Manager.Senator’s tenure in the Guam Legislature began in the 22nd Guam Legislature. The people of Guam continued to elect him in the 23rd, 24th, 25th, 26th, 27th, 29th, 30th and currently serving in the 31st Guam Legislature. He was Speaker in the 27th Guam Legislature.Throughout his political career, Senator ben has held the Chair of various Committees, including land, taxation, banking and retirement. For the past two terms, Senator ben has chaired the Committee on Appropriations. As Chairman for the Committee on Appropriations and the Office of Finance and Budget, he gained support from the Executive Branch to pass a fiscal year line item budget that was organized and balanced completed in an unprecedented time frame never seen in the government of Guam. His budget reflected the priorities of education, health and safety in the allocation resources.Senator ben has never shied away from controversy and has championed many issues that others didn’t. He fought for the government of Guam retirees to receive their Cost of Living Allowance and after more than 15 years, retirees received what was legally owed to them. The fight isn’t quite over, yet and Senator ben will continue to fight for them.He has led the fight for a fair and open government on the Legislative floor and in the highest courts of Guam, the Ninth Circuit of Appeals, and the United States Supreme Court.Responding to business challenges, he streamlined services and established the one-stop permit program to assist existing and new business. He wrote the Guam Business Corporations Act, the first major update of the law in over 30 years to increase opportunities for investments to improve the economy. Now individuals can form businesses with a minimum of red tape.Senator ben is a protector of natural resources for Guam by declaring the property in and the right to the use of all water, at any time in a stream, river or other surface sources and water located beneath the ground and in the aquifer in Guam are vested in the government of Guam.In Guam’s quest for self-determination, Senator ben submitted testimonies to the United Nations Special Political Decolonization Committee (Fourth Committee) to advocate for Guam’s inalienable right to self-determination. His office remains the only place, other than the Guam Election Commission that has certified registrars to register eligible CHamorros to the Decolonization Registry.Senator ben understands the importance of the cultural preservation of Guam by creating the “Hatdin Amot Chamorro” which identifies a portion of Chamorro Land Trust lands specifically to grow herbal medicinal plants for “Suruhanus” and “Suruhanas” to use for traditional medicinesSenator ben understand the importance of nurturing our environment and introduced legislation promoting the development of renewable energy to require the Guam Power Authority to establish renewable portfolio standard goals. He established the first ever net-metering program, which credits homeowners who install renewable energy production capacity.Senator ben has vast business experience. He is President/Owner of Group Pacific Suppliers, Principal Consultant/President of Pacific Presence Group
and Founding Director of Graphic center, Inc.
and Micronesia Graphics, Inc.
 He is also Director of Fifth Wheel, Inc.In addition to Chair of the Committee on Appropriations, Taxation, Public Debt, Banking, Insurance, Retirement and Land, he also holds the position of Vice Chair for the Committee on Education and a member of the Committee on Rules, Federal, Foreign & Micronesian Affairs, Committee on Health & Human Services, Economic Development, Senior Citizens and Election Reform, Committee on Municipal Affairs, Tourism, Housing and Recreation and the Committee on Guam Military Buildup and Homeland Security.