Banco Popular de Puerto Rico

Mr. Glass is the Chief Financial Officer of the Cleveland Clinic. He joined the Cleveland Clinic in April 2002 as the Controller and Chief Accounting Officer and served in that role until June 2005, when he assumed his current role. Mr. Glass is responsible for the financial management of the Cleveland Clinic Health System which includes ten hospitals in Ohio, one hospital in Florida, outpatient operations in Las Vegas and Toronto, and a 2,700 physician practice group operating across those markets.Prior to joining the Cleveland Clinic, Mr. Glass spent fourteen years with MedStar Health, a community hospital health system serving the Mid-Atlantic Region. Mr. Glass spent fourteen years with MedStar Health serving in various roles during its growth through mergers and acquisitions during the mid-nineties. Mr. Glass received a Bachelor of Science degree in Accounting from Towson University and is a Certified Public Accountant. He is a member of the American Institute of Certified Accountants, Ohio Society of Certified Public Accountants, Healthcare Financial Management Association and the Health Management Academy.

David L. Cohen is a Managing Director and Associate General Counsel for the Securities Industry Financial Markets Association’s (SIFMA) Municipal Division where he focuses on municipal securities policy, legal, regulatory, market practice, and other related issues. Prior to joining SIFMA, Cohen was Managing Counsel for Ethics and Compliance at Cablevision Systems Corp. Before joining Cablevision, Mr. Cohen held several positions at UBS including Executive Director and Regulatory Compliance Business Manager for UBS’ Municipal Securities Group and Associate General Counsel for UBS Wealth Management.Mr. Cohen holds a B.A. in Political Science from Union College and a J.D. from Hofstra University School of Law where he was Editor-in-Chief of the Hofstra Labor Law Journal.

Sally has over 18 years of banking experience, predominately in public finance in the higher education sector. She currently serves as the head of Wells Fargo Securities higher education team and previously as co-head of the Morgan Stanley higher education group. Sally has served as a senior banker on over $25 billion of tax-exempt and taxable debt issuance for public and private institutions nationwide and internationally. Sally’s prominent senior managed public university clients include the University of Texas System, the University of California, the California State University System, the University of Pittsburgh, Indiana University, Miami University of Ohio, Virginia Military Institute and the University of Virginia. Her private university and college higher education experience includes senior managed bond issues for Stanford University, Washington University, University of Chicago, Northwestern University, Princeton University, Harvard University, Columbia University, Carleton College, Pepperdine University, California Institute of Technology, Johns Hopkins University, Loyola of Chicago, Loyola Marymount University, Santa Clara University, Lebanese American University and Swarthmore College among others. Sally’s not-for-profit experience includes bond issues for the Andrew Mellon Foundation, Lincoln Center for the Performing Arts, the Metropolitan Museum of Art and The Whitney Museum of American Art among others. In the late 1990s, Sally relocated to Hong Kong. While in Hong Kong, she served as a senior member of the Morgan Stanley Taxable Debt Capital Markets team and for one year as the Chief Operating Officer for the Fixed Income Division in Asia. Sally rejoined the Public Finance department and the Morgan Stanley higher education group in June 2003. Since then, she has focused solely on higher education and 501(c)3 debt issuers. Sally joined Wells Fargo as the head of the higher education team in August 2012.

Bradley C. Bond has been Vice President of Treasury for the System since July 2002 in addition to recently being appointed to Vice President of Finance for all Community Medical Centers and Ambulatory Surgery Centers. In his treasury role, Mr. Bond’s primary responsibilities include overall management of short and long-term investments, debt and swap transactions, cash management, leasing contracts, pension and risk management, and tax compliance and research. He has played a significant role in over $1.3 billion in bond issuance transactions, over $800 million notional swap transactions and negotiated $230 million in short-term lines of credit during his tenure at the System. Mr. Bond currently oversees the investment program with over $1.1 billion in assets under management, including the defined benefit pension investments. He also plays a significant role in operational finance at the six community medical centers, strategic planning, financial reporting, fund development, equipment leasing and community benefit reporting. Prior to joining the System, Mr. Bond served as Assistant Treasurer at the Cleveland Clinic Foundation since December 1997 and Senior Treasury Analyst from November 1994 to December 1997. Previously Mr. Bond was associated with General Electric Capital Corporation, where he served as a Financial Specialist from 1992 to 1994. Mr. Bond began his career as a staff accountant and consultant with Ernst & Young. Mr. Bond received a Bachelor of Science in Business Administration from The Ohio State University and a Masters in Business Administration from Weatherhead School of Management - Case Western Reserve University. Mr. Bond is a Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA-non practicing). Mr. Bond maintains many professional and community affiliations and is Finance Committee Chair for the Hunger Network of Greater Cleveland.

Akiko Mitsui is a Senior Analyst and Manager in Vanguard�s Municipal Credit Research Department, where she has worked since 2006. Vanguard manages over 20 tax-exempt money-market and bond portfolios with total assets exceeding $100 billion. Akiko�s work as a Senior Analyst is focused on bonds issued by universities and other nonprofit organizations, and in the high-yield space, on bonds issued by Continuing Care Retirement Communities (CCRCs). In the money-market arena, Akiko is one of three Vanguard credit specialists of Tender Option Bond (TOB) investments and participates on Vanguard�s Municipal 2a-7 Money Market Team. As a Manager, Akiko oversees employees responsible for various credit and compliance processes of Vanguard�s Municipal Credit Research Department.Akiko joined Vanguard in late-2003 to work with Vanguard�s current CEO when he was Managing Director of Institutional and Retail Client Relationships. Prior to joining Vanguard, Akiko worked as a Fellow and Research Associate with Harvard Business School�s Finance Faculty, focusing on pension fund investment management. Akiko was also a Senior Vice President at Mizuho Corporate Bank in New York, where her activities during her tenure spanned community-, public finance-, and real estate- lending, legal and regulatory affairs, philanthropy, and strategy. Akiko received two undergraduate degrees from Boston University: a B.A. in Economics and a B.S. in News-Editorial Journalism. She also a graduate of the MBA program at Harvard Business School. She is a CFA Charterholder.Active in nonprofit boards and advisory boards throughout her career, Akiko currently serves on the Board of Neighborhood Restore HDFC, a nonprofit organization that works on behalf of The City of New York to stabilize certain in rem properties in distressed areas of the City.

Manny Grillo is a partner in the firm�s Business Law Department and chairs its Financial Restructuring Practice. He is also a member of its Leveraged Finance Practice and co-leader of its Municipal Bankruptcy Group. Mr. Grillo represents secured and unsecured creditors, Chapter 11 debtors and borrowers, as well as both sellers and purchasers in distressed mergers and acquisitions. His practice encompasses both out-of-court debt restructurings and the rehabilitation and liquidation of financially distressed businesses under Chapter 11 of the Bankruptcy Code. Mr. Grillo regularly advises banks, hedge funds, sponsors and other financial institutions regarding insolvency and restructuring matters in complex financings and securitizations. He negotiates distressed financing transactions including debtor in possession loans on behalf of both lenders and borrowers and litigates contested confirmation and financing matters as well as avoidance actions and lender liability claims. Mr. Grillo is a member of the firm�s Opinion Committee and has been a member of its Associate Review Committee and its Committee on Racial and Ethnic Diversity. Mr. Grillo has represented creditors, debtors and borrowers across a variety of industries. In the financial services industry, he represented a troubled cooperative bank in the restructuring of over $500 million of its debt; an investment fund holding debt secured by life settlement assets in a troubled hedge fund�s chapter 11 cases; and an ad-hoc committee of second lien creditors in the restructuring of over $500 million of secured debt of one of the largest independent futures brokerage and clearing firms. He has represented lenders and borrowers in the real estate industry including the successful bidder in a section 363 sale for one of the nation�s largest real estate brokerage firms; the controlling mezzanine lender in its successful foreclosure on a portfolio of hospitality assets with a value in excess $1.5 billion; the sponsor of a portfolio of hospitality assets concentrated in the southeastern United States in the successful restructuring of $600 million of debt; mezzanine and mortgage lenders for both commercial and multifamily residential properties and lenders to Native American gaming facilities. He has represented junior capital lenders to troubled borrowers in prepackaged bankruptcy cases and periodically in their exercise of remedies. In addition, he has represented individual creditors and ad hoc groups of creditors in some of the country�s largest bankruptcy cases, including Lehman Brothers Holdings Inc., Northwest Airlines, Delphi Corporation and Silicon Graphics, Inc. He negotiated the unique DIP loan equity kicker in the NextWave Telecom cases that provided the DIP lender with a premium payable in reorganized NextWave securities at confirmation after NextWave�s litigation with the FCC in the United States Supreme Court.Mr. Grillo is a member of the American Bankruptcy Institute and the Turnaround Management Association.