Banco Popular de Puerto Rico

Matthew T. Reining is the analytical manager for U.S. Public Finance State and Local Government group�s Western region credits at Standard & Poor�s Ratings Services. Based in the San Francisco office, he leads a team of 15 analysts working on local government credit analysis. Matt has analytical expertise in assessing the credit quality of general obligation, appropriation, tax increment, special tax, school district, water-sewer, and special district bonds. His analytical work focuses on California, Arizona, and Colorado credits. Matt is a key member of the special district and land-backed sector and is also an internal short-term debt sector leader. Matt has been with Standard & Poor�s since the summer of 2004. Before working at Standard & Poor�s, Matt spent three and a half years as a Peace Corps Volunteer in Mali and an additional year and a half working for John Snow, Inc. on a USAID international program for public health supply logistics. Matt is a member of the California Society of Municipal Analysts. Matt holds a bachelor�s degree from the College of William and Mary as well as a master�s degree in Business Administration from Yale University�s School of Management.

Christopher Baron is the Head of U.S. Bank�s national Education & Nonprofits (ENP) Banking Division. Baron, located in Los Angeles, California, leads U.S. Bank�s team of 15 bankers who focus exclusively on serving larger education and nonprofit sector clients on a national level. The ENP Division was formed approximately three years ago, and currently has credit commitments of approximately $4 Billion. The Division provides comprehensive credit and non-credit solutions for colleges and universities, independent schools, religious organizations, social service organizations and cultural institutions. Products include letters of credit, standby bond purchase agreements, tax exempt lending, interest rate derivatives, revolving lines of credit, purchasing & corporate cards, merchant processing and treasury management services.Based in Los Angeles, Chris has been with U.S. Bank for nearly five years and has been involved in the credit enhancement and liquidity markets since the early 1990�s. Working for multiple financial institutions, he has provided credit enhancement and/or liquidity support to hundreds of tax-exempt issuers throughout the nation.Chris is a graduate of the University of California at Los Angeles and holds his Series 7 and Series 63 licenses.

Kimberly Koenig, Fiscal Resources Manager, Santa Clara Valley Transportation Authority (VTA) has over fourteen years of local governmental experience (all of which has been in the issuer capacity) and over twenty years of federal government experience. She is responsible for the day-to-day management oversight of the treasury functions of VTA, including debt management/investor relations, investments/cash management for operating, pension and other post employment benefit trust funds, and long term financial forecasting. Ms. Koenig has overseen numerous financing transactions including leveraged leasing of VTA assets and debt financings totaling $3 billion. VTA’s debt portfolio consists of tax-exempt/taxable debt in fixed and variable rate mode, as well as numerous interest rate swaps. VTA’s investment portfolio consists of about $2 billion of assets (including $600,000 of pension/retiree medical trust funds), invested in fixed income and equities. She is also a member of the VTA’s Deferred Compensation Advisory Committee, which is responsible for fiduciary oversight of over $153 million in employee/retiree 457 and 401a Plan contributions. Ms. Koenig has a Bachelor of Science degree in Professional Aeronautics from Embry-Riddle Aeronautical University and a Master of Science Degree in finance from Golden Gate University.

Laura Lockwood-McCall is the Director of the Debt Management Division in the Oregon State Treasury. In this capacity, she oversees the structuring and sale of approximately $2 billion annually in various general obligation, revenue, and conduit bonds issued by the State of Oregon and its various state agencies. Other duties include coordinating the State’s rating agency, disclosure, and investor relations functions; monitoring of the debt issuance activities of Oregon’s local governments; and making recommendations to the State Treasurer, the Governor and the State Legislature on various debt financing matters under consideration by the State. Ms. Lockwood-McCall serves as the State Treasurer’s representative on Oregon’s Private Activity Bond Allocation Committee, Municipal Debt Advisory Committee, and Infrastructure Finance Authority. Prior to her appointment to this post in 2004, Ms. Lockwood-McCall served for many years as a public finance officer in local governments in California and Florida and at the state level in Virginia. All told, Ms. Lockwood-McCall has overseen the coordination, sale and issuance of over $25 billion in municipal bonds and notes for a wide array of state and local government projects around the country.

Mr. Hicks is a partner in the Public Finance Department of Ballard Spahr LLP and a member of the Higher Education and P3/Infrastructure Groups. He focuses his practice on tax-exempt finance, including general obligation, revenue and special assessment bonds, lease-purchase certificates of participation and nonprofit corporations.Mr. Hicks has been recognized in the 2003 through 2013 editions of The Best Lawyers in America for corporate law, mergers and acquisitions, municipal law, and public finance law.He was named Best Lawyers' 2013 Phoenix Municipal Law "Lawyer of the Year."

Margaret Backstrom, is an Executive Director with Morgan Stanley’s San Francisco Public Finance office. Margie initially joined Morgan Stanley in 1994 and has over 14 years of municipal finance experience, structuring financings for a variety of west coast issuers. Her expertise includes water and sewer revenue bonds, general obligation bonds, lottery revenue bonds, lease-backed financings, sales tax revenue bonds, transportation revenue bonds, payroll tax revenue bonds, power revenue bonds as well as various other revenue bond financings. She serves as Morgan Stanley’s senior coverage officer for a variety of clients including water districts, counties, cities, state agencies and transportation districts. Her recent prominent financings include transactions for the City of San Diego Water System, San Diego County Water Authority, California Department of Water Resources, Sacramento County, State of California, State of Oregon, Oregon Department of Transportation, and many others. Her experience has involved refunding transactions, new money financings, fixed and variable rate financings and transactions using innovative structures including SIFMA index bonds and put bonds. Margie received both an undergraduate degree in Economics and an MBA from Stanford University.

La-Verna Fountain currently serves as the Vice President for Construction Business Services and Communications at Columbia University in the City of New York. As Vice President, Ms. Fountain helps lead the University’s outreach and communications efforts regarding construction business opportunities and activities. She helps lead the Corporate Alliance Program/Columbia University joint Certificate Mentorship program for Minority, Women and Locally-owned construction-trades businesses.Ms. Fountain served as part of the University’s negotiation team on two of the University’s top construction initiatives - the planned Manhattanville campus and Bakerfield/Boathouse Marsh project at the Campbell Athletics Complex. Prior to assuming her role in Facilities, Ms. Fountain served as the Associate Vice President of Public Affairs where she served as the Chief Operating Officer of Columbia’s Office of Communications and Public Affairs and as the public affairs liaison on the University’s expansion project, working closely with media, government officials and community members.In addition to her work at the University, Ms. Fountain if President and founder of the Defiant Hope Consulting and Training Company. For the past 25 years, she has provided motivational speeches, training and facilitation on topics of conflict resolution, cultural diversity/human awareness, nonviolence as a way of life, working with teenagers, spirituality in the workplace, staff development and organizational development.