Banco Popular de Puerto Rico

Paul Galant is CEO of the Citi Enterprise Payments business unit which leverages the bank�s industry-leading wholesale and retail payment capabilities across regions and organizations globally. In this role, Paul oversees the design, marketing and implementation of comprehensive business-to-consumer and consumer-to-business payments solutions for the world�s largest global corporations and financial institutions, as well as governments.Prior to this, he served as the CEO of Citi Cards, heading Citi�s North American and International Cards business, leading the business through a time of dramatic change in the industry. Citi�s global credit card business provides credit for people and businesses the world over. The franchise is a market leader and encompasses card activities in 50 countries across six continents.Earlier, Paul served as CEO of Global Transaction Services (GTS), a division of Citi�s Institutional Clients Group. Global Transaction Services is one of Citi�s publicly reported product lines, offering award winning and industry leading Treasury and Trade Solutions, and Securities and Fund Services capabilities to corporations, governments, financial institutions and investment advisors worldwide.Previously, he was the Global Head of the Cash Management business, one of the largest processors of cash flows globally, covering all geographic regions including North America and Latin America, Europe, the Middle East, Africa and Asia Pacific. Under Paul�s leadership the Cash Management business experienced strong growth and a significant improvement in its operating performance. It was also recognized for innovation and excellence by many publications including Euromoney, the Banker and Global Finance.Before this, Paul was Global Head of eCommerce and Market Data Strategy for Citi Corporate and Investment Banking. Paul and his team set strategic direction and coordinated execution of eCommerce initiatives, advised on eCommerce alliances, consortia and joint ventures, set market data strategy, managed market data relationships and developed global agreements that generated cost savings, allowed greater distribution and leveraged purchased content and functionality.Previous positions before joining Citi were with Donaldson, Lufkin and Jenrette as Global Head of Ecommerce and Financial Engineering within Debt Capital Markets as well as Management Committee member; with both Smith Barney and CSFB heading Financial Engineering Divisions; and as President and Founder of BTP Information Services, Inc.Paul holds a B.A. from Cornell University where he graduated a Phillip Merrill Scholar. He was featured in Institutional Investors Online 40 (2010, 2008), by Crain�s New York Business as a member of its �40 Under 40� (2006), by Global Finance as a member of their �Who�s Who in Treasury and Cash Management� (2006) and by CNBC as a �Young Gun� in its �Five Under 40� profile (2006). He serves as an Executive member on the NY Weill Cornell Medical Center Council.

Elizabeth Khalil is a partner at Dykema Gossett PLLC.� For most of her career, she has been a federal banking regulator in Washington, DC, including serving as an enforcement attorney at the OCC and as acting special assistant to the Director and Deputy Director of the FDIC’s Division of Depositor and Consumer Protection.� She was also a senior associate at Hogan Lovells US LLP (formerly Hogan & Hartson). Her current law practice spans all aspects of regulatory compliance for financial institutions, including evaluating and improving compliance management systems (CMS), managing third-party relationships, and addressing� privacy and data security issues, including in connection with emerging payments technology.Elizabeth is a member of the International Association of Privacy Professionals, American Bankruptcy Institute, and Federal Communications Bar Association. She graduated from Georgetown University and the University of Michigan Law School.

Mr. Fortin was appointed Chief Executive Officer of Regional in March 2007 and has been a director of Regional since March 2012. Prior to joining Regional, Mr. Fortin was, from 2005 to 2007, President of Cogent Strategic Advisors, LLC, a consulting firm serving institutional investors. From 1998 to 2005, Mr. Fortin was Vice President, Development for EJB Group, Inc., a private investment holding company based in Charlotte, North Carolina. From 1992 to 1998, Mr. Fortin was Vice President and Chief Financial Officer of InLight Solutions, Inc., a medical technology business located in Albuquerque, New Mexico that he co-founded. He also held positions at Bowles Hollowell Conner & Co. and Trammell Crow Company. In 2008, Mr. Fortin was elected to the Board of Directors of the American Financial Services Association (�AFSA�), the principal trade organization for the installment lending industry. He currently serves on the Executive Committee of the Board of Directors of AFSA, is Chairman-Elect of the AFSA Independents Section, and was the Chairman of the AFSA Political Action Committee. Mr. Fortin earned a B.S. degree in Industrial Engineering from Stanford University and an M.B.A. degree from Harvard Business School.Mr. Fortin served as an Operating Partner of Parallel from June 2003 to March 2007. He is also the brother-in-law of F. Barron Fletcher, III, the managing member of Parallel.Mr. Fortin brings to the Board a management perspective in light of his role as our Chief Executive Officer, as well as his experience with the state and federal regulators applicable to our business.

Stefanie H. Jackman, is a senior litigation associate in the Litigation Department at Ballard Spahr and a member of the firm's Consumer Financial Services Mortgage Banking, and Commercial Litigation groups.� She also is a member of Ballard Spahr's Fair Lending Task Force and Collection Documentation Task Force.�Ms. Jackman's practice focuses primarily on complex litigation in the area of consumer financial services and financial institutions law.� She regularly defends financial institutions in mortgage-related litigation, credit card-related litigation, arbitration, commercial law, and class action defense.� She handles litigation issues arising under an array of consumer financial laws, including state UDAAP statutes, RESPA, TILA, FDCPA, FCRA, and SCRA.� Ms. Jackman also represents clients in connection with responding to administrative enforcement actions and investigations brought by the Consumer Financial Protection Bureau and other governmental regulators.���Ms. Jackman holds a J.D., with honors, from Emory University School of Law and a B.A., magna cum laude, from the University of Vermont.�

As President of Prosper Marketplace, Ron is responsible for developing and executing the business development strategy to attract borrowers to the site, as well as ensure a balance between institutional and retail investors on the Prosper platform. He brings more than 20 years experience in sales, marketing and business development across the hedge fund, broker dealer and registered investment advisor industries.Before to joining Prosper, Ron was Managing Director at Wells Fargo Securities. Prior to Wells Fargo, Ron served as the Head of Global Sales and Marketing and Senior Partner for Merlin Securities. Ron also served as President of Spectrum Global Fund Administration, and spent 14 years at Bear Sterns where he served as Senior Managing Director and Manager of Global Clearing Sales.Ron earned a B.A. in Economics from the University of California, Berkeley.

Ben is a partner in the Financial Services practice at Oliver Wyman, a global management consultancy.� He spends the majority of his time working with leading regional and national banks on core customer-facing strategies across products, channels and segments.� He has had the privilege of helping his clients navigate evolutions in the product landscape in real estate lending (including reverse mortgages), consumer deposits (the move from free checking), and most recently new-form lending (including peer-to-peer, consumer deposit advance and merchant cash advance).In addition to his work at Oliver Wyman, Ben has spent time with the World Economic Forum and sits on the board of Santi School Project, a nonprofit improving the quality of education for girls and ethnic minorities in Nepal.

Constance draws on a deep background in cutting-edge issues of technology and law to navigate startups, financial institutions, and governments through evolving issues of first impression in the complex regulatory frameworks and legal regimes for financial technologies in the information age.� Currently, Constance serves on the boards of several digital currency companies and supports startups and traditional financial institutions in global financial regulations, licensing and compliance, government advocacy, corporate restructuring, and strategic market development for digital currencies and distributed cryptographic ledger technologies (www.sevenadvisory.com). Prior to these roles, Constance served as General Counsel and Chief Compliance Officer of Kraken (www.kraken.com), where she helped transform a software development startup into a globally respected financial institution. Constance is a member of the California State Bar, holds a J.D. from UC Berkeley School of Law, and undergraduate degrees from Brown University and University of Cambridge. She formerly practiced at Kirkland & Ellis, Wilson Sonsini Goodrich & Rosati, the Samuelson Law, Technology & Public Policy Clinic, the Electronic Frontier Foundation and Perkins Coie, focusing on internet law, IP law, privacy, data security, and constitutional rights.� As one of the original founders of Kraken and DATA (www.datauthority.org), the self-regulatory organization for digital currency firms comprised of over 30 companies worldwide, Constance spearheads sound public policy for these emerging technologies, and is a frequent public speaker on the transformative potential of digital currencies and other cryptographic, distributed ledger technologies.

Charlie is founder of the Bitcoin Foundation (Vice-Chairman 2012 to 2014), and worked on the standardization, protection and promotion of Bitcoin. Specifically, Charlie led the partnerships and mergers of Fundacio�n Bitcoin Argentina, Bitcoin Embassy of Canada, and Bitcoin Association of Australia, making sure all local Bitcoin communities have global resources and mentoring.As co-­-founder and former CEO at BitInstant LLC, an early Bitcoin start-­-up that provided a secure, fast and convenient way of globally buying and selling Bitcoin, Charlie led the company during its infancy to innovate and provide services aligned with the needs of the fast-­-growing Bitcoin community.Currently, Charlie has taken a Business Development Role at the award-winning international online payment platform Payza.Charlie graduated from City University of New York-­-Brooklyn College with a Bachelor of Science (BS) in Economics & Finance in 2011. During his schooling, he was actively involved in hacker and Bitcoin communities where he was known as 'Yankee.' He founded his first start-­-up DailyCheckout Inc. in Brooklyn, the city where he was born. After his company grew to be one of the leading product eCommerce sites in the deal-­-a-­-day space (founded 2009 and sold 2012), Charlie began traveling the world, speaking at events and working with start-­-ups while advising on business development using his expertise in eCommerce and the finance industry.Currently residing in New York City, Charlie is one of the subjects of The Rise and Rise of Bitcoin, a highly anticipated documentary about the early days of Bitcoin. It premiered at the Tribeca Film Festival where Charlie led an exclusive Q&A panel about the film and growing industry.He continues to participate in industry panels and providing context for various news outlets who are beginning to report on Bitcoin and other crypto-­-currencies.