Banco Popular de Puerto Rico

For more than 25 years, Rahul Gupta has identified opportunities and driven growth in the financial services and payments industries. He currently serves as Group President of the�Billing and Payments Group at Fiserv, Inc. His responsibilities include oversight of Biller Solutions and Output Solutions businesses as well as the development of the NOWSM Network, which connects consumers with banks and businesses to help deliver smart payments in real-time.Prior to this role, Gupta was Group President of the Digital Solutions Group with primary responsibility for electronic payments and digital channel portfolio of products. He also served as President of the Card Services Division, where he was responsible for card-based solutions, including ATM/debit and credit processing; the ACCEL/Exchange� network, now the Accel� network; and UChoose Rewards� loyalty program as well as bank and private label credit processing products.Prior to joining Fiserv in 2006, Gupta was president of U.S. Operations for eFunds Corp., a leading payments and risk management solutions provider, and held executive and senior management positions at i2 Technologies, Summit Marketing Group, Fidelity Investments and Price Waterhouse Management Consulting.

Chris Uriarte is chief payments officer for the Vesta Corporation. He has also held executive positions at American Express and Retail Decisions.

Chris Uriarte is chief payments officer for the Vesta Corporation. He oversees the company's core payments business, operational and strategic functions, and product management.

Tom Caporaso is CEO of Clarus Commerce.

Thomas Sean Kelleher is a technologist and architect in Kailua, Hawaii. He has written for XRPTalk, a forum for users of the Ripple network. Kelleher has a small holding of XRP, the native digital currency of Ripple, but he does not work for Ripple Labs.

Paul Dilda is currently the Head of Branch and ATM Channels across North America for BMO Financial Group, a mandate encompassing over 1500 retail locations and over 4600 ATMs in the U.S. and Canada.�He is accountable for strategic planning and network investment management for the bank�s North American physical distribution networks and specializes in branch transformation, format design and technology innovation.Paul has more than 20 years of experience in business transformation, strategic planning, marketing and business development. Previously, Paul has worked in Strategy and Finance for the Bank and served as Marketing Director for Ontario Power Generation.�Paul has a degree in Systems Design Engineering from the University of Waterloo and an MBA from the University of Toronto.

Kevin Watson is CEO of Netsurion. Netsurion sells data security and computer network management services for multi-location businesses.

Chester Ritchie brings his sales and marketing experience in the technology and payment processing fields to his current position of SVP, Head of Strategy. Before joining Worldpay, Chester created the award-winning Retail STAR point-of-sale software. He also created the top-selling payment processing software called X-Charge. During his tenure with an ISO, he built the company into a powerhouse through sales initiatives that resulted in a share price appreciation of 1,850 percent, tens of thousands of new customers and hundreds of new business partners. He excels at helping companies unlock value through tech�nology, partnerships and private equity.

Randy Long manages the Citizens Bank ATM business of more than 3,200 ATMs – the seventh largest bank ATM network in the United States.��He is an operations, sales, and strategic planning executive with vast experience in the use of GIS modeling to carryout in depth market analysis to develop strategies to improve overall network performance.�� He has been successful in network optimization, portfolio expansion and infrastructure improvements that have increased customer satisfaction and convenience without negatively impacting the P&L.�He holds a bachelor’s degree in Criminal Justice from Temple University and master’s degrees in Early Childhood Education and Business Administration from Widener University.�