<SEC-DOCUMENT>0001030469-15-000012.txt : 20150312
<SEC-HEADER>0001030469-15-000012.hdr.sgml : 20150312
<ACCEPTANCE-DATETIME>20150312151056
ACCESSION NUMBER:		0001030469-15-000012
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20150422
FILED AS OF DATE:		20150312
DATE AS OF CHANGE:		20150312
EFFECTIVENESS DATE:		20150312

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OFG BANCORP
		CENTRAL INDEX KEY:			0001030469
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				660538893
		STATE OF INCORPORATION:			PR
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-12647
		FILM NUMBER:		15695679

	BUSINESS ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918
		BUSINESS PHONE:		7877716800

	MAIL ADDRESS:	
		STREET 1:		254 MU?OZ RIVERA AVENUE
		CITY:			SAN JUAN
		STATE:			PR
		ZIP:			00918

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ORIENTAL FINANCIAL GROUP INC
		DATE OF NAME CHANGE:	19970110
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>proxy2015.htm
<DESCRIPTION>DEF 14A
<TEXT>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





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<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">UNITED STATES</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">SECURITIES AND EXCHANGE COMMISSION</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">WASHINGTON, D.C. 20549</font></b></p>

<p align=center style="margin-bottom:10.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">________________</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">SCHEDULE 14A</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(RULE 14a-101)</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">INFORMATION REQUIRED IN</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">PROXY STATEMENT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">SCHEDULE 14A INFORMATION</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Proxy Statement Pursuant to Section
14(a)</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">of the Securities Exchange Act of 1934</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">________________</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Filed
by the Registrant </font><font face=Wingdings lang=EN-US style="font-size:10.0pt;line-height:115%;">&#254;&nbsp;</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Filed by a Party other than
the Registrant </font><font face=Wingdings lang=EN-US style="font-size:10.0pt;line-height:115%;">&#168;&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Check
the appropriate box: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Preliminary
Proxy Statement </font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Confidential,
for Use of the Commission Only (as permitted by Rule</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;"> </font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">14a-6(e)(2))&nbsp;</font></b></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#254;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Definitive
Proxy Statement </font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Definitive
Additional Materials </font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Soliciting
Material Pursuant to &#167;240.14a-12 </font></p>

<p style="margin-bottom:.0001pt;margin-left:8.1pt;margin-right:0in;margin-top:0in;text-indent:-8.1pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">OFG Bancorp</font></b></p>

<div style="border:none;border-top:solid windowtext 1.0pt;padding:1.0pt 0in 0in 0in;">

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;padding:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(Name of Registrant as
Specified in its Charter)</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;padding:1.0pt 0in 0in 0in;">

<p align=center style="border:none;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;padding:0in;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(Name of Person(s)
Filing Proxy Statement, if Other Than the Registrant)</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Payment
of Filing Fee (Check the appropriate box): </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:0in;margin-left:.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#254;</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&#160;&#160; No fee required </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Fee
computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(1)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Title
of each class of securities to which transaction applies: </font></p>

<p style="margin-bottom:.0001pt;margin-left:.4in;margin-right:0in;margin-top:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(2)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Aggregate
number of securities to which transaction applies: </font></p>

<p style="margin-bottom:.0001pt;margin-left:.4in;margin-right:0in;margin-top:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(3)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Per
unit price or other underlying value of transaction computed pursuant to
Exchange Act Rule 0-11 (set forth the amount on which the filing fee is
calculated and state how it was determined):</font></p>

<p style="margin-bottom:.0001pt;margin-left:.4in;margin-right:0in;margin-top:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(4)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Proposed
maximum aggregate value of transaction: </font></p>

<p style="margin-bottom:.0001pt;margin-left:.4in;margin-right:0in;margin-top:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(5)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Total
fee paid: </font></p>

<p style="margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.3in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&#160;&#160; Fee paid previously with preliminary
materials. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.2in;"><font face=Wingdings lang=EN-US style="font-size:10.0pt;">&#168;</font><font face="Wingdings 2" lang=EN-US style="font-size:10.0pt;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Check
box if any part of the fee is offset as provided by Exchange Act Rule
0-11(a)(2) and identify the filing for which the offsetting fee was paid
previously. Identify the previous filing by registration statement number, or
the Form or Schedule and the date of its filing.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(1)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Amount
Previously Paid: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(2)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Form,
Schedule or Registration Statement No.: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div style="border:none;border-top:solid windowtext 1.0pt;margin-left:.5in;margin-right:0in;padding:1.0pt 0in 0in 0in;">

<p style="border:none;margin-bottom:.0001pt;margin-left:.2in;margin-right:0in;margin-top:0in;padding:0in;text-indent:-.2in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div>

<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(3)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Filing
Party: </font></p>

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<p style="margin-bottom:.0001pt;margin-left:.45in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">(4)</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;line-height:115%;">&nbsp;&nbsp;&nbsp;&nbsp; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Date
Filed: </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

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<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><img height=98 src="proxy2015-x2x0.gif" width=322></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">March
12, 2015</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Dear
Shareholder:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">You
are cordially invited to attend our annual meeting of shareholders, which will
be held at our offices located at Oriental Center, 254 Mu&#241;oz Rivera Avenue,
Ground Floor, San Juan, Puerto Rico, on Wednesday, April 22, 2015.&#160; The meeting
will begin promptly at 10:00 a.m. (EST).</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Details
of the business to be conducted at the annual meeting are given in the attached
notice of annual meeting and proxy statement.&#160; Only shareholders of record as
of February 26, 2015, are entitled to notice of, and to vote at, the annual
meeting or any adjournments or postponements thereof.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Your
vote is important.&#160; Please review the enclosed proxy statement and complete,
sign and return your proxy card promptly in the accompanying reply envelope,
even if you plan to attend the meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If
you attend the meeting, you must show at the entrance to the meeting proof of
ownership of our shares of common stock, such as a broker&#8217;s statement showing
the shares held by you and a proper identification card.&#160; If your shares are
not registered in your own name and you plan to attend the meeting and vote
your shares in person, you must contact your broker or agent in whose name your
shares are registered to obtain a broker&#8217;s proxy issued in your name and bring
it to the meeting in order to vote.&#160; Remember that you may also vote by
telephone or over the Internet.&#160; For more details and instructions, please
refer to the enclosed proxy statement and proxy card.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
look forward to seeing you at the annual meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font style="height:79px;margin-left:0px;margin-top:17px;position:absolute;width:182px;z-index:251658240;"><img alt="JSI Signature.jpg" height=79 src="proxy2015-x2x1.gif" width=182></font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Sincerely,</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Julian
S. Incl&#225;n</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Chairperson</font></p>









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<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">P.O. Box 195115</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;">San Juan, Puerto Rico 00919-5115</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">NOTICE OF ANNUAL MEETING OF SHAREHOLDERS</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></b></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">TO BE HELD ON APRIL 22, 2015</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Notice is hereby given that the
annual meeting of shareholders of OFG Bancorp (&#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or the
&#8220;Company&#8221;), a financial holding company and corporation organized under the
laws of the Commonwealth of Puerto Rico, is scheduled to be held at Oriental Center,
254 Mu&#241;oz Rivera Avenue, Ground Floor, San Juan, Puerto Rico, commencing at
10:00 a.m. (EST) on Wednesday, April 22, 2015, to consider and vote upon the
following matters described in this notice and the accompanying proxy
statement:</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:0in;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">1.</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">To elect three directors for
three-year terms expiring at the 2018 annual meeting of shareholders and one
director for a two-year term expiring at the 2017 annual meeting, and when
their successors are duly elected and qualified;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">2.&#160;&#160;&#160;&#160; To provide an advisory vote on executive
compensation;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">3.&#160;&#160;&#160;&#160; To ratify the selection of the Company&#8217;s
independent registered public accounting firm for 2015; and</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">4.&#160;&#160;&#160; To transact such other business as may properly
come before the annual meeting or at any adjournments or postponements
thereof.&#160; Except with respect to procedural matters incident to the conduct of
the annual meeting, the Company is not aware of any other business to be
brought before the annual meeting.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">These matters are described
more fully in the accompanying proxy statement, which you are urged to read
thoroughly.&#160; The Company&#8217;s Board of Directors recommends a vote &#8220;FOR&#8221; each of
the proposals.&#160; Only shareholders of record at the close of business on February
26, 2015, are entitled to notice of, and to vote at, the annual meeting.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">To assure representation at the
annual meeting, shareholders are urged to return a proxy as promptly as
possible either by voting through the Internet or telephone, or by signing,
dating and returning a proxy card in accordance with the enclosed
instructions.&#160; Any shareholder attending the annual meeting may vote in person
even if he or she previously returned a proxy.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:175.0pt;text-indent:3.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:175.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">In
San Juan, Puerto Rico, on March 12, 2015.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:175.0pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">By order
of the Board of Directors,</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:.5in;"><img height=72 id="Picture 4" src="proxy2015-x3x1.gif" width=247>&nbsp;</p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Carlos
O. Souffront</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-right:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Secretary</font></p>









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<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">TABLE OF CONTENTS</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=left><table border=1 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=2 valign=top width=89% style="border:none;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><b><u><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Page</font></u></b></p>
  </td>
 <td width=3% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td valign=top width=85% style="border:none;padding:0in 5.4pt 0in 5.4pt;">&nbsp;</td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:right;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></p>
  </td>
 <td width=3% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">General Questions about the Annual Meeting</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">1</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Proposal 1: Election of Directors</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">5</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Security Ownership of Certain Beneficial Owners and
  Management</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">8</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Information with Respect to Certain Directors and
  Executive Officers Who Are Not Directors</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">12</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Board Independence, Leadership Structure and Risk
  Oversight</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">16</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Board Meetings</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">17</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Executive Meetings of Non-Management Directors</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">18</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Board Committees</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">18</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Corporate Governance Principles and Guidelines</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">19</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Proposal 2: Advisory Vote on Executive Compensation</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">20</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Proposal 3: Ratification of Selection of Independent
  Registered Public Accounting Firm</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">21</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Independent Auditor</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">21</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Compensation Risk Assessment</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">22</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Compensation Discussion and Analysis</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">23</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Compensation Committee Report</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">29</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Compensation Committee Interlocks and Insider
  Participation</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">29</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Executive Compensation</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">30</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Audit Committee Report</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">38</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Indebtedness of Management</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">38</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Certain Relationships and Related Transactions</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">39</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Section 16(a) Beneficial Ownership Reporting Compliance</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">39</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Shareholder Proposals</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">39</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=4% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:.05in;margin-top:0in;page-break-after:avoid;text-indent:4.5pt;"><b><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">&nbsp;</font></b></p>
  </td>
 <td colspan=2 valign=top width=88% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">Annual Reports</font></p>
  </td>
 <td colspan=2 valign=top width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:17.1pt;margin-top:0in;page-break-after:avoid;text-align:right;text-indent:-.9pt;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;">40</font></p>
  </td>
 </tr>
<tr height=0>
  <td width=4% style="border:none;">&nbsp;</td>
 <td width=85% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 <td width=5% style="border:none;">&nbsp;</td>
 <td width=3% style="border:none;">&nbsp;</td>
 </tr>
</table></div>









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<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">PROXY STATEMENT FOR THE ANNUAL MEETING OF
SHAREHOLDERS</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">TO BE HELD ON WEDNESDAY, APRIL 22, 2015</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">This
proxy statement contains important information related to the annual meeting of
shareholders of OFG Bancorp (&#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or the &#8220;Company&#8221;) to be held on
Wednesday, April 22, 2015 at 10:00&nbsp;a.m. (EST), at its offices located at
Oriental Center, 254 Munoz Rivera Avenue, Ground Floor, San Juan, Puerto Rico,
or any adjournments or postponements thereof.&#160; This proxy statement and the
accompanying proxy card are expected to be made available to shareholders on or
about March 12, 2015.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">GENERAL QUESTIONS ABOUT THE ANNUAL
MEETING</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
information is contained in this proxy statement?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
information in this proxy statement relates to the proposals to be voted on at
the annual meeting, the voting process, our Board of Directors and its
committees, the compensation of our directors and executive officers, and other
required information.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Who
is soliciting my vote?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
Board of Directors is soliciting your vote at the annual meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Who
will bear the costs of soliciting proxies for the annual meeting?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">This
solicitation of proxies is made on behalf of our Board of Directors, and we
will bear the costs of solicitation.&#160; The expense of preparing, assembling,
printing and mailing this proxy statement and the materials used in this
solicitation of proxies also will be borne by us.&#160; It is contemplated that
proxies will be solicited principally through the internet or mail, but our
directors, officers and employees may solicit proxies personally or by telephone.&#160;
Upon request, we will reimburse banks, brokers and other custodians, nominees
and fiduciaries for their reasonable out-of-pocket expenses for distributing
these proxy materials to our shareholders.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
have retained Georgeson Inc., an independent proxy solicitation firm, to assist
us with the solicitation of proxies for a fee not to exceed $12,500, plus
reimbursement for out-of-pocket expenses.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
is the purpose of the annual meeting?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">At
the annual meeting, shareholders will act upon the matters outlined in the
accompanying notice of annual meeting of shareholders, including the election
of four directors, the advisory vote related to executive compensation, the
ratification of the selection of the Company&#8217;s independent registered public accounting
firm for 2015, and the transaction of any other business that may properly come
before the meeting or any adjournments or </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p></div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_7"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">postponements
thereof.&#160; Proxies solicited hereby may be exercised only at the annual meeting,
including any adjournments or postponements thereof, and will not be used for
any other purpose.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Who
is entitled to vote?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Only
shareholders of record at the close of business on the record date, February
26, 2015, are entitled to receive notice of the annual meeting and to vote the shares
of common stock that they held on that date at the meeting, or any adjournments
or postponements thereof.&#160; As of the close of business on February 26, 2015,
there were 44,660,765 shares of our common stock outstanding.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
is the difference between a holder of record and a beneficial owner of</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">
</font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">shares held in street name?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Holder
of Record.&#160; </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If your shares are registered directly
in your name with our transfer agent, American Stock Transfer &amp; Trust
Company, LLC, you are considered the holder (or shareholder) of record with
respect to those shares.&#160; As a holder of record, you should have been furnished
this proxy statement and a proxy card directly by us.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Beneficial
Owner of Shares Held in Street Name. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If your shares are held
in an account at a securities broker, bank or other similar organization acting
as a nominee, then you are considered the beneficial owner of shares held in
&#8220;street name.&#8221;&#160; The organization holding your account is considered the holder
of record for purposes of voting at the annual meeting.&#160; As a beneficial owner,
you have the right to direct that organization on how to vote the shares held
in your account.&#160; Accordingly, you should have been furnished this proxy
statement and a voting instruction form by that organization.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">How
can I vote?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Holder
of Record. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If you are a holder of record, you may
vote either in person at the annual meeting, via the Internet (by following the
instructions provided on the proxy card), by telephone (by calling the toll
free number found on the proxy card), or by mail (by filling out the proxy card
and returning it in the reply envelope provided).</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Beneficial
Owner of Shares Held in Street Name. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If you hold your shares
in &#8220;street name,&#8221; you should receive a voting instruction form from your
securities broker, bank or other similar organization acting as a nominee
asking you how you want to vote your shares.&#160; If you do not, you should contact
your securities broker, bank or other similar organization acting as a nominee
and obtain a voting instruction form from them.&#160; If you plan to attend the
annual meeting and vote your shares in person, you must contact the securities
broker, bank or other similar organization acting as a nominee in whose name
your shares are registered to obtain a broker&#8217;s proxy issued in your name and
bring it to the annual meeting in order to vote.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">How
many votes do I have?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Each
outstanding share of our common stock entitles its holder to cast one vote on
each matter to be voted upon, except with respect to the election of directors in
which you may cumulate your votes.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant
to our articles of incorporation and by-laws, you have the right to cumulate
your votes at annual meetings in which more than one director is being
elected.&#160; Cumulative voting entitles you to a number of votes equal to the
number of shares of common stock held by you multiplied by the number of
directors to be elected.&#160; As a holder of our shares of common stock, you may
cast all or any number of such votes for one nominee or distribute such votes
among any two or more nominees as you desire.&#160; Thus, for example, for the
election of the four nominees being considered at this annual meeting, a
shareholder owning 1,000 shares of our common stock is entitled to 4,000 </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p></div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_8"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">votes and may distribute such votes equally among the
nominees for election, cast them for the election of only one of such nominees,
or otherwise distribute such votes as he or she desires.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If
you return an executed proxy but do not expressly indicate that your votes
should be cumulated in a particular fashion, the votes represented by your
proxy will be distributed equally among the four nominees designated by our
Board of Directors or in such other fashion as will most likely ensure the
election of all the nominees.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">How
does our Board of Directors recommend that I vote?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
Board of Directors recommends that you vote &#8220;FOR&#8221; the election of each nominee
to the Board, &#8220;FOR&#8221; the advisory vote related to the compensation of our
executives, and &#8220;FOR&#8221; the ratification of our independent registered public
accounting firm for 2015.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Each
proxy also confers discretionary authority on our Board of Directors to vote
the proxy with respect to:&#160; (i)&nbsp;the approval of the minutes of the last
annual meeting of shareholders; (ii) the election of any person as director if
any nominee is unable to serve or, for good cause, will not serve; (iii)
matters incident to the conduct of the annual meeting; and (iv) such other
matters as may properly come before the annual meeting.&#160; Except with respect to
procedural matters incident to the conduct of the annual meeting, we are not
aware of any business that may properly come before the meeting other than
those matters described in this proxy statement.&#160; However, if any other matters
should properly come before the annual meeting, it is intended that proxies
solicited hereby will be voted with respect to those other matters as
recommended by our Board of Directors or, if no recommendation is given, in
accordance with the judgment of the proxy holders.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
constitutes a quorum at the annual meeting?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
presence at the meeting, in person or by proxy, of the holders of a majority of
the shares of common stock outstanding on the record date will constitute a
quorum, permitting us to hold the meeting.&#160; As of the record date, 44,660,765
shares of our common stock were outstanding.&#160; Proxies received but marked as
abstentions and broker non-votes will be included in the calculation of the
number of shares considered to be present at the meeting for purposes of
determining quorum.&#160; A &#8220;broker non-vote&#8221; occurs when a securities broker, bank
or other nominee indicates on the proxy card that it does not have
discretionary authority to vote on a particular matter.&#160; Votes cast by proxy
will be counted by Broadridge Financial Solutions, Inc., an independent third
party.&#160; We urge you to vote by proxy even if you plan to attend the meeting, so
that we will know as soon as possible that enough votes will be present for us
to hold the meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">How
do I vote?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">You
can vote either in person at the meeting or by proxy even if you plan to attend
the meeting.&#160; If you complete and properly sign the accompanying proxy card and
return it in the enclosed reply envelope, it will be voted as you direct.&#160; If
you are a shareholder of record and attend the meeting, you may deliver your
completed proxy card in person.&#160; Alternatively, in lieu of signing the
accompanying proxy card and returning it in the enclosed reply envelope,
shareholders of record can vote their shares over the Internet, or by calling a
specially designated telephone number.&#160; Internet and telephone voting
procedures are designed to authenticate shareholders&#8217; identities, to allow
shareholders to provide their voting instructions and to confirm that their
instructions have been recorded properly.&#160;&#160; Specific instructions for
shareholders of record who wish to use the Internet or telephone voting
procedures are set forth in the enclosed proxy card.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Beneficial
owners of shares held in &#8220;street name&#8221; who wish to vote at the meeting will
have to obtain a proxy from the securities broker, bank or other nominee that
holds their shares.&#160; Such beneficial owners may vote their </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">shares
by telephone or the Internet if the brokers, banks or other nominees that hold
their shares make those methods available.&#160; If that is the case, each broker,
bank or other nominee will enclose instructions with the proxy statement.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">To
avoid delays in ballot taking and counting, and in order to ensure that your
proxy is voted in accordance with your wishes, we respectfully request that you
give your full title when signing a proxy as attorney, executor, administrator,
trustee, guardian, authorized officer of an entity, or on behalf of a minor.&#160;
If shares are registered in the name of more than one shareholder of record,
all shareholders of record must sign the proxy card.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Can
I change my vote after I return my proxy card?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Yes.&#160;
After you have submitted your proxy card, you may change your vote at any time
before the proxy is exercised.&#160; To do so, just send in a new proxy card with a later
date or cast a new vote by telephone or over the Internet, or send a written
notice of revocation to the Secretary of our Board of Directors, P.O. Box
195115, San Juan, Puerto Rico 00919-5115, delivered before the proxy is
exercised.&#160; If you attend the meeting, and want to vote in person, you may
request that your previously submitted proxy not be used.&#160; Attendance at the
meeting will not by itself revoke a previously granted proxy.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
vote is required to approve each item and how are abstentions and broker
non-votes treated?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Action
with respect to the election of directors will be taken by a plurality of the
votes of the shares represented in person or by proxy at the annual meeting and
entitled to vote.&#160; In other words, to be elected, each director nominee must
receive more votes cast &#8220;FOR&#8221; such nominee&#8217;s election than votes cast &#8220;WITHHOLD
AUTHORITY&#8221; for such nominee&#8217;s election.&#160; Abstentions and broker non-votes will
not be counted as either an affirmative vote or a negative vote regarding the
election of directors and, therefore, will not have a legal effect on such
election.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">For
the advisory vote on the compensation of our executives and the ratification of
our independent registered public accounting firm for 2015, the affirmative
vote of the holders of a majority of the shares represented in person or by
proxy at the meeting and entitled to vote will be required for approval.&#160;
Abstentions will have the same effect as a negative vote, and broker non-votes
will not be counted in determining the number of shares necessary for approval.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What
happens if I do not give specific voting instructions?</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">
&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Holder
of Record. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If you are a holder of record and you
sign and return a proxy card without giving specific instructions, then the
proxy holders will vote your shares in the manner recommended by our Board of
Directors on all matters presented in this proxy statement and as the proxy
holders may determine in their discretion with respect to any other matters
properly presented for a vote at the meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Beneficial
Owner of Shares Held in Street Name. </font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If you are a beneficial
owner of shares held in &#8220;street name&#8221; and do not provide the organization that
holds your shares with specific voting instructions, under the rules of various
national and regional securities exchanges, the organization that holds your
shares may generally vote on routine matters but cannot vote on non-routine
matters.&#160; If the organization that holds your shares does not receive
instructions from you on how to vote your shares on a non-routine matter, the
organization that holds your shares will inform us that it does not have the
authority to vote on such matter with respect to your shares (that is, a
&#8220;broker non-vote&#8221;).&#160; We believe that each of the proposals set forth in this proxy
statement will be considered non-routine under the rules of the New York Stock
Exchange (which apply to brokers), and therefore, there could be broker
non-votes on such proposals.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">What happens if the annual meeting
is adjourned or postponed?</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Your
proxy will still be valid and may be voted at the adjourned or postponed
meeting.&#160; You will still be able to change or revoke your proxy before it is
exercised. </font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">How
can I obtain directions to attend the annual meeting?</font></b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">
&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If
you need directions to be able to attend the annual meeting and vote in person,
please visit our website at </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com&nbsp;</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;"> or contact Anreder &amp;
Company, our investor relations firm, at (212) 532-3232 or (800) 421-1003;
email: ofg@anreder.com.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">PROPOSAL 1:&#160; ELECTION OF DIRECTORS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
by-laws provide that the Board of Directors will consist of such number of
directors as fixed from time to time by resolution of the Board.&#160; The number of
directors, as established by resolution, is presently nine.&#160; Our articles of
incorporation and by-laws also provide that the Board of Directors will be
divided into three classes of directors as nearly equal in number as possible.&#160;
Each member is elected until the end of the term of their class and until their
successors are duly elected and qualified.&#160; Each class serves a term of three
years, and only one class&#8217;s term ends annually.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">There
are no arrangements or understandings between us and any person pursuant to
which such person has been elected as a director.&#160; No director is related to
any of our directors or executive officers, by blood, marriage or adoption
(excluding those that are more remote than first cousin).</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Julian
S. Incl&#225;n, Pedro Morazzani and Radam&#233;s Pe&#241;a have been nominated by our Board of
Directors for election as directors for three-year terms expiring in 2018.&#160;
Jorge Col&#243;n-Gerena has been nominated by our Board for election as director for
a two-year term expiring in 2017.&#160; Set forth below is certain information with
respect to each nominee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Julian
  S. Incl&#225;n</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Dorado,
  PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Director
  since 2008</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  67</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Incl&#225;n is the CEO and Chairman of the Board of American Paper Corporation, a
  distributor of fine papers, office supplies and graphic art supplies, where
  he also served as President from September 1994 to January 2013.&#160; He is also
  the Managing Partner and President of various real estate development and
  investment companies.&#160; He holds an M.B.A. from Columbia University.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Corporate Governance and Nominating Committee recommended Mr. Inclan as a
  nominee, and our Board of Directors concluded that he should continue to
  serve as a director of the Company based on his prior experience as a
  director of the Company and in managing his distribution and real estate
  businesses, which assist the Company in evaluating and overseeing diverse
  business opportunities.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  (Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">13
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit
  </font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">11
  of 11</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Risk
  and Compliance</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4
  of 4</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Corporate
  Governance and Nominating</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Compensation</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">5</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company Securities Held as of December
  31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">108,709</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">12,680</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$2,127,005</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">12.76</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">17.02</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Pedro
  Morazzani</font></b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">, C.P.A., C.F.A., C.F.E.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2006</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  62</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr. Morazzani is a partner of the accounting firm Zayas,
  Morazzani &amp; Co. and a Certified Public Accountant, Certified Valuation
  Analyst and Certified Fraud Examiner.&#160; He is also the President of the Puerto
  Rico Chapter of the National Association of Certified Valuation Analysts.&#160;
  Previously, he was a Senior Manager at Peat, Marwick, Mitchell &amp; Co.
  (presently known as KPMG LLP).</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Corporate Governance and Nominating Committee recommended Mr. Morazzani as a
  nominee, and our Board of Directors concluded that he should continue to
  serve as a director of the Company based on his extensive accounting and
  financial expertise and his strong advocacy for corporate governance, ethics
  and fairness, which make him highly qualified to serve on the Board and its
  Audit Committee.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">12
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">92.3%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit
  (Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">11
  of 11</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">19,350</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$322,178</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2.93</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">3.90</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Radames
  Pe&#241;a</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mayaguez,
  PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2014</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  67</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Pe&#241;a is the President, CEO and owner of Radames Pe&#241;a, Inc., a distributor of
  office materials, equipment and furniture, art and engineering supplies in
  Puerto Rico, and Inmobiliaria Pe&#241;ita, Inc., a real estate investment and
  management company.&#160; He holds a B.S. (Business Administration) from the
  University of Puerto Rico, Mayaguez.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Corporate Governance and Nominating Committee recommended Mr. Pe&#241;a as a
  nominee, and our Board of Directors concluded that he should continue to
  serve as a director of the Company based on his more than forty years
  experience in business enterprises, finance and investments.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8
  of 8</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5
  of 6</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">83.3%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">10,000</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">68,448</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$1,877,700</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">N/A</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">53.16</font></p>
  </td>
 </tr>
</table></div>

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





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<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Jorge
  Col&#243;n-Gerena</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2014</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  48</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Col&#243;n-Gerena is the President, CEO and principal shareholder of various
  restaurant franchise operators that have the exclusive rights in Puerto Rico
  to the Wendy&#8217;s, Applebee&#8217;s and Famous Dave&#8217;s Legendary Pit Bar-BBQ
  franchises.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Corporate Governance and Nominating Committee recommended Mr. Col&#243;n-Gerena as
  a nominee, and our Board of Directors concluded that he should continue to
  serve as a director of the Company based on his extensive experience in
  retail food service franchises, which complements the diversity of experience
  of our Board.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8
  of 8</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Corporate
  Governance and Nominating</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1
  of 1</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Compensation</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1
  of 1</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">N/A</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:12.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">If
any person named as a nominee is unable or unwilling to stand for election at
the time of the annual meeting, the proxy holders will nominate and vote for a
replacement nominee or nominees recommended by our Board of Directors.&#160; At this
time, the Board knows of no reason why any of the nominees listed above may not
be able to serve as a director if elected.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors recommends that
you vote &#8220;FOR ALL&#8221; in this proposal.</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>





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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">7</font></font></p>



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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table sets forth
information as to our shares of common stock beneficially owned by persons,
including any &#8220;group&#8221; as that term is used in Section 13(d)(3) of the
Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), known to us
to be beneficial owners of more than 5% of the outstanding shares.&#160; The
information is based exclusively upon filings made by such persons or entities
pursuant to the Exchange Act.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=1 cellpadding=0 cellspacing=0 style="border:none;border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=24% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Name and Address of</font></b></p>
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Beneficial Owner</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Sole Voting Power</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Shared Voting Power</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Sole Dispositive
   Power</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Shared Dispositive
   Power</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Aggregate Amount of
   Shares Beneficially Owned</font></b></p>
   </td>
 <td valign=bottom width=2% style="border:none;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 2.15pt 0in 2.15pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Percent of Class</font></b></p>
   </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">BlackRock,
  Inc.<br>
  40 East 52nd Street<br>
  New York, NY 10022</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,846,319</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,955,987</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,955,987</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">8.9%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Dimensional
  Fund Advisors LP<br>
  Palisades West, Building One<br>
  6300 Bee Cave Road<br>
  Austin, TX 78746</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,268,662</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,418,122</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,418,122</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">7.65%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">Victory Capital Management Inc.<br>
  4900 Tiedeman Road, 4<sup>th</sup> Floor<br>
  Brooklyn, OH 44144</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">2,899,203</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">3,188,584</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">3,188,584</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">7.14%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">The
  Vanguard Group<br>
  100 Vanguard Blvd.<br>
  Malvern, PA 19355</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">57,973</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,813,293</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">55,173</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,868,412</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">6.42%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">Munder Capital Management and Integrity Asset
  Management<br>
  480 Pierce St.<br>
  Birmingham, MI 48009</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">3,905</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,430,977</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,746,501</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,746,501</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">6.1%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">FMR LLC, Edward C. Johnson 3d., Abigail P. Johnson
  and Fidelity Low-Priced Stock Fund<br>
  82 Devonshire Street <br>
  Boston, MA 02109</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">99,900</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,604,442</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,604,442</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">5.829%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">Wellington Management Company, LLP<br>
  280 Congress Street<br>
  Boston, MA 02210</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">2,425,053</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">2,425,053</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">2,425,053</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">5.43%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">State Street Corporation<br>
  State Street Financial Center<br>
  One Lincoln Street<br>
  Boston, MA 02111</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,385,687</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,385,687</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,385,687</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">5.3%</font></p>
  </td>
 </tr>
<tr style="height:.3in;">
  <td valign=top width=24% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">Ameriprise Financial, Inc.<br>
  145 Ameriprise Financial Center<br>
  Minneapolis, MN 55474 and Columbia Management Investment Advisers, LLC<br>
  225 Franklin St.<br>
  Boston, MA 02110</font></p>
  </td>
 <td valign=top width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-CA style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">1,185,107</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,368,730</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,368,730</font></p>
  </td>
 <td width=2% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="border:none;height:.3in;padding:0in 2.15pt 0in 2.15pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.35pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">5.30%</font></p>
  </td>
 </tr>
</table></div>





<DIV bclFooter>





<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">8</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





</DIV>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_14"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

<DIV bclHeader>





<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following tables set forth
information as to the number of our shares of common stock and serial preferred
stock beneficially owned as of December 31, 2014, by (i) the directors; (ii)
the Chief Executive Officer, Chief Financial Officer, the three most highly
compensated executive officers, other than the CEO and CFO, who were serving as
executive officers on December 31, 2014, and a former executive officer who
would have been among the three most highly compensated executive officers,
other than the CEO and CFO, in 2014 (collectively, the &#8220;Named Executive
Officers&#8221; or &#8220;NEOs&#8221;); and (iii) the directors and executive officers, including
the NEOs, as a group.&#160; The information is based upon filings made by such
individuals pursuant to the Exchange Act, and information furnished by each of
them.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">

   <h6 style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;text-decoration:none;">Name of Beneficial Owner</font></b></h6>
   </td>
 <td valign=top width=2% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=35% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount and Nature of Beneficial
   Ownership of Common Stock (#)</font></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Percent of</font></b></p>
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common Stock<sup>1</sup></font></b></p>
   </td>
 </tr>
<tr>
  <td valign=bottom width=41% style="border:none;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors</font></i></b></p>
  </td>
 <td valign=top width=2% style="padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=35% style="border:none;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=21% style="border:none;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Julian S. Incl</font><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#225;n&nbsp;</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">135,335<sup>2</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">486,857<sup>3</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">1.09%</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Juan
  C. Aguayo</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">37,133<sup>4</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Francisco Arriv&#237;</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">14,028<sup>5</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jorge Col&#243;n-Gerena</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.35pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Rafael F. Mart&#237;nez-Margarida</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.35pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">7,341</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Pedro Morazzani</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">15,950</font><sup><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">6</font></sup></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Radam&#233;s Pe&#241;a</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.35pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">10,000</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233; E. Rossi</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:73.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">148,268<sup>7</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">_________</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">_______________________&nbsp;</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&#160;&#160;&#160;&#160; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Unless
otherwise indicated, each of the persons named in the table beneficially holds
less than 1% of the outstanding shares of common stock.&#160; This percentage is
calculated on the basis of the total number of our shares of common stock
outstanding as of December 31, 2014, which is 44,613,615.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2.</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&#160;&#160;&#160;&#160; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">This amount
includes 31,226 shares as to which he has shared investment and voting power
and 2,250 restricted units that are subject to a restricted period that will
lapse within 60 days.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
This amount includes 254,332 shares that he may acquire upon the exercise of
stock options that are exercisable or that will become exercisable within 60
days and 6,500 restricted units that are subject to a restricted period that
will lapse within 60 days.&#160; It also includes 6,122 shares that he owns through
our 401(k)/1081.01(d) Plan, and 7,000 shares owned by his wife.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
This amount includes 2,250 restricted units that are subject to a restricted
period that will lapse within 60 days.&#160; It also includes 9,461 shares owned by
his spouse.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
This amount includes 1,250 restricted units that are subject to a restricted
period that will lapse within 60 days and 1,400 shares owned by his wife.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">6.&#160;&#160;&#160;&#160;&#160;
This amount includes 1,000 shares that he may acquire upon the exercise of
stock options that are exercisable or that will become exercisable within 60
days and 2,250 restricted units that are subject to a restricted period that
will lapse within 60 days.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">7.&#160;&#160;&#160;&#160;&#160;
This amount includes 1,250 restricted units that are subject to a restricted
period that will lapse within 60 days.</font></p>





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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">

   <h6 style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;text-decoration:none;">Name of Beneficial Owner</font></b></h6>
   </td>
 <td valign=top width=2% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=35% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount and Nature of Beneficial
   Ownership of Common Stock (#)</font></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Percent of</font></b></p>
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common Stock<sup>1</sup></font></b></p>
   </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Named
  Executive Officers</font></i></b></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:35.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:35.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:55.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">486,857<sup>2</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">1.09%</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Ganesh Kumar</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:55.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">117,974<sup>3</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Ram&#243;n Rosado</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:55.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">8,825<sup>4</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">C&#233;sar Ortiz</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:55.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">17,850<sup>5</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;">Maritza Arizmendi</font></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:59.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Norberto
  Gonz&#225;lez</font><sup><font face="Times New Roman,serif" style="font-size:11.0pt;line-height:115%;">6</font></sup></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:55.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">756<sup>7</sup></font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
  and Executive Officers as a Group</font></i></b><sup><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8</font></b></sup></p>
  </td>
 <td valign=top width=2% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=35% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:62.3pt;margin-right:59.85pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1,090,791</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2.44%</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">_________</font></b><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">_______________________&nbsp;</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">.&#160;&#160;&#160;&#160; </font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Unless
otherwise indicated, each of the persons named in the table beneficially holds
less than 1% of the outstanding shares of common stock.&#160; This percentage is
calculated on the basis of the total number of our shares of common stock
outstanding as of December 31, 2014, which is 44,613,615.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
This amount includes 254,332 shares that he may acquire upon the exercise of
stock options that are exercisable or that will become exercisable within 60
days and 6,500 restricted units that are subject to a restricted period that
will lapse within 60 days.&#160; It also includes 6,122 shares that he owns through
our 401(k)/1081.01(d) Plan, and 7,000 shares owned
by his wife.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
This amount includes 13,668 shares that he owns through our 401(k)/1081.01(d)
Plan, 82,693 shares that he may acquire upon the exercise of stock options that
are exercisable or that will become exercisable within 60 days, 3,700
restricted units that are subject to a restricted period that will lapse within
60 days.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
This amount includes 6,700 shares that he may acquire upon the exercise of
stock options that are exercisable or that will become exercisable within 60
days and 800 restricted units that are subject to a restricted period that will
lapse within 60 days.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
This amount includes 14,200 shares that he may acquire upon the exercise of
stock options that are exercisable or that will become exercisable within 60
days and 800 restricted units that are subject to a restricted period that will
lapse within 60 days.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">6.&#160;&#160;&#160;&#160;&#160;
Mr. Norberto Gonz&#225;lez&#8217;s employment ended effective July 3, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">7.&#160;&#160;&#160;&#160;&#160;
This amount represents 756 shares that he owns through our 401(k)/1081.01(d)
Plan. </font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">8.&#160;&#160;&#160;&#160;&#160;
The group consists of 15 persons including all directors, Named Executive
Officers, and executive officers who are not directors.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">

   <h6 style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;text-decoration:none;">Name of Beneficial Owner</font></b></h6>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=36% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount and Nature of Beneficial
   Ownership of Series A Preferred Stock (#)</font></b></p>
   </td>
 <td valign=bottom width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 <td valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Percent of Series A Preferred Stock<sup>1</sup></font></b></p>
   </td>
 </tr>
<tr>
  <td valign=top width=41% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
   and Named Executive Officers</font></i></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=top width=36% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 <td valign=top width=21% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Radam&#233;s
  Pe&#241;a</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">7,300</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,000</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:.2in;">
  <td valign=top width=41% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
  and Executive Officers as a Group</font></i></b><sup><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2</font></b></sup></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">9,300</font></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.&#160;&#160;&#160;&#160;&#160; Unless
otherwise indicated, each of the persons named in the table beneficially holds
less than 1% of the outstanding shares of such preferred stock.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2.&#160;&#160;&#160;&#160;&#160; The group consists of 15 persons including all
directors, Named Executive Officers, and executive officers who are not
directors.</font></p>




</div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_16"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

<DIV bclHeader>





<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=41% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">

   <h6 style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;text-decoration:none;">Name of Beneficial Owner</font></b></h6>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=bottom width=36% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount and Nature of Beneficial
   Ownership of Series B Preferred Stock (#)</font></b></p>
   </td>
 <td valign=bottom width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 <td valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Percent of Series B Preferred Stock<sup>1</sup></font></b></p>
   </td>
 </tr>
<tr>
  <td valign=top width=41% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
   and Named Executive Officers</font></i></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=top width=36% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 <td valign=top width=21% style="border:none;padding:0in .7pt 0in .7pt;">
   <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Francisco
  Arriv&#237;</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">440</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Radam&#233;s
  Pe&#241;a</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">61,148</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4.43%</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td valign=top width=41% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,500</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr style="height:.2in;">
  <td valign=top width=41% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
  and Executive Officers as a Group</font></i></b><sup><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2</font></b></sup></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=36% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:78.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">64,088</font></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=21% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4.64%</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.&#160;&#160;&#160;&#160;&#160; Unless
otherwise indicated, each of the persons named in the table beneficially holds
less than 1% of the outstanding shares of such preferred stock.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2.&#160;&#160;&#160;&#160;&#160; The group consists of 15 persons including all
directors, Named Executive Officers, and executive officers who are not
directors.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=2 valign=bottom width=38% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">

   <h6 style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;text-decoration:none;">Name of Beneficial Owner</font></b></h6>
   </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
   </td>
 <td colspan=3 valign=bottom width=33% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount and Nature of Beneficial
   Ownership of Series D Preferred Stock (#)</font></b></p>
   </td>
 <td valign=bottom width=1% style="padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
   </td>
 <td colspan=3 valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
   <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Percent of Series D Preferred Stock<sup>1</sup></font></b></p>
   </td>
 <td width=8% style="border:none;border-bottom:solid windowtext 1.0pt;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 </tr>
<tr>
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=bottom width=38% style="border:none;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
  and Named Executive Officers</font></i></b></p>
  </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=33% style="border:none;border-top:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=bottom width=19% style="border:none;border-top:solid windowtext 1.0pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Julian S. Incl</font><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#225;n&nbsp;</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:97.8pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">12,680</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:97.8pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">8,340</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Pablo
  I. Altieri</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:97.8pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">2,536</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Francisco
  Arriv&#237;</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:97.8pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">380</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 <td colspan=3 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233;
  E. Rossi</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:97.8pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">5,072</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:12.25pt;">
  <td colspan=2 valign=top width=38% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:60.9pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">13,908</font></p>
  </td>
 <td valign=top width=1% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=19% style="height:12.25pt;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 </tr>
<tr style="height:.2in;">
  <td colspan=2 valign=top width=38% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><i><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Directors
  and Executive Officers as a Group</font></i></b><sup><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2</font></b></sup></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=33% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:60.9pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">56,936</font></p>
  </td>
 <td valign=top width=1% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.3pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=top width=19% style="height:.2in;padding:0in .7pt 0in .7pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:3.8pt;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=8% style="border:none;padding:0in 0in 0in 0in;"><p style="margin:0in;margin-bottom:.0001pt;"><font face=Calibri,sans-serif style="font-size:11.0pt;">&nbsp;</font></p></td>
 </tr>
<tr height=0>
  <td width=8% style="border:none;">&nbsp;</td>
 <td width=30% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=7% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=25% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=7% style="border:none;">&nbsp;</td>
 <td width=1% style="border:none;">&nbsp;</td>
 <td width=11% style="border:none;">&nbsp;</td>
 <td width=8% style="border:none;">&nbsp;</td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.&#160;&#160;&#160;&#160;&#160; Unless
otherwise indicated, each of the persons named in the table beneficially holds
less than 1% of the outstanding shares of such preferred stock.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">2.&#160;&#160;&#160;&#160;&#160; The group consists of 15 persons including all
directors, Named Executive Officers, and executive officers who are not
directors.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;margin-left:.25in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face=Calibri,sans-serif lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">For
purposes of the foregoing tables, beneficial ownership is determined in
accordance with Rule 13d-3 under the Exchange Act, pursuant to which shares are
deemed to be beneficially owned by a person if he or she directly or
indirectly, through any contract, arrangement, understanding, relationship or
otherwise has or shares the power to vote or direct the voting of the shares,
and/or the power to dispose or direct the disposition of the shares, whether or
not he or she has any economic interest therein.&#160; Unless otherwise indicated in
the foregoing tables, the named beneficial owner has sole voting and investment
power with respect to the shares, subject, in the case of those directors and
officers who are married, to the marital community property laws of Puerto
Rico.&#160; Under Rule 13d-3, a person is deemed to have beneficial ownership of any
shares of common stock which he or she has a right to acquire within 60 days,
including, without limitation, pursuant to the exercise of any option, warrant
or right.&#160; Shares of common stock which are subject to such options or other
rights of acquisition are deemed to be outstanding for the purpose of computing
the percentage of outstanding common stock owned by such person, but are not
deemed outstanding for the purpose of computing the percentage of common stock
owned by any other person.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">11</font></font></p>



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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">INFORMATION
WITH RESPECT TO CERTAIN DIRECTORS AND</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">EXECUTIVE OFFICERS WHO
ARE NOT DIRECTORS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Set forth below is certain information
with respect to each director whose term continues.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Directors
whose terms expire in 2016</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Jos&#233;
  R. Fern&#225;ndez</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2005</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Non-Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  51</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Fern&#225;ndez is the President, CEO and a Vice Chairperson of the Board of
  Directors of the Company and Oriental Bank.&#160; He is also the Chairperson of
  the Boards of Directors of all of our other subsidiaries, and the President
  of Oriental Insurance, Inc. and Oriental International Bank, Inc.&#160; Since
  becoming CEO, Mr. Fern&#225;ndez has led our transformation into one of Puerto
  Rico&#8217;s leading banking and financial services companies today with the
  successful acquisitions of Banco Bilbao Vizcaya Argentaria&#8217;s operations in
  Puerto Rico and Eurobank.&#160; Prior to being named CEO, Mr. Fern&#225;ndez managed
  each of our core businesses and established the Company&#8217;s leadership in trust
  and retirement services in Puerto Rico.&#160; In 2013, he was appointed President
  of the Puerto Rico Banker&#8217;s Association and, in 2011, to the Community
  Depository Institutions Advisory Council established by the Federal Reserve
  Bank of New York.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Fern&#225;ndez holds a B.S. from the University of Notre Dame and an M.B.A. from
  the University of Michigan.&#160; He is a member of the Business Advisory Board of
  Notre Dame&#8217;s Mendoza Business School and of the Advisory Board of the Puerto
  Rico Conservation Trust.&#160; He also serves as Chairman of the Board of Trustees
  of Sacred Heart University, Santurce, Puerto Rico.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Board of Directors concluded that Mr. Fern&#225;ndez should serve as a director of
  the Company based on his extensive knowledge of our business, his 30 years of
  experience in the financial services industry, and his instrumental role in
  our continued success. As our CEO and Vice Chairperson, Mr. Fern&#225;ndez has
  consistently demonstrated an ability to exercise sound business judgment and
  prudent management skills.&#160; Furthermore, his active involvement in community
  and civic affairs represents an ethical character that we seek in our leaders
  and company culture.</font><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;"> &nbsp;</font></b></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  (Vice Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">13
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">417,935</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8,340</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$7,167,118</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4.14</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8.29</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Jose
  E. Rossi</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Guaynabo,
  PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2008</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  56</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Rossi is the Chairman of the Board of Directors and majority owner of Aireko,
  a multi-enterprise group engaged in industrial and commercial construction
  and real estate business in Puerto Rico and the Caribbean since 1963.&#160; He
  holds a B.A. (Civil Engineering) from Cornell University and an M.B.A. from
  The Darden Business School at the University of Virginia.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Board of Directors concluded that Mr. Rossi should serve as a director of the
  Company based on his vast management experience in the construction and
  manufacturing industries and his participation in community and industry
  associations.</font></p>
  </td>
 </tr>
</table></div>


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<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
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  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">10
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">76.9%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Corporate
  Governance and Nominating (Vice Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">50%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Compensation</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">149,468</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5,072</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$2,615,442</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">44.03</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">58.70</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Francisco
  Arriv&#237;</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 1998</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  69</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Arriv&#237; has been the President and CEO of Pulte International Caribbean LP, in
  San Juan, Puerto Rico, a subsidiary of PulteGroup, Inc. (a publicly traded
  company), since March 1999. &#160;He was the President and Chief Executive Officer
  and a director of Interstate General Properties, LP, S. E., San Juan, Puerto
  Rico, a subsidiary of Interstate General Company, LP, a publicly traded
  company, after having served as the Vice President and Chief Financial
  Officer from 1990 to 1995.&#160; He also served as a director of American
  Communities Property Trust, San Juan, Puerto Rico, a publicly traded company,
  from 1998 to 1999, and of the Puerto Rico Aqueduct and Sewer Authority (a
  Puerto Rico government instrumentality) from August 2000 to May 2001.&#160; He has
  served as a director of the Museo de Las Am&#233;ricas (a non-profit art museum in
  San Juan, Puerto Rico) since 2005.&#160; He is also a former director of the
  Puerto Rico Convention Center District Authority (a Puerto Rico government
  instrumentality).</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Board of Directors concluded that he should serve as a director of the
  Company.&#160; The Board based its conclusion on his prior experience with
  subsidiaries of publicly traded companies, his experience as a director of
  two major Puerto Rico public instrumentalities, and his extensive financial
  and managerial expertise, which make him highly qualified to fulfill his
  responsibilities as a director of the Company.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">12
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">92.3%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Risk
  and Compliance</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4
  of 4</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Compensation</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">14,128</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">820</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$255,731</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2.90</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">3.87</font></p>
  </td>
 </tr>
</table></div>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">13</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





</DIV>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_19"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Directors
whose terms expire in 2017</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Juan C. Aguayo</font></b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">,
  P.E., M.S.C.E.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2004</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  51</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Aguayo is President and CEO of various companies dedicated to construction,
  steel fabrication, industrial real estate and integrated
  design-build-maintenance services, including SSW Engineering &amp;
  Construction, LLC, Structural Steel Works, Inc., Structural Steel
  Manufacturing, Inc., SSW Realty, Inc. and DBM Group, LLC.&#160; He has also served
  on the Boards of Directors of several non-profit organizations, including the
  Board of Directors of the Associated General Contractors of America (Puerto
  Rico Chapter), and the Board of Trustees of the Sacred Heart University, San
  Juan, Puerto Rico.&#160; Mr. Aguayo holds a B.S. (Civil Engineering) from
  Princeton and a Masters (Civil Engineering) from the Massachusetts Institute
  of Technology.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Board of Directors concluded that he should serve as a director of the
  Company based on his success as a CEO in the construction and manufacturing
  industries, and his participation in business associations, which may be
  valuable towards identifying and evaluating business risks and opportunities
  for the Company.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">11
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">84.6%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Risk
  and Compliance</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4
  of 4</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Corporate
  Governance and Nominating (Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2
  of 2</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">29,272</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$487,379</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5.83</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">7.78</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Rafael F.
  Mart&#237;nez-Margarida</font></b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">, C.P.A., C.M.C.,
  C.V.A.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Guaynabo,
  PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Director
  since 2013</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Independent</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  67</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Mart&#237;nez-Margarida is a certified public accountant and management consultant
  in private practice.&#160; He also serves and chairs the Boards of Directors of
  the Puerto Rico Endowment for the Humanities and Fundaci&#243;n C. &amp; S. Levis,
  both non-profit organizations.&#160; Previously, he was the Managing Partner of
  the Puerto Rico office of PricewaterhouseCoopers LLP, where he worked from
  1977 to 2004.&#160; He also previously served as a member of the Board of
  Directors of Banco Bilbao Vizcaya Argentaria Puerto Rico (&#8220;BBVAPR&#8221;), which
  was acquired by the Company, the Government Development Bank for Puerto Rico,
  the Commonwealth&#8217;s fiscal agent, the former Telecomunicaciones de Puerto Rico
  Inc. (Puerto Rico Telephone or TELPRI), and the Sacred Heart University, San
  Juan, Puerto Rico.&#160; He holds a B.S. from Fairfield University and an M.B.A.
  from Columbia University.&#160; Mr. Mart&#237;nez-Margarida is a member of the Puerto
  Rico College of Certified Public Accountants, the American Institute of
  Certified Public Accountants, and the American Institute of Management
  Consultants.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Our
  Board of Directors concluded that he should serve as a director of the
  Company based on his over 40 years of experience advising financial
  institutions, industrial and commercial businesses, non-profit entities and
  the public sector and his previous experience serving on various boards of
  directors.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=55% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board
  and Committees</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=17% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Meeting</font></b></p>
  </td>
 <td valign=top width=5% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="background:#D9D9D9;border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Attendance</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Board</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">13
  of 13</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">10
  of 11</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">90.9%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=55% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Risk
  and Compliance (Chair)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4
  of 4</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">100%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">8,141</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$135,548</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">N/A</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2.53</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Executive
officers who are not directors</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following information is provided
with respect to the executive officers who do not serve on our Board of
Directors.&#160; There are no arrangements or understandings pursuant to which any
of the following executive officers was selected as an officer of the Company.&#160;
No executive officer is related to any of our directors or executive officers,
by blood, marriage or adoption (excluding those that are more remote than first
cousin).</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">15</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh Kumar</font></b></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Executive
  Vice President and Chief Financial Officer</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  50</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">As
  Executive Vice President and Chief Financial Officer, Mr. Kumar is
  responsible for corporate finance, strategic planning, accounting and
  financial reporting, and business analytics.&#160; In addition, he manages
  administrative functions, such as human resources and information
  technology.&#160; Previously, he served as our Chief Operating Officer and Chief
  Risk Officer.&#160; Before joining the Company in 2004, he was a director of
  consulting at Gartner Inc. (NYSE: IT), an industry leading research and
  advisory firm where he assisted a wide array of financial service companies
  develop technology-enabled strategies and operational plans to meet desired
  results.&#160; Prior to Gartner, he was a manager at McKesson Corporation (NYSE:
  MCK) from 1997 to 1999; a planning and technology architect at
  Intercontinental Hotels Group (NYSE: IHG) from 1995 to 1997; and a consultant
  to financial services clients worldwide from 1986 to 1995.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Target</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">123,464</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">18,408</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$2,515,876</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5.30</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5.30</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">, Esq.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Senior
  Vice President and Treasurer</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  51</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Rosado has 22 years of experience in bank treasury and investment portfolio
  management.&#160; Prior to joining the Company in October 2010, he was the
  Treasurer and Chief Investment Officer of Westernbank Puerto Rico, and before
  that, he was Executive Vice President and Treasurer of BBVAPR.&#160; He served as
  a member of the Executive Committees and Asset and Liability Management
  Committees of both banks.&#160; Mr. Rosado has a B.S. (Finance) from Georgetown
  University, an M.B.A. from George Washington University, and a Juris Doctor
  from the University of Puerto Rico.&#160; He is admitted to practice law in Puerto
  Rico.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Minimum Requirement</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">19,700</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$328,005</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2.66</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1.33</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">C&#233;sar Ortiz</font></b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">,
  C.P.A., Esq.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Senior
  Vice President and Chief Risk Officer</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  50</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Mr.
  Ortiz was appointed Chief Risk Officer again in July 2014 after having served
  first as our Controller and then as our Chief Accounting Officer.&#160; Prior to
  joining the Company, he worked at Doral Financial Corporation as Chief
  Accounting Officer and Controller.&#160; He started his career in the financial
  services industry at PricewaterhouseCoopers, LLP where he attained the
  position of Senior Manager.&#160; Mr. Ortiz received his B.S. (Business
  Administration) from the University of Puerto Rico and his Juris Doctor from
  the Interamerican University.&#160; He is a Certified Public Accountant, Certified
  Management Accountant, Certified Financial Manager and Certified Bank
  Auditor, and is admitted to practice law in Puerto Rico.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Target</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">25,050</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$417,083</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">3.59</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1.80</font></p>
  </td>
 </tr>
</table></div>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></i></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Maritza Arizmendi</font></b><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">,
  C.P.A., Esq.</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Senior
  Vice President of Corporate Finance and Chief Accounting Officer</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, PR</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Age:
  46</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=75% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ms.
  Arizmendi was appointed as our Chief Accounting Officer in July 2014 in
  addition to her responsibilities as our Senior Vice President of Corporate
  Finance.&#160; Previously at BBVAPR, she served in turn as Chief Financial Officer
  and Treasurer, Senior Vice President of Financial Planning, and Vice
  President of Risk Management.&#160; Prior to its acquisition by BBVAPR, Ms.
  Arizmendi was a Vice President of Loan Review at Poncebank.&#160; She started her
  career at PricewaterhouseCoopers LLP, where she attained the position of
  Senior Auditor.&#160; Ms. Arizmendi received her B.S. (Accounting) and Juris
  Doctor from the University of Puerto Rico.&#160; She is a Certified Public
  Accountant and is admitted to practice law in Puerto Rico.</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td colspan=9 valign=top width=100% style="background:#D9D9D9;border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Company
  Securities Held as of December 31, 2014:</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Common
  Shares, RSUs and Exercisable Stock Options</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Preferred
  Stock</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Total
  Value</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Stock Ownership Target</font></b></p>
  </td>
 <td valign=bottom width=5% style="background:#D9D9D9;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="background:#D9D9D9;border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Multiple
  of Compensation</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">5,100</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">$84,915</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">N/A</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0.38</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">BOARD INDEPENDENCE,
LEADERSHIP STRUCTURE AND RISK OVERSIGHT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Except
for Jos&#233; Rafael Fern&#225;ndez, who is our President and CEO, all of our directors
are &#8220;independent&#8221; pursuant to the corporate governance listing standards
adopted by the New York Stock Exchange (&#8220;NYSE&#8221;) for listed companies.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors has adopted standards and definitions to
assist it in the evaluation of the independence of its members.&#160; The standards
and definitions adopted by the Board describe various types of relationships
that could potentially exist between a director and the Company and sets
thresholds at which such relationships would be deemed to be material.&#160; If no
relationship or transaction exists that would disqualify a director from being
independent under such standards and definitions, and no other relationships or
transactions exist of a type not specifically mentioned therein that in the
Board&#8217;s opinion, taking into account all facts and circumstances, would impair
a director&#8217;s ability to exercise his or her independent judgment, the Board
will deem such director to be independent.&#160; Such standards and definitions are
available on our website at </font><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
corporate leadership structure entails a split in the roles of the Chairperson
of the Board and the CEO.&#160; The position of Board Chairperson is held by Mr. Incl&#225;n,
an independent director, whereas the position of CEO is held by Mr. Fern&#225;ndez.&#160;
We believe that the separation of the Chairperson and CEO positions is the most
appropriate structure for us at this time because it (i) promotes a balance of
power; (ii) provides a more effective channel for our Board of Directors to
express its views on management; (iii) provides our CEO with more independent
guidance and feedback on his performance; and (iv) allows our Board of
Directors to more effectively monitor corporate governance, risk oversight, and
fulfill regulatory requirements.&#160; Moreover, such split allows our CEO to focus
on leading the Company, while our Chairperson can focus on leading the Board.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In order to
align the interests of our directors and top executives with our shareholders,
the Board adopted the Officers and Directors Stock Ownership Policy.&#160; Pursuant
to such policy, our directors are required to hold common and preferred stock
of the Company with a total value that is not less than four times their annual
cash compensation within a period of 3 years of their first equity award.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
Board of Directors, its Audit Committee, Compensation Committee, and Risk and
Compliance Committee, the Credit Committee of Oriental Bank&#8217;s Board of
Directors and management&#8217;s Asset and Liability Management Committee (the &#8220;ALCO
Committee&#8221;), Executive Credit Committee and Risk Management and Compliance
Committee, are actively involved in overseeing the management of the risks
involved in our business and operations. &#160;However, the Board ultimately
determines the level of risk that is acceptable for the Company within general
guidelines and regulatory requirements.&#160; The Board considers that effective
risk management is a fundamental part of good management practice and is
committed to maintaining sound risk management systems.&#160; To this end, the Board
is responsible for adopting several risk policies and reviewing the
effectiveness of our risk management program.&#160; In order to appropriately
discharge their risk oversight functions, the Board, the Audit Committee, the
Compensation Committee, and the Risk and Compliance Committee have access to
senior management and the right to consult with and retain independent legal
and other advisors at our expense pursuant to our Corporate Governance
Principles and Guidelines.&#160; The Board, the Audit Committee and the Risk and
Compliance Committee also regularly meet with and receive written reports from
senior management, including our Chief Risk Officer</font><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;"> </font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">and Internal
Audit Department, who evaluate significant risk exposures and contribute to our
risk management and internal control system.&#160; The Compensation Committee
assists the Board in ensuring that our compensation program encourages
decision-making that is in the best long-term interest of the Company and its
shareholders as a whole, and does not encourage excessive or inappropriate
risk-taking.&#160; Moreover, the ALCO Committee has responsibility for overseeing
the management of our assets and liabilities to balance our risk exposures.&#160; Its
principal objective is to enhance profitability while maintaining appropriate
levels of liquidity and interest rate risks.&#160; The Credit Committee of the
Bank&#8217;s Board and the Executive Credit Committee have responsibility for setting
strategies to achieve our credit risk goals and objectives in accordance with
the credit policy approved by our Board of Directors.&#160; The Risk Management and
Compliance Committee has responsibility for the implementation of our risk
management program.&#160; In sum, all such committees assist and report to the Board
in connection with the monitoring and oversight of certain risks and/or the
implementation of the policies and objectives adopted by the Board.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">BOARD MEETINGS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors held thirteen
meetings in 2014.&#160; No incumbent director attended fewer than 75% of the
aggregate of the total number of Board meetings and the total number of
meetings of Board committees in which he served in that year.&#160; Board members
are required to attend our annual meeting of shareholders.&#160; All Board members
then in office attended last year&#8217;s annual meeting of shareholders, except for
Mr. Francisco Arrivi who was excused.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">EXECUTIVE MEETINGS OF
NON-MANAGEMENT DIRECTORS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors holds regular
meetings of &#8220;non-management directors&#8221; (that is, directors who are not
executive officers of the Company) to promote open discussions and better
communication among such directors concerning our CEO&#8217;s performance.&#160; Julian S.
Incl&#225;n, the Chairperson of the Board, has been chosen to preside at such
meetings.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">BOARD
COMMITTEES</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors has four standing
committees: the Audit Committee, the Risk and Compliance Committee, the
Compensation Committee, and the Corporate Governance and Nominating Committee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Audit Committee assists our Board of Directors in its oversight of our financial reporting process and meets regularly without management&#8217;s presence.&#160; It fulfills its oversight
responsibilities by reviewing:&#160; (a) the integrity of the financial reports and other financial information provided by us to any governmental or regulatory body
or to the public; and (b) our auditing, accounting, and financial reporting processes generally.&#160; The members of this committee are Pedro Morazzani, Chairperson,
Rafael F. Mart&#237;nez, Radam&#233;s Pe&#241;a, and Julian S. Incl&#225;n.&#160; Our Board of Directors
has determined that each member of this committee is financially literate or
has accounting or related financial management expertise, and that Pedro
Morazzani is the &#8220;audit committee financial expert,&#8221; as such term is defined in
Item 407(d)(5) of U.S. Securities and Exchange Commission (&#8220;SEC&#8221;) Regulation
S-K.&#160; It met 11 times in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Audit Committee operates pursuant to a written charter that has been approved
by our Board of Directors, a current copy of which is available on our website
at </font><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; All of its
members are independent directors as required by the NYSE and the SEC.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The newly formed Risk and Compliance
Committee assists our Board of Directors in its oversight of our internal controls,
enterprise risk management, and legal and regulatory compliance, and meets
regularly without management&#8217;s presence.&#160; It fulfills its oversight
responsibilities by reviewing our systems of internal controls regarding
finance, accounting, legal and regulatory compliance, and ethics that
management and our Board of Directors have established.&#160; The members of this
committee are Rafael F. Mart&#237;nez-Margarida, Chairperson, Francisco Arriv&#237;, Juan
C. Aguayo, and Julian Incl&#225;n.&#160; It met 4 times in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Risk and Compliance Committee operates pursuant to a written charter that has
been approved by our Board of Directors, a current copy of which is available
on our website at </font><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160;
All of its members are independent directors.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee discharges the responsibilities of our Board of
Directors relating to compensation of our directors and executive officers, and
meets regularly without management&#8217;s presence.&#160; Its general responsibilities
are:&#160; (a) reviewing and approving corporate goals and objectives relevant to
the compensation of the CEO; (b) evaluating the CEO&#8217;s performance in light of
those goals and objectives; (c)&nbsp;making recommendations to our Board of
Directors with respect to CEO, director, and executive officer compensation,
incentive and equity-based compensation plans; (d) producing a committee report
on executive compensation; and (e) conducting an annual performance evaluation
of itself.&#160; This committee also administers our equity-based compensation plan
and is given absolute discretion to, among other things, construe and interpret
the plan; to prescribe, amend and rescind rules and regulations relating to the
plan; to select the persons to whom plan awards will be given; to determine the
number of shares subject to each plan award; and to determine the terms and
conditions to which each plan award is subject.&#160; The members of this committee
are Francisco Arriv&#237;, Chairperson, Jos&#233; E. Rossi, Jorge Col&#243;n-Gerena, and
Julian Incl&#225;n.&#160; It met 2 times in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee operates pursuant to a written charter that has been
approved by our Board of Directors, a current copy of which is available on our
website at </font><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#160; All of its members are independent directors as
required by the NYSE.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Corporate Governance and Nominating Committee assists our Board of Directors
by:&#160; (a) identifying individuals qualified to become directors consistent with
criteria approved by the Board; (b) selecting or </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">recommending
that the Board select the director nominees for the next annual meeting of
shareholders; (c)&nbsp;developing and recommending to the Board a set of
corporate governance principles applicable to us that are consistent with sound
corporate governance practices and in compliance with applicable legal,
regulatory, or other requirements; (d) monitoring and reviewing any other
corporate governance matters which the Board may refer to this committee; and
(e) overseeing the evaluation of the Board and management.&#160; It meets regularly
without management&#8217;s presence.&#160; The members of this committee are Juan Carlos
Aguayo, Chairperson, Jos&#233; E. Rossi, Jorge Col&#243;n-Gerena, and Julian S. Incl&#225;n.&#160;
It met two times in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Corporate Governance and Nominating Committee operates pursuant to a written
charter that has been approved by our Board of Directors, a current copy of
which is available on our website at www.ofgbancorp.com.&#160;
All of its members are independent directors as required by the NYSE.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant
to our by-laws, no nominations for directors, except those made by our Board of
Directors upon the recommendation of the Corporate Governance and Nominating
Committee, will be voted upon at the annual meeting unless other nominations by
shareholders are made in writing, together with the nominee&#8217;s qualifications
for service and evidence of his or her willingness to serve on our Board of
Directors, and delivered to the Secretary of the Board at least 120 days prior
to the anniversary date of the mailing of proxy materials in connection with
last year&#8217;s annual meeting.&#160; Ballots bearing the names of all of the persons
nominated by our Board of Directors and by shareholders, if properly made, will
be provided for use at the annual meeting.&#160; The Corporate Governance and
Nominating Committee has not established any specific, minimum qualifications
that it believes must be met by a nominee recommended by such committee for a
position on our Board of Directors.&#160; The committee instead considers general
factors, including, without limitation, the candidate&#8217;s experience with other
businesses and organizations, the interplay of such experience with the
experience of other Board members, and the extent to which the candidate would
be a desirable addition to the Board and any of its committees.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Corporate Governance and Nominating Committee generally identifies qualified
candidates on the basis of recommendations made by existing directors,
management, or independent consultants.&#160; There are no differences in the manner
in which the committee evaluates nominees for director based on whether the
nominee is recommended by a shareholder.&#160; The committee will consider potential
nominees by management, shareholders or other members of the Board, and develop
and evaluate information from a variety of sources regarding the potential
nominee before making a decision.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant
to its charter, the Corporate Governance and Nominating Committee considers
diversity, among other factors such as competencies, experience, age and other
appropriate qualities, to determine which candidates it recommends to our Board
of Directors for approval as nominees.&#160; The committee focuses mainly on
achieving a balance of experience on the Board that represents a cross-section
of the local community, including directors with experience in the public and
private sector, experience in the medical, legal and accounting professions,
and experience in a variety of industries relevant to our business needs.&#160; To
achieve such balance, the committee annually updates and reviews a Board skills
matrix to determine any shortcomings in the diversity and competencies of the
Board and to assist in identifying nominees for directors that have the skills
and knowledge to strengthen the Board.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">CORPORATE GOVERNANCE PRINCIPLES AND
GUIDELINES</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
have adopted a set of Corporate Governance Principles and Guidelines to promote
the functioning of our Board of Directors and its committees, to protect and
enhance shareholder value, and to set forth a common set of expectations as to
how the Board, its various committees, individual directors and management
should perform their functions.&#160; We have also adopted a Code of Business
Conduct and Ethics that reaffirms our basic policies of </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">business
conduct and ethics for our directors, officers, employees and agents.&#160; It
consists of basic and general standards of business as well as personal
conduct.&#160; The Corporate Governance Principles and Guidelines and the Code of
Business Conduct and Ethics are available on our website at </font><u><font color=black face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font color=blue face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Any shareholder who desires to contact
our Board of Directors or any of its members may do so by writing to:&#160;
Chairperson of the Board, OFG Bancorp, P.O. Box 195145, San Juan, Puerto Rico
00919-5145.&#160; Alternatively, any interested party, including, without
limitation, shareholders and employees, may communicate directly with the
independent members of the Board or report possible legal or ethical
violations, including, without limitation, concerns regarding questionable
accounting or auditing matters.&#160; Any such interested party may direct his or
her written communication or report, anonymously, to the Chairperson of the
Audit Committee.&#160; The mailing, postage prepaid, should be marked &#8220;confidential&#8221; and addressed as follows:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=top width=44% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Chairperson
  of Audit Committee</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">OFG
  Bancorp</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">P.O. Box 195145</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">San Juan, Puerto Rico 00919-5145</font></p>
  </td>
 <td valign=top width=7% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">or</font></p>
  </td>
 <td valign=top width=49% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Chairperson
  of Audit Committee</font></p>
  <p style="margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">OFG
  Bancorp</font></p>
  <p style="margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Oriental
  Center</font></p>
  <p style="margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">254
  Mu&#241;oz Rivera Avenue, 15<sup>th</sup> Floor</font></p>
  <p style="margin-bottom:.0001pt;margin-left:12.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">San
  Juan, Puerto Rico 00918</font></p>
  </td>
 </tr>
</table></div>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">PROPOSAL 2:
ADVISORY VOTE ON EXECUTIVE COMPENSATION</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Pursuant to the Dodd-Frank Wall
Street Reform and Consumer Protection Act (the &#8220;Dodd-Frank Act&#8221;), we are
required to have a separate non-binding shareholder vote to approve the
compensation of our Named Executive Officers at least once every three years.&#160;
This is commonly known as a &#8220;say-on-pay&#8221; vote.&#160; At the annual meeting of
shareholders held in 2011, a majority of our shareholders voted in favor of
holding the say-on-pay vote every year.&#160; As previously disclosed, the Company
has decided to hold such vote every year until the next shareholder advisory
vote on the frequency of future advisory votes on executive compensation.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
have in place a comprehensive executive compensation program under the
oversight of the Compensation Committee of our Board of Directors.&#160; Our program
is described under the heading &#8220;Compensation Discussion and Analysis&#8221; and in
the tabular and narrative disclosures related to Named Executive Officers in
this proxy statement.&#160; The Compensation Committee continually monitors the
program as well as general economic, regulatory and legislative developments
affecting executive compensation.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
executive compensation program is intended to reward
achievements of individual and business performance objectives, and to align
such objectives with our corporate governance principles and the creation of
shareholder value.&#160; Our main objective is to attract and retain the most
talented and effective executive team for the Company by providing an
appropriate mix of fixed versus variable compensation while emphasizing
pay-for-performance in accordance with our short and long term goals.&#160; We will
continue to pursue compensation arrangements that are intended to align the
financial interests of our executives with the long-term interests of our
shareholders.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">This
proposal gives you the opportunity to vote for or against, or abstain from
voting on, the following resolution related to the compensation of our Named
Executive Officers:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:.5in;margin-right:.5in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">RESOLVED, that the
compensation paid to the Company&#8217;s named executive officers disclosed pursuant
to Item 402 of Regulation S-K, including the Compensation Discussion and
Analysis, compensation tables and narrative discussion, is hereby APPROVED.</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Since your vote is advisory, it
is not binding on the Company or our Board of Directors, and may not be
construed as overruling any of our executive compensation decisions.&#160; However,
our Board of Directors and its Compensation Committee may take into account the
voting results when considering future compensation arrangements.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors recommends that
you vote &#8220;FOR&#8221; this proposal.</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;text-transform:uppercase;">Proposal 3:
Ratification of SELECTION of Independent REGISTERED PUBLIC ACCOUNTING FIRM</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Audit
Committee of our Board of Directors intends to appoint KPMG LLP (&#8220;KPMG&#8221;) as our
independent registered public accounting firm for the year ending December 31,
2015, and has further directed that the selection of such firm be submitted for
ratification by the shareholders at this annual meeting.&#160; KPMG has served as
our independent registered public accounting firm since 2005.&#160; Neither our
articles of incorporation nor our by-laws require that our shareholders ratify
the selection of such firm.&#160; If our shareholders do not ratify the selection,
the Audit Committee will reconsider whether or not to retain KPMG, but may
nonetheless retain it.&#160; Even if the selection is ratified, the Audit Committee,
in their discretion, may change the appointment at any time during the year if
they determine that such change would be in our best interest.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">KPMG
will have representatives present at the annual meeting who will have an
opportunity to make a brief statement if they desire to do so, and who will be
available to respond to appropriate questions that may arise.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;">Our Board of
Directors recommends that you vote &#8220;FOR&#8221; this proposal.</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">INDEPENDENT AUDITOR</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">KPMG
LLP (&#8220;KPMG&#8221;) served as our independent registered public accounting firm for
the year ended December 31, 2014.&#160; The services that KPMG provided to the
Company and its subsidiaries included the examination of our consolidated
financial statements, limited revisions of our quarterly reports, audits of
some of our subsidiaries, audits of our employee benefits plan, services
related to our filings with the SEC and other regulatory agencies, and
consultations on various tax and accounting matters.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Audit Committee reviewed and approved all audit and non-audit services rendered
by KPMG to the Company and its subsidiaries, and concluded that the provision
of such services was compatible with the maintenance of KPMG&#8217;s independence in
the conduct of its auditing functions.&#160; The Audit Committee has adopted a
pre-approval policy regarding the procurement of audit and non-audit services,
which is available on our website at </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; The Audit
Committee intends to review such policy periodically.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">KPMG
will have representatives present at the annual meeting who will have an
opportunity to make a brief statement if they desire to do so, and who will be
available to respond to appropriate questions that may arise.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The aggregate
fees billed by KPMG for the years ended December&nbsp;31, 2014 and 2013 for the
various services provided to the Company and its subsidiaries were as follows:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=32% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Type of Fees</font></b></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=26% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Year Ended December&nbsp;31, 2014 ($)</font></b></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=26% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Year Ended December&nbsp;31, 2013 ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="border:none;padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit
  Fees</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:11.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,412,016</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:12.6pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,427,025</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Audit-Related
  Fees</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:11.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:12.6pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Tax
  Fees</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:11.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">79,572</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:12.6pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">126,619</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">All
  Other Fees</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:11.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:12.6pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">1,650</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=32% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;border-bottom:double windowtext 2pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:11.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,491,588</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 6.0pt 0in 6.0pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;border-bottom:double windowtext 2pt;padding:0in 6.0pt 0in 6.0pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:12.6pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,555,294</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">As
defined by the SEC, (i) &#8220;audit fees&#8221; are fees for professional services
rendered by our principal accountant for the audit of our annual financial
statements, including the audit of our internal control over financial
reporting, and review of financial statements included on our Forms&nbsp;10-Q,
or for services that are normally provided by the accountant in connection with
statutory and regulatory filings or engagements for those years; (ii)
&#8220;audit-related fees&#8221; are fees for assurance and related services by our principal
accountant that are reasonably related to the performance of the audit or
review of our financial statements, and consisted of employee benefit plan
audits, accounting consultations, and services rendered in connection with a
report required by the shared-loss agreements with the FDIC; (iii) &#8220;tax fees&#8221;
are fees for professional services rendered by our principal accountant for tax
compliance, tax advice, and tax planning; and (iv)&nbsp;&#8220;all other fees&#8221; are
fees for products and services provided by our principal accountant, other than
the services reported under &#8220;audit fees,&#8221; &#8220;audit-related fees,&#8221; and &#8220;tax fees.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">COMPENSATION RISK
ASSESSMENT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
compensation program is a key component of the Company&#8217;s overall compliance and
pay-for-performance culture.&#160; The Board&#8217;s Compensation Committee, with the
assistance of our internal risk management staff, regularly reviews this
program and does not believe that the risks arising from our compensation
policies and practices are reasonably likely to have a material adverse effect
on the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
believe that our approach to setting goals and targets with payouts at multiple
levels of performance and the evaluation of annual performance results assist
in mitigating excessive risk-taking that could harm our value or reward poor
judgment by our executives.&#160; Several features of our compensation program
reflect sound risk management practices, including our Compensation Recoupment
Policy and our Directors and Officers Stock Ownership Policy, which are
described below under the heading &#8220;Compensation Discussion and Analysis.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
allocate compensation among base salary and incentive compensation (bonus and
equity awards) to target opportunities in such a way as to not encourage
excessive risk-taking.&#160; Furthermore, although the performance measures that
determine bonus and equity awards for certain business unit leaders are based
in part on the achievements of their respective business units, the measures
that determine payouts for all of our executives include company-wide metrics.&#160;
Such metrics, which are not controlled or overly influenced by the results of
any single business unit, are given greater weight in the case of NEOs.&#160; This
is based on our belief that applying company-wide metrics encourages
decision-making that is consistent with our philosophy and that is in the best
long-term interests of the Company and its shareholders as a whole.&#160; Moreover,
the mix of equity awards in our incentive program, which includes full value
awards such as restricted stock units, and the minimum stock ownership
requirements applicable to our top executives also mitigate risk.&#160; In addition,
the multi-year vesting of our equity awards properly accounts for the time
horizon of risk.&#160; Finally, each employee&#8217;s compliance with our internal policies
and procedures, including ethics standards, is an important element of our
annual bonus determinations.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">23</font></font></p>



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</DIV>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_29"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">COMPENSATION
DISCUSSION AND ANALYSIS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Overview</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
are guided by the principle that our compensation program must not only promote
our long-term success, but also provide significant rewards for outstanding
financial performance while establishing clear consequences for
under-performance.&#160; To this end, each element of compensation takes into
account not only our competitive position and goals, but also each executive&#8217;s
individual performance, commitment and achievements.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Compensation
Philosophy and Objectives</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The compensation program for our
executives, including our Named Executive Officers, is intended to reward
achievements of individual and business performance objectives, and align such
objectives with our corporate governance principles and the creation of
shareholder value.&#160; It is also intended to attract and retain the most talented
and effective executive team for us.&#160; Accordingly, the main objectives of our
compensation program are to:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.0in;margin-right:0in;margin-top:0in;text-indent:-.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Attract and retain seasoned executives;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
&#160;Reward superior performance and risk management at competitive levels;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Promote teamwork and collaboration;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Create long-term financial incentives; and</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&#8226;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
Increase stock ownership.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
general philosophy for setting executive compensation is to increase base
salary only in the case of promotions or as necessary in light of compensation
data for comparable positions at peer group companies.&#160; Furthermore, a
significant component of our compensation program for executives, including the
NEOs, is incentive (variable) compensation that is tied to financial,
operational and strategic results.&#160; Therefore, such compensation may vary
depending on the level of achievement of specific performance measures linked
to our business goals.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee of our Board of Directors plays a key role in the
development of our compensation program.&#160; It consists entirely of independent
directors and operates under a written charter approved by our Board of
Directors, which is publicly available at </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Each
meeting of the Compensation Committee has an agenda established in accordance
with an annual calendar set by its Chairperson in consultation with the
Chairperson of the Board, senior management and the committee members.&#160;
Additional discussion topics related to external or internal events are added
to the agenda from time to time as necessary.&#160; The Compensation Committee
receives and reviews materials in advance of each meeting, including
information on management&#8217;s analyses and recommendations.&#160; As appropriate, it
looks to our senior management and our Human Resources and Internal Audit
Departments for support in its work.&#160; Our senior management has considered in
making its recommendations, among other information, an industry compensation
and benefits study sponsored by the Puerto Rico Bankers Association and
prepared by a compensation consultant.&#160; While the Compensation Committee values
input and advice from these and other sources, it meets from time to time in
executive sessions without the presence of management and exercises its
independent judgment in reaching its decisions.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
are cognizant of our competitive environment for superior executive talent and
seek to maintain a compensation strategy that is competitive in the financial
services industry in Puerto Rico.&#160; In evaluating our compensation program and
authorizing bonus or equity grants under this program, the Compensation
Committee </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">takes into account several factors,
including the total compensation package, individual and business performance,
risk management, total compensation-related expense, and percentage of income
allocated to compensation-related costs.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">2014
Advisory Vote on Executive Compensation</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">At
the 2014 annual meeting of shareholders, our shareholders expressed their
continued support of our executive compensation program by approving the
compensation of NEOs.&#160; Approximately 97.91% of the votes cast supported our
executive compensation program.&#160; Following the advisory vote, we continue to
believe that our executive compensation program is designed to support the
Company and our business strategies in concert with our compensation
philosophies and objectives.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Elements
of Compensation</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">To
assure the appropriate mix of fixed versus variable compensation and focus on
both short and long-term business performance, we have established four basic
elements for our executive compensation program: base salary, annual cash bonus
awards, long-term equity-based compensation, and change-in-control compensation.&#160;
It is the Compensation Committee&#8217;s intention that the compensation paid to our
NEOs be deductible by the Company for Puerto Rico income tax purposes, unless
there are valid compensatory reasons for paying nondeductible amounts in order
to ensure competitive levels of total compensation.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Base
Salary</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Base salary is generally designed to be
competitive with comparable executive positions in peer group companies in the U.S. and Puerto Rico.&#160; However, each executive&#8217;s actual salary varies based on the complexity and
unique challenges of his or her position, individual skills, experience,
background and performance.&#160; Survey data for corporate executive salaries in
Puerto Rico is also taken into consideration in determining any periodic
increases.&#160; Base salaries for NEOs are reviewed at least annually by the
Compensation Committee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Annual
Cash Bonus Awards</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Our annual cash bonus awards reflect
a combination of two key elements: level of attainment of business performance
targets and individual performance ratings.&#160; Business performance targets
consist of company and business unit targets based on annual performance goals
approved by the Compensation Committee.&#160; We maintain performance scorecards for
measuring financial, operational and strategic results to determine the level
of attainment of our annual performance goals, and assign a weight to each
performance measure, with the sum of the weights equal to 100%.&#160; Each
executive&#8217;s performance bonus is based on one or more of the corporate
scorecard and the business unit scorecards applicable to the executive.&#160;
Individual performance evaluations are also considered for our Senior Vice
Presidents.&#160; A minimum rating on the individual performance evaluations is
always required to be eligible for any annual cash bonus.&#160; Each target bonus is
expressed as a percentage of the executive&#8217;s base salary.&#160; We may also grant
additional special bonuses from time to time to executives in recognition of
extraordinary contributions that may not be reflected in the results of their
scorecards.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
annual cash bonus award for our Chief Executive Officer and Chief Financial
Officer is based solely on the results of our corporate scorecard.&#160; For our
other Senior Vice Presidents, it is based on a combination of the corporate scorecard
and the scorecard results of one or more business units.&#160; In addition to the
corporate and business unit scorecards, the annual cash bonuses for our Senior
Vice Presidents take into account the results of their individual performance
evaluations.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Long-Term
Incentive Compensation</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Our long-term incentives are
designed to ensure that executives have a continuing stake in our success and
to encourage executives to focus on multi-year performance goals that will
enhance the value of our franchise and capital stock.&#160; Such incentives are also
designed to retain key executives, reward risk management, and link executive
performance to the creation of franchise and shareholder value.&#160; </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pursuant to our Officers and Directors Stock Ownership
Policy, we require our NEOs (among other officers) to own a minimum amount of
our common and preferred stock equal to four times annual base salary in the
case of our CEO, three times annual base salary in the case of certain
executive officers, including our CFO, and two times annual base salary in the
case of other key officers, including our Chief Risk Officer, Chief Accounting
Officer and Treasurer.&#160; We believe that this policy further aligns their
interest with that of our shareholders.&#160; Furthermore, our equity awards have
long-term vesting and restricted periods of three to five years.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
Omnibus Plan, an equity based performance incentive plan, provides for awards
of stock options, restricted shares, restricted stock units, performance
shares, performance units, stock appreciation rights, and dividend equivalent
rights.&#160; The Compensation Committee has discretion to grant awards from time to
time under the Omnibus Plan, to determine the eligible individuals to whom
awards will be granted, and to establish the terms and conditions of each
award.&#160; Moreover, the Compensation Committee has approved the establishment of
performance metrics in connection with the issuance of equity awards.&#160; The
Company expects the performance metrics to be determined and taken into consideration
for the equity awards to be granted to our executives for their performance in
2014.&#160; We believe that the Omnibus Plan reflects current trends at peer group
companies and that it strengthens the link between executive performance and
shareholder value.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Change-in-Control
Compensation</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; An important objective of our
compensation program is not only the recruitment of seasoned executives but
also their retention and commitment to our long-term success.&#160; Therefore, to
promote their retention and reduce any concerns that they may be adversely
affected in the event of a change-in-control of the Company, we have entered
into a change-in-control compensation agreement with our CEO and CFO pursuant
to which the executive is entitled to a cash payment equal to two times the sum
of his or her annual base salary and last cash bonus if there is a change in
control and as a result thereof or within one year thereafter his or her
employment is terminated.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Fringe Benefits and Allowances</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160;
We provide several fringe benefits, including a defined contribution plan and
healthcare coverage, to our NEOs.&#160; These benefits do not constitute a
significant portion of the NEOs&#8217; total compensation package and are generally
available to all of our employees.&#160; We also offer our NEOs a non-qualified
deferred compensation plan for the deferral of taxable income and certain
allowances.&#160; Such allowances are offered on a case-by-case basis and are not
intended to constitute a significant portion of the executive&#8217;s compensation.&#160;
Our non-qualified deferred compensation plan is more fully described
hereinbelow.&#160; We provide these benefits to retain and attract an appropriate
caliber of talent and recognize that other companies with which we compete for
talent provide similar benefits to their officers and employees.&#160; Such benefits
and allowances are reviewed annually by the Compensation Committee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Compensation
Recoupment</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Our Compensation Recoupment Policy, adopted in
anticipation of the proposal and implementation of new SEC regulations and NYSE
listing standards pursuant to the Dodd-Frank Act, requires that our top
executives, who received incentive-based compensation (e.g., bonus, annual
incentive or other performance-based cash or equity compensation awards) in the
three-year period prior to a restatement of the Company&#8217;s financial statements
due to material non-compliance with financial reporting requirements under the
applicable securities laws, return to the Company the amount of such
compensation that the executive would not have received but for the misstated
financial statements.&#160; It is anticipated that this policy may need to be
amended in order to conform to the listing standards to be adopted by the NYSE.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Determination
of Compensation Decisions</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our
decision-making process for determining executive compensation begins with a
review of our strategic objectives and business plans.&#160; We then consider the
scope of responsibilities of each executive, the compensation of </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">similar executives at peer group companies, and the
relationship between pay and performance.&#160; We further evaluate whether our
compensation program meets our goals by monitoring the performance and retention
of our executives.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee is responsible for establishing our compensation program
and for making recommendations to our Board of Directors with respect to the
compensation of our CEO.&#160; In order for the Compensation Committee to perform
its functions, the following process for determining executive compensation is
followed:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Determining
Goals</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Prior to the beginning of the year, senior
executives and department or division heads meet and discuss goals for the
Company in the upcoming year.&#160; At the beginning of such year, the Board reviews
and approves an annual budget for the Company as a whole and for its banking
subsidiary.&#160; The Compensation Committee then reviews and assesses performance
goals presented by management and determines the structure of the annual bonus
awards.&#160; These goals include minimum performance thresholds that must be met to
earn any bonus awards, as well as performance levels required to achieve
maximum payouts.&#160; Performance goals are established for each department or
division of the Company and for certain executives.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
establishment of performance goals and the review of the level of achievement
of such goals play an essential role in the determination of performance
awards.&#160; On a quarterly basis during the course of the year, senior management
and our Board of Directors review our actual financial performance against the
goals set for the year.&#160; In addition, our Board of Directors receives quarterly
reports detailing our actual financial performance compared to these goals.&#160;
Such reports are discussed in the corresponding Board meetings.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Determining
Executive Compensation</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; Our method of determining
compensation for each NEO varies from case to case based on a discretionary but
objective determination of what is appropriate in light of several factors,
such as the scope, complexity and degree of challenge of each executive&#8217;s
responsibilities, as well as his or her performance, skills and experience.&#160;
Our Board of Directors and its Compensation Committee may also take into
account other relevant factors in making compensation decisions or
recommendations for NEOs, including salary data for comparable positions at
peer group companies in Puerto Rico and the U.S., and compensation levels at
the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">On
a quarterly basis, department or division heads assess their progress against
the goals set for the year and at the end of the year evaluate their results.&#160;
These self-assessments are reviewed by the CEO who together with our Human
Resources Department undertakes an evaluation of each executive&#8217;s performance
based, in part, on objective measures set forth in the performance scorecard.&#160;
The CEO considers the financial performance of the Company, the performance of
each department or division, and the individual performance of each executive
relative to the goals set for the year.&#160; In the interest of fairness, he may
also recommend subjective or non-formulaic factors for consideration by the
Compensation Committee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee annually reviews the performance evaluations of each
executive and evaluates the compensatory recommendations provided by our
management.&#160; Although the Compensation Committee is not obligated to follow any
specific recommendation or formula, it generally takes the same formula-based
approach in making its own decisions.&#160; At different times throughout the year,
upon the recommendation of the CEO or otherwise, the Compensation Committee may
grant equity awards to executives and/or directors.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Determining
CEO Compensation</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&#160; The Board approves the compensation
of the CEO.&#160; His compensation level is guided by the terms of his 2013
Employment Agreement.&#160; As provided therein, the Compensation Committee has
discretion to increase his salary after the first year, and his target performance
bonus under our annual bonus plan is set at 70% of his base salary.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





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<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In conducting its annual evaluation of
the CEO&#8217;s performance, the Compensation Committee considers the CEO&#8217;s
contributions to the overall performance of the Company, including his personal
attributes and merits.&#160; It also reviews our key operating results along with
the accomplishment of our key strategic initiatives and considers the standard
of living in San Juan, Puerto Rico, where our main offices are located.&#160; As
part of this process, the Compensation Committee reviews all relevant
information or data, including the results of our CEO&#8217;s performance scorecard
and compensation levels for chief executive officers at peer group companies.&#160;
Furthermore, the Chairmen of our Board of Directors and Compensation Committee
meet periodically with our CEO to discuss his performance.&#160; The progress
results of these meetings are reported to our Board of Directors.&#160; The CEO does
not participate in any decision regarding his compensation.&#160; Upon completing
its evaluation of the CEO&#8217;s compensation, the Compensation Committee submits
its recommendations to our Board of Directors at its next regularly scheduled
meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Compensation
Consultant</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In
2013, pursuant to a request for proposals to which two consulting firms
responded, our Compensation Committee engaged an independent compensation
consultant to review the financial terms proposed for the 2013 Employment
Agreement with our CEO and prepare a comparison of such terms with CEOs in
comparable positions at peer financial institutions.&#160; It was also engaged to
perform an evaluation of our compensation system for our key executives,
including a comparison of our compensation practices with comparable positions
at peer financial institutions, and to develop a compensation framework for
such executives that reflects our desired emphasis on incentive pay for
performance, our transformational business strategy and organizational
structure, and our unique labor market for executive talent.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Analysis
of Compensation Decisions</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">After
extensive consideration by our Compensation Committee with the assistance of
the independent compensation consultant, which took into account a competitive
review of peer banks, shareholder preferences, regulatory guides on best practices,
and our compensation philosophy and objectives, our Compensation Committee
adjusted the compensation package of our CEO and CFO by increasing their base
salaries and decreasing their target cash bonus percentages effective July 1,
2013.&#160; Such decisions remained effective during 2014.&#160; The base salaries of our
Chief Risk Officer, Chief Accounting Officer and Treasurer were increased in
2013 and 2014 in recognition of their individual performance.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In
order to determine each NEO&#8217;s performance bonus, the target cash bonus
percentage is multiplied by the executive&#8217;s base salary, which then is
multiplied by the result of his performance scorecard.&#160; Our Internal Audit
Department verifies the accuracy of such results.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below shows the target cash bonus
percentages for the NEOs in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=22% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=12% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Target Bonus %</font></b></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Performance Score<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Performance Bonus ($)<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Other<br>
  Bonus ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=22% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233; Rafael Fern&#225;ndez</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=12% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">70%</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">96.40</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">583,800</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=12% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">60%</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">96.40</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">274,800</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=12% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">30%</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">103.20</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">76,300</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">C&#233;sar
  Ortiz</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=12% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">28%</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">95.06</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">28,400</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Maritza
  Arizmendi</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=12% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">28%</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.35pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">94.72</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.3pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">64,300</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></p>

<p style="margin-bottom:0in;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">For purposes of this table, the
performance score was rounded to the nearest hundredth and the performance
bonus is rounded up to the next hundred dollars.</font></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">28</font></font></p>



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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





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<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The table below presents our
company-wide metrics for measuring performance on our corporate scorecard,
including the weight of each metric and the percent of achievement of the
target amount.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=58% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Performance
  Measure</font></b></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=17% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Weight</font></b></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">% of Target</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Earnings per Share (Diluted)</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">30</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">113.56%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Fee Income</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">15</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">89.72%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Non-Interest Expense</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">15</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">104.23%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Loan Book Balance Plus Customer
  Deposits</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">15</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">95.83%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Grow Customer Relationship Index</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">15</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">88.09%</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=58% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Risk
  Management Scorecard</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=17% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">10</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:2.7pt;margin-top:0in;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">93.00%</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:1.0in;margin-right:0in;margin-top:0in;text-indent:-.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The Compensation Committee also approved
equity awards to the NEOs for performance in 2014 as follows:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td rowspan=2 valign=bottom width=29% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td rowspan=2 width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=18% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Restricted Units</font></b></p>
  </td>
 <td rowspan=2 width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td colspan=3 valign=bottom width=44% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Stock Options</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=19% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Amount</font></b></p>
  </td>
 <td width=5% style="border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=20% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Exercise Price ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=29% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Jos&#233;
  R. Fern&#225;ndez</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.5pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">0</font></p>
  </td>
 <td width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=19% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">46,300</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">17.44</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=29% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.5pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">23,200</font></p>
  </td>
 <td width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=19% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">700</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">17.44</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=29% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.5pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">6,000</font></p>
  </td>
 <td width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=19% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">400</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">17.44</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=29% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">C&#233;sar
  Ortiz<sup>1</sup></font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.5pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=19% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=29% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Maritza
  Arizmendi</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.5pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">6,000</font></p>
  </td>
 <td width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=19% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:26.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">400</font></p>
  </td>
 <td width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">17.44</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></p>

<p style="margin-bottom:0in;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mr. Ortiz agreed to cap his annual
performance bonus at $30,000 and to stop receiving equity awards in exchange
for a reimbursement by the Company of up to $90,000 in education expenses
towards obtaining an executive M.B.A.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Compensation Committee decided to grant such awards to continue its policy of
providing long-term financial incentives and increasing stock ownership among
our executives to align their interests with our shareholders.&#160; The actual
amount awarded to such NEOs was based on their percentage targets for cash
bonus awards.&#160; In making these awards, the Compensation Committee expects to
continue to maintain our ability to retain key executives.&#160; Each award is
subject to service conditions that must be met by the executive in order for
the award to vest.&#160; Generally, each award has a vesting schedule of two to five
years.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We have entered into a change in control
compensation agreement with our CEO and CFO.&#160; The following table presents the
estimated cash compensation under their respective change-in-control
compensation agreements based on their salaries and bonuses for 2014.&#160; No such
payout has been required to date under any such agreement by the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=61% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=34% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Change-in-Control
  Cash Compensation ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=61% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Jos&#233; Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=34% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:.75in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,897,600</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=61% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=34% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:.75in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">1,499,600</font></p>
  </td>
 </tr>
</table></div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">29</font></font></p>



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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">COMPENSATION
COMMITTEE REPORT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The Compensation Committee has reviewed
and discussed the Compensation Risk Assessment and the Compensation Discussion
and Analysis (&#8220;CD&amp;A&#8221;) with management and, based on such review and
discussion, the Committee recommended to the Board of Directors that the
Compensation Risk Assessment and the CD&amp;A be included in this proxy
statement.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:247.5pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Submitted
by:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:247.5pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Francisco
Arriv&#237;, Chairperson</font></p>

<p style="margin-bottom:.0001pt;margin-left:247.5pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Jos&#233;
E. Rossi</font></p>

<p style="margin-bottom:.0001pt;margin-left:247.5pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:10.0pt;line-height:115%;">Jorge
Col&#243;n-Gerena</font></p>

<p style="margin-bottom:.0001pt;margin-left:247.5pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">Julian
S. Incl&#225;n</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">COMPENSATION COMMITTEE
INTERLOCKS AND INSIDER PARTICIPATION</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">None
of the members of the Compensation Committee has served as an officer or
employee of the Company or any of its subsidiaries, nor did any of them have
any relationship with the Company requiring disclosure under Item 404 of
Regulation S-K of the SEC.&#160; None of our executive officers served as a director
of another entity, or as a member of the compensation committee of another
entity, one of whose executive officers served as a member of our Board of
Directors or as a member of its Compensation Committee at any time during 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>





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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">30</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">EXECUTIVE COMPENSATION</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table summarizes the total
compensation earned in each of the last three years by the Named Executive
Officers.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Summary Compensation
Table</font></b></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:25.45pt;">
  <td valign=bottom width=23% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=bottom width=7% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Year</font></b></p>
  </td>
 <td valign=bottom width=9% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Salary</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=9% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Bonus</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)<sup>2</sup></font></b></p>
  </td>
 <td valign=bottom width=10% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Stock</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Awards</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)<sup>3</sup></font></b></p>
  </td>
 <td valign=bottom width=10% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Option Awards</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)<sup>3</sup></font></b></p>
  </td>
 <td valign=top width=11% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Non-Equity Incentive
  Plan Compensation ($)<sup>4</sup></font></b></p>
  </td>
 <td valign=bottom width=11% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">All Other
  Compensation</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)</font></b></p>
  </td>
 <td valign=bottom width=10% style="height:25.45pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">($)</font></b></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td valign=top width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">______________________________________</font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">_______</font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">_________</font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">_________</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">____________</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">____________</font></p>
  </td>
 <td valign=top width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">________________</font></p>
  </td>
 <td valign=top width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">________________</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">____________</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td valign=top width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font color=black face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Jos&#233;
  Rafael Fern&#225;ndez</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">President
  &amp; Chief Executive Officer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">865,000</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">333,125</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">583,800</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:8.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">107,637<sup>5</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,889,562</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2013</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">645,962</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">617,292<sup>6</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">217,327</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">570,600</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">86,583</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2,137,764</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2012</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">509,615</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">100,000</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">76,895</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">244,690</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">630,200</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">68,674</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,630,074</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Executive
  Vice President &amp; Chief Financial Officer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">475,000</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">19,320</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">172,613</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">274,800</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:8.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">69,298<sup>7</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,011,031</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2013</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">393,750</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">191,664<sup>8</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">151,416</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">263,500</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">77,139</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,077,469</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2012</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">318,510</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">43,771</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">136,420</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">222,700</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">72,424</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">793,825</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Senior
  Vice President &amp; Treasurer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">246,440</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">9,660</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">38,217</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">76,300</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,541</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">377,158</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2013</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">241,578</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">45,012</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">51,066</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">65,900</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,092</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">404,648</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2012</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">237,927</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">9,464</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">29,774</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">67,500</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,092</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">345,757</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;text-decoration:none;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Cesar
  Ortiz</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Senior
  Vice President &amp; Chief Risk Officer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">232,078</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">9,660</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">38,217</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">28,400</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:8.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">43,063<sup>9</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">351,418</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2013</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">227,508</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">8,712</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">26,720</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">61,500</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">15,421</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">339,861</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2012</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">226,247</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">9,464</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">29,774</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">70,100</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11,924</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">347,509</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;text-decoration:none;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Maritza
  Arizmendi</font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Senior
  Vice President of Corporate Finance &amp; Chief Accounting Officer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">224,311</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">9,660</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">38,217</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">64,300</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:8.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">23,955<sup>10</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">360,443</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><sup><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></sup></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><sup><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></sup></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><sup><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></sup></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:1.0pt;">
  <td width=23% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=7% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=9% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=11% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=10% style="height:1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td rowspan=3 width=23% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Norberto
  Gonz&#225;lez<sup>11</sup></font></p>
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Executive
  Vice President &amp; Chief Risk Officer</font></p>
  </td>
 <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2014</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">211,659</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">19,320</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">172,613</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">450,230<sup>12</sup></font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">853,822</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2013</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">352,500</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">37,752</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">121,133</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">179,600</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">37,924</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">728,909</font></p>
  </td>
 </tr>
<tr style="height:10.1pt;">
  <td width=7% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2012</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">336,346</font></p>
  </td>
 <td width=9% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:2.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">43,771</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.9pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">136,420</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:8.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">195,600</font></p>
  </td>
 <td width=11% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:12.95pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">37,924</font></p>
  </td>
 <td width=10% style="height:10.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:3.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">750,061</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">________________________________</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
All of the Company&#8217;s employees, including each NEO, received an additional week
of compensation in advance of schedule on December 28, 2012 in order to align
the Company&#8217;s payroll schedule with that of the acquired Puerto Rico operations
of Banco Bilbao Vizcaya Argentaria, S.A.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
These amounts represent bonuses awarded in recognition of outstanding
individual performance.&#160; The bonus awarded in 2012 is for the executive&#8217;s
outstanding performance in connection with the successful acquisition of
BBVAPR.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
Aggregate grant date fair value of awards computed in accordance with FASB ASC
Topic 718.&#160; For a discussion of the assumptions that we made in the valuation
of the option awards, please refer to the notes to our audited financial
statements.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
The non-equity incentive plan payments for each year were made in the first
quarter of the following year and intended as compensation for performance of
the NEOs during the previous year, except for $600 advanced in the last quarter
of the applicable year as a Christmas bonus.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
This amount represents $91,440 for reasonable personal expenses in the
performance of his duties, our matching contribution pursuant to our 401(k)/1081.01(d)
Plan, and payment of life insurance premiums.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">6.&#160;&#160;&#160;&#160;&#160;
This amount includes the value of 30,000 restricted units granted pursuant to
his 2013 Employment Agreement.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">7.&#160;&#160;&#160;&#160;&#160;
This amount represents $59,924 for reasonable personal expenses in the
performance of his duties, our matching contribution pursuant to our
401(k)/1081.01(d) Plan, and payment of life insurance premiums.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">8.&#160;&#160;&#160;&#160;&#160;
In recognition of his outstanding performance in connection with the successful
acquisition of BBVAPR, Mr. Kumar received a one-time special award of 10,000
additional restricted units.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">9.&#160;&#160;&#160;&#160;&#160;
This amount represents $10,000 for car allowance, $26,891 of educational
expenses and reimbursement of reasonable personal expenses in the performance
of his duties, our matching contribution pursuant to our 401(k)/1081.01(d)
Plan, and payment of life insurance premiums.&#160; Mr. Ortiz agreed to cap his
annual performance bonus at $30,000 and to stop receiving equity awards in
exchange for a reimbursement by the Company of up to $90,000 in education
expenses towards obtaining an executive M.B.A.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">10.&#160;&#160;&#160;
This amount represents $18,000 for car allowance, our matching contribution
pursuant to our 401(k)/1081.01(d) Plan, and
payment of life insurance premiums.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">11.&#160;&#160;&#160;
Mr. Gonz&#225;lez&#8217;s employment ended effective July 3, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">12.
&#160;&#160;&#160;This amount represents $22,138 for reasonable personal expenses in the
performance of his duties, our matching contribution pursuant to </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p></div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_37"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">our 401(k)/1081.01(d)
Plan, and payment of life insurance premiums.</font></p>





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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">32</font></font></p>



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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">2013 Employment Agreement</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Jos&#233;
Rafael Fern&#225;ndez entered into a three-year employment agreement with the
Company on August&nbsp;22, 2013 (the &#8220;2013 Employment Agreement&#8221;).&#160;
Mr.&nbsp;Fern&#225;ndez is our President and Chief Executive Officer and the Vice
Chairperson of our Board of Directors.&#160; The 2013 Employment Agreement is
effective as of July&nbsp;1, 2013, and replaced the employment agreement, dated
December 3, 2010 (the &#8220;2010 Employment Agreement&#8221;), between the Company and
Mr.&nbsp;Fern&#225;ndez.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">As
provided in the 2013 Employment Agreement, Mr.&nbsp;Fern&#225;ndez reports directly
to our Board of Directors and has overall responsibility for the business and
affairs of the Company.&#160; During the term of the 2013 Employment Agreement and
in any election of directors in which Mr.&nbsp;Fern&#225;ndez&#8217;s term as director is
set to expire, the Board will nominate and recommend to the shareholders of the
Company his election as a Board member and, if elected, will appoint him its
Vice Chairperson.&#160; He is compensated as follows: (i)&nbsp;annual base salary of
$865,000, which may be increased by the Compensation Committee of our Board of
Directors after the first year; (ii)&nbsp;annual performance bonus based on an
annual target bonus of 70% of his annual base salary under our non-equity
incentive bonus plan; (iii)&nbsp;annual allowance of $85,000 for the payment of
his car-related expenses, membership expenses for social, business and
professional organizations, and any other expenses which in his judgment are
reasonably appropriate for the performance of his duties as President and Chief
Executive Officer of the Company; (iv)&nbsp;the renewal for an additional
10-year term of his existing life insurance policy in the amount of $3,000,000
covering his life and having as beneficiaries his spouse and heirs or other
beneficiaries designated by him; (v)&nbsp;an award of 30,000 restricted stock
units of the Company pursuant to the Omnibus Plan upon the execution of the
2013 Employment Agreement; and (vi)&nbsp;additional equity incentive awards
under the Omnibus Plan of up to 85% of his annual base salary at the discretion
of the Compensation Committee.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
2013 Employment Agreement may be terminated by our Board of Directors for &#8220;just
cause&#8221; (as defined therein).&#160; In the event it is terminated for just cause or
if Mr. Fern&#225;ndez is removed or barred from office under applicable law, he will
have no right to compensation or other benefits for any period after such
termination.&#160; However, if the 2013 Employment Agreement is terminated by our
Board of Directors other than for just cause and other than in connection with
a change in control of the Company (as defined in his Change in Control
Compensation Agreement with the Company), or if Mr.&nbsp;Fern&#225;ndez terminates
the 2013 Employment Agreement for &#8220;good reason&#8221; (as defined therein), the
Company will be required to pay him as severance, in lieu of any further
compensation for periods subsequent to the date of termination, a lump sum
equal to the product of (a) his annual base salary, bonus (equal to the average
cash bonus paid to him in the last two fiscal years prior to the termination
date), expense allowance, and equity awards (equal to the average of the
aggregate grant date fair value of the equity awards granted to him in the last
two fiscal years prior to the termination date), multiplied by (b) three.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Change-in-Control
Compensation Agreements</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
have entered into Change-in-Control Compensation Agreements with Jos&#233; Rafael
Fern&#225;ndez and Ganesh Kumar.&#160; Each agreement remains in full force as long as
the person is employed by us.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Under
the agreements, the aforementioned persons are entitled to certain cash payment
compensation in the event there is a &#8220;change in control of the Company&#8221; and as
a result thereof or within one year after the change in control, the person&#8217;s
employment is terminated by us or our successor in interest.&#160; The cash
compensation will be an amount equal to two times the sum of such person&#8217;s
annual base salary at the time the termination of his or her employment occurs
and his or her last cash bonus paid prior to the termination of his or her
employment.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">For
purposes thereof, a change in control is deemed to have occurred if
(i)&nbsp;any person or entity (including a group) acquires direct or indirect
ownership of 50% or more of the combined voting power of the Company&#8217;s then </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>





<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">33</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





</DIV>
</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_39"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">outstanding common stock as a result of a tender or
exchange offer, open market purchases, privately negotiated purchases or
otherwise; or (ii)&nbsp;the shareholders of the Company approve (a)&nbsp;any
consolidation or merger of the Company in which the Company is not the
surviving corporation (other than a merger in which the holders of the
Company&#8217;s common stock immediately prior to the merger have the same or
substantially the same proportionate ownership of the surviving corporation
immediately after the merger), or (b)&nbsp;any sale, lease, exchange or other
transfer (in one transaction or a series of related transactions) of all, or
substantially all, of the Company&#8217;s assets to an entity which is not a
wholly-owned subsidiary of the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Life
Insurance</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">We
provide each of our NEOs with a life insurance policy, which in the event of
death would pay his heirs or beneficiaries up to a maximum of $700,000 or, if
the NEO qualifies, $1,000,000.&#160; We also provide our CEO with an additional key
man life insurance policy, which in the event of his death would pay $3 million
to his heirs or beneficiaries and $10 million to the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">401(k)/1081.01(d)
Plan</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">All
of the Company&#8217;s employees, including the employees of its subsidiaries, are
eligible to participate in our cash or deferred arrangement profit sharing plan
(the &#8220;401(k)/1081.01(d) Plan&#8221;).&#160; The 401(k)/1081.01(d) Plan is a defined
contribution plan under the Employee Retirement Income Security Act of 1974, as
amended (&#8220;ERISA&#8221;), and is qualified under Sections 1081.01(a) and 1081.01(d) of
the Puerto Rico Internal Revenue Code of 2011, as amended (the &#8220;Puerto Rico
Internal Revenue Code&#8221;).&#160; The 401(k)/1081.01(d) Plan offers eligible
participants several investment alternatives, including several U.S. mutual
funds, a money market account, and shares of common stock of the Company.&#160;
Contributions made through payroll deductions not in excess of a specified
amount may be accumulated per year as before-tax savings.&#160; The Company
contributes 50% of the employee&#8217;s contribution up to a maximum employee
contribution for matching purposes of 4% of the employee&#8217;s salary.&#160; The
matching contribution is invested in accordance with the employee&#8217;s election,
which may be shares of common stock of the Company.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Grants of Plan-Based
Awards</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table presents information
concerning each grant of an award under the Omnibus Plan made to the Named
Executive Officers in 2014, except for the non-equity incentive awards, which
reflect cash incentives pursuant to our annual bonus plan.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=left><table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;margin-left:6.75pt;margin-right:6.75pt;width:100%;">
 <tr style="height:40.3pt;">
  <td rowspan=2 valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=4% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Grant Date</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=4% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td colspan=5 valign=bottom width=30% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Estimated Possible
  Payouts under Non-Equity Incentive Plan Awards<sup>1</sup></font></b></p>
  </td>
 <td rowspan=2 valign=top width=3% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Number of Shares of
  Stock or Units (#)</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=3% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Number of Securities
  Underlying Options (#)</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=3% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=7% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Exercise Price of
  Option Awards ($/Sh)</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=4% style="height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:40.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Grant Date Fair Value
  of Stock and Option Awards<sup> &nbsp;</sup>($)<sup>2</sup></font></b></p>
  </td>
 </tr>
<tr style="height:24.75pt;">
  <td valign=bottom width=8% style="border:none;border-bottom:solid windowtext 1.0pt;height:24.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Threshold ($)</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;border-top:solid windowtext 1.0pt;height:24.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=7% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:24.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Target ($)</font></b></p>
  </td>
 <td valign=bottom width=3% style="border:none;border-top:solid windowtext 1.0pt;height:24.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=8% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;height:24.75pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Maximum ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=7% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Jos</font><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">423,850</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">605,500</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">756,875</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2014</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">52,300</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">16.10</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">333,125</font></p>
  </td>
 </tr>
<tr style="height:3.3pt;">
  <td valign=bottom width=11% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=3% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=3% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="height:3.3pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">199,500</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">285,000</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">356,250</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">19,320</font></p>
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 </tr>
<tr>
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  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">27,100</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.10</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">172,613</font></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">51,745</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">73,921</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">6,000</font></p>
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 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 </tr>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">45,480</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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 </tr>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">6,000</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">16.10</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">38,217</font></p>
  </td>
 </tr>
<tr>
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  <p style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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 </tr>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
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  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">6,000</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">16.10</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">38,217</font></p>
  </td>
 </tr>
<tr>
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 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
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 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
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  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
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  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2014</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">1,200</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">19,320</font></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0pt;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2014</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">27,100</font></p>
  </td>
 <td valign=bottom width=3% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=7% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">16.10</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">172,613</font></p>
  </td>
 </tr>
</table></div>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">34</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_40"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
The &#8220;Threshold&#8221; column assumes that the executive meets the minimum performance
threshold of 70 for each metric in his or her scorecard, the &#8220;Target&#8221; column
assumes a performance score of 100, and the &#8220;Maximum&#8221; column assumes a maximum
performance score of 125.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
Grant date fair value of awards computed in accordance with FASB ASC Topic 718.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
Mr. Gonz&#225;lez&#8217;s employment ended effective July 3, 2014.</font></p>


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<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">35</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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</DIV><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_41"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Outstanding
Equity Awards at Fiscal Year End</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table presents information
concerning unexercised stock options of each Named Executive Officer
outstanding as of December 31, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Option Awards</font></b></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=23% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Number of Securities
  Underlying Unexercised Options (#) Exercisable</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=18% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Number of Securities
  Underlying Unexercised Options (#) Unexercisable</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Option Exercise Price
  ($)</font></b></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Option Expiration
  Date</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:73.6pt;">
  <td valign=top width=23% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Jos</font><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=4% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">40,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">20,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">20,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">30,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">5,882</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">23,775</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">75,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11,300</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">7,925<sup>1</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">25,000<sup>2</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">33,900<sup>3</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">36,600<sup>4</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">52,300<sup>5</sup></font></p>
  </td>
 <td valign=top width=4% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">15.110&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">12.360&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">12.950&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">12.490&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">8.280&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.500&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.950&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.830&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">14.520&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.100&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:73.6pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">07/01/2015</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/01/2016</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">06/22/2017</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">10/31/2017</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">04/28/2019</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/18/2020</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">12/03/2020</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/23/2022</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/22/2023</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2024</font></p>
  </td>
 </tr>
<tr>
  <td width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">225,957</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">155,725</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="height:36.8pt;">
  <td valign=top width=23% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">Ganesh Kumar</font></p>
  </td>
 <td valign=top width=4% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">20,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">25,000</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,493</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">7,575</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,750</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,300</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2,525<sup>1</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,750<sup>6</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">18,900<sup>3</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">25,500<sup>4</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">27,100<sup>5</sup></font></p>
  </td>
 <td valign=top width=4% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">27.800&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">12.050&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">8.280&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.500&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.820&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.830&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">14.520&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.100&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:36.8pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/12/2015</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">06/22/2017</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">04/28/2019</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/18/2020</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/21/2021</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/23/2022</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/22/2023</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2024</font></p>
  </td>
 </tr>
<tr>
  <td width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">65,118</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">78,775</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">Ram&#243;n Rosado</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">1,2</font><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">00&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,375</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,2</font><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">00<sup>6</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,125<sup>3</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">8,600<sup>4</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,000<sup>5</sup></font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.820&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.830&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">14.520&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.100&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/21/2021</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/23/2022</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/22/2023</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2024</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">2,575</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">19,925</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">C&#233;sar Ortiz</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,425</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2,950</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,375</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">1,475<sup>1</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">2,950<sup>6</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,125<sup>3</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">4,500<sup>4</sup></font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,000<sup>5</sup></font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.500&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.820&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">11.830&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">14.520&nbsp;&nbsp;</font></p>
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.100&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/18/2020</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/21/2021</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/23/2022</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">01/22/2023</font></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2024</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">8,750</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">19,050</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">Maritza Arizmendi</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,000<sup>5</sup></font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">16.100&nbsp;&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">02/27/2024</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">Total</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:16.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&#8212;&nbsp;&nbsp;&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=ES-CR style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:20.75pt;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">6,000</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=23% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=18% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:8.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
The unexercisable shares underlying these options fully vest on January 18,
2015.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
The unexercisable shares underlying these options fully vest on December 3,
2015.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
One third of the unexercisable shares underlying these options vest annually on
February 23 until fully vesting in 2017.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
Of the shares underlying these options, a quarter vests annually commencing on
January 22, 2015 until fully vesting in 2018.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
Of the shares underlying these options, a quarter vests annually commencing on
February 27, 2016 until fully vesting in 2019.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">6.&#160;&#160;&#160;&#160;&#160;
Half of the unexercisable shares underlying these options vest annually on
January 21 until fully vesting in 2016.
</font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
<DIV bclFooter>





<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">36</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





</DIV>
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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table presents information
concerning restricted stock units of Named Executive Officers that were
outstanding and still subject to the restricted period as of December 31, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Stock Awards</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=35% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=22% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Number of Shares or
  Units of Stock That Have Not Vested (#) </font></b></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=26% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Market Value of
  Shares or Units of Stock That Have Not Vested ($) </font></b></p>
  </td>
 </tr>
<tr style="height:11.65pt;">
  <td valign=top width=35% style="border:none;height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="border:none;height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="border:none;height:11.65pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Jos</font><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">41,100<sup>1</sup></font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">684,315</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">18,100<sup>2</sup></font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">301,365</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ram&#243;n
  Rosado</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">4,500<sup>3</sup></font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">74,925</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">C&#233;sar
  Ortiz</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">2,000<sup>4</sup></font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">33,300</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=35% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Maritza
  Arizmendi</font></p>
  </td>
 <td valign=top width=9% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=22% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:29.2pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">600<sup>5</sup></font></p>
  </td>
 <td valign=top width=8% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=26% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:34.8pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">9,990</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
The restricted periods lapse on February 23, 2015 with respect to the award of
6,500 restricted stock units, on January 22, 2016 with respect to the award of
4,600 restricted stock units, and on August 22, 2016 with respect to the award
of 30,000 restricted stock units.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
The restricted periods lapse on February 23, 2015 with respect to the award of
3,700 restricted stock units, on January 22, 2016 with respect to the award of
13,200 restricted stock units, and on February 27, 2017 with respect to the
award of 1,200 restricted stock units,.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
The restricted periods lapse on February 23, 2015 with respect to the award of
800 restricted stock units, on January 22, 2016 with respect to the award of
3,100 restricted stock units, and on February 27, 2017 with respect to the
award of 600 restricted stock units.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
The restricted periods lapse on February 23, 2015 with respect to the award of
800 restricted stock units, on January 22, 2016 with respect to the award of
600 restricted stock units, and on February 27, 2017 with respect to the award
of 600 restricted stock units.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
The restricted period lapses on February 27, 2017 with respect to the award of
600 restricted stock units.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following table
only presents information for the Named Executive Officers who acquired stock
upon the exercise of an option award and upon the lapse of the restricted
period of a restricted unit award in 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Option Exercises and
Stock Vested</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td rowspan=2 valign=bottom width=21% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td rowspan=2 valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td colspan=3 valign=bottom width=36% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Option Awards</font></b></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td colspan=3 valign=bottom width=35% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Stock Awards</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Number of Shares
  Acquired on Exercise (#)</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Value Realized on
  Exercise ($)</font></b></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=16% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Number of Shares
  Acquired on Vesting (#)</font></b></p>
  </td>
 <td valign=bottom width=4% style="border:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=15% style="border-bottom:solid windowtext 1.0pt;border-left:none;border-right:none;border-top:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Value Realized on
  Vesting ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:22.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:24.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">1,600</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">24,528</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Ramon
  Rosado</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:22.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:24.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">400</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">6,132</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">C&#233;sar
  Ortiz</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:22.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">137</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:24.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">1,270</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">700</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">10,731</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=21% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">Norberto
  Gonz&#225;lez<sup>1</sup></font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:22.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">43,258</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:24.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">256,563</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:21.55pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">5,839</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=15% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">103,204</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:0in;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">1.</font><font face="Times New Roman" lang=EN-US style="font-size:7.0pt;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;">Mr. Gonz&#225;lez&#8217;s employment ended
effective July 3, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_43"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

<DIV bclHeader>





<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following
table presents information concerning the deferral of compensation by the Named
Executive Officers on a basis that is not tax-qualified.</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Non Qualified Deferred
Compensation</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr>
  <td valign=bottom width=20% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Executive</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Contributions</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">in Last FY ($)<sup>1</sup></font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Registrant
  Contributions</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">in Last FY ($)</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=10% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Aggregate</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Earnings</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">in Last</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">FY ($)<sup>2</sup></font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=13% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Aggregate
  Withdrawals/</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Distributions</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">($)</font></b></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></b></p>
  </td>
 <td valign=bottom width=11% style="border:none;border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Aggregate</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Balance</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">at Last</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">FYE ($)</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=20% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="border:none;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:4.0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=20% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Jos</font><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#233;
  Rafael Fern&#225;ndez</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">907,908</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:4.0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">(510)</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">2,666,550</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:4.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">67,502</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=20% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Ganesh
  Kumar</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">354,000</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:4.0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">86,762</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">1,422,691</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:4.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">20,662</font></p>
  </td>
 </tr>
<tr style="height:11.1pt;">
  <td width=20% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Norberto
  Gonz&#225;lez<sup>3</sup></font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.05pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">45,000</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=10% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:4.0pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">112</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:13.45pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">90,377</font></p>
  </td>
 <td valign=top width=4% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=11% style="height:11.1pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:4.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">0</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
Such executive contributions are reported in the Summary Compensation Table.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
These earnings are not reported in the Summary Compensation Table.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.&#160;&#160;&#160;&#160;&#160;
Mr. Gonzalez&#8217;s employment ended effective July 3, 2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
Company offers our executive officers a non-qualified deferred compensation
plan, where such executives are allowed to defer taxable income.&#160; The plan is
not intended to meet the requirements of Section&nbsp;1081.01 of the Puerto
Rico Internal Revenue Code, and therefore, does not meet the funding, employee
coverage, and other requirements which &#8220;qualified retirement plans&#8221; must
satisfy thereunder.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">However,
the plan is intended to constitute an unfunded arrangement maintained
&#8220;primarily for the purposes of providing deferred compensation for a select
group of management or highly compensated employees&#8221; for purposes of
Sections&nbsp;201(2), 301(a)(3) and 401(a)(1) of ERISA.&#160; Under the plan, the
executive&#8217;s current taxable income is reduced by the amount being deferred,
which may be up to 100% of his or her salary and bonus.&#160; Funds contributed
thereto can accumulate without current income tax to the individual.&#160; Taxes are
due when the funds are withdrawn at the then current income tax rate applicable
to the individual, which may be lower than his or her current income tax
bracket.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Director Compensation</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Each
director&#8217;s compensation is generally designed to be competitive with comparable
compensation paid to directors at peer group companies in Puerto Rico and the
U.S.&#160; However, each director&#8217;s actual compensation varies based on whether he
or she is a Chairperson of our Board of Directors or any of its committees.&#160; It
also varies depending on the number of meetings attended and on his or her
membership in Board committees.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

</div><HR noshade align="center" width="100%" size=2><DIV STYLE="page-break-before: always">&nbsp;</div><a name="page_44"></a><DIV bclPageBorder STYLE="WIDTH: 100%; PADDING-RIGHT: 5%; PADDING-LEFT: 5%">

<DIV bclHeader>





<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The following
table presents information concerning the compensation of our directors for
2014.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<div align=center>

<table border=0 cellpadding=0 cellspacing=0 style="border-collapse:collapse;width:100%;">
 <tr style="height:36.9pt;">
  <td valign=bottom width=27% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Name</font></b></p>
  </td>
 <td valign=bottom width=16% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Fees Earned or Paid
  in Cash ($)</font></b></p>
  </td>
 <td valign=bottom width=14% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Stock</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Awards</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">($)<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=13% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Option Awards</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">($)<sup>1</sup></font></b></p>
  </td>
 <td valign=bottom width=16% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">All Other
  Compensation</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">($)</font></b></p>
  </td>
 <td valign=bottom width=14% style="height:36.9pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Total</font></b></p>
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">($)</font></b></p>
  </td>
 </tr>
<tr style="height:4.5pt;">
  <td valign=top width=27% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">__________________________________</font></b></p>
  </td>
 <td valign=top width=16% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">_________________</font></b></p>
  </td>
 <td valign=top width=14% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">_____________</font></b></p>
  </td>
 <td valign=top width=13% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">__________</font></b></p>
  </td>
 <td valign=top width=16% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">__________________</font></b></p>
  </td>
 <td valign=top width=14% style="height:4.5pt;padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" style="font-size:5.0pt;line-height:115%;">____________</font></b></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:6.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Julian S. Incl&#225;n</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">125,000</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">37,030<sup>2</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">162,030</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Juan C. Aguayo</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">62,654</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">19,320<sup>3</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">81,974</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Pedro Morazzani</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">82,504</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">24,150<sup>4</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;<sup>5</sup></font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">106,654</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Francisco Arriv&#237;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">66,054</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">20,930<sup>6</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">86,984</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Jorge Col&#243;n-Gerena</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:.1pt;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">28,369</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:11.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-PR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">28,369</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Radam&#233;s Pe&#241;a</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">35,319</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:11.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">35,319</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Jos&#233;
  E. Rossi</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">44,554</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">14,490<sup>7</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">59,044</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">Rafael
  F. Mart&#237;nez-Margarida</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">58,504</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:7.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">12,880<sup>8</sup></font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">71,384</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">Pablo I. Altieri<sup>9</sup></font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:10.25pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">12,851</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0pt;margin-right:11.1pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">17,710</font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">&#8212;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:9.0pt;line-height:115%;">30,561</font></p>
  </td>
 </tr>
<tr>
  <td valign=top width=27% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td valign=top width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=13% style="padding:0in 5.4pt 0in 5.4pt;">
  <p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0pt;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=16% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 <td width=14% style="padding:0in 5.4pt 0in 5.4pt;">
  <p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:5.15pt;margin-top:0in;page-break-after:avoid;text-align:center;"><font face="Times New Roman,serif" style="font-size:9.0pt;line-height:115%;">&nbsp;</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:9.0pt;line-height:115%;">________________________________</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">1.&#160;&#160;&#160;&#160;&#160;
Aggregate grant date fair value of awards computed in accordance with FASB ASC
Topic 718.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">2.&#160;&#160;&#160;&#160;&#160;
The grant date fair value calculated in accordance with FASB ASC Topic 718 of
the 2,300 restricted stock units awarded on February 27, 2014.&#160; The aggregate
amount of restricted stock units outstanding at the end of 2014 is 6,850.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">3.
&#160;&#160;&#160;&#160;&#160;The grant date fair value calculated in accordance with FASB ASC Topic 718
of the 1,200 restricted stock units awarded on February 27, 2014.&#160; The
aggregate amount of restricted stock units outstanding at the end of 2014 is
5,050.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">4.&#160;&#160;&#160;&#160;&#160;
The grant date fair value calculated in accordance with FASB ASC Topic 718 of
the 1,500 restricted stock units awarded on February 27, 2014.&#160; The aggregate
amount of restricted stock units outstanding at the end of 2014 is 5,650.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">5.&#160;&#160;&#160;&#160;&#160;
The aggregate amount of option awards outstanding at the end of 2014 is 1,000.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">6.&#160;&#160;&#160;&#160;&#160;
The grant date fair value calculated in accordance with FASB ASC Topic 718 of
the 1,300 restricted stock units awarded on February 27, 2014.&#160; The aggregate
amount of restricted stock units outstanding at the end of 2014 is 4,050.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">7.&#160;&#160;&#160;&#160;&#160;
The grant date fair value calculated in accordance with FASB ASC Topic 718 of
the 900 restricted stock units awarded on February 27, 2014.&#160; The aggregate
amount of restricted stock units outstanding at the end of 2014 is 3,350.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">8.&#160;&#160;&#160;&#160;&#160;
The grant date fair value calculated in accordance with FASB ASC Topic 718 of
the 800 restricted stock units awarded on February 27, 2014.&#160; The aggregate
amount of restricted stock units outstanding at the end of 2014 is 800.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:8.0pt;line-height:115%;">9.&#160;&#160;&#160;&#160;&#160;
Mr. Altieri&#8217;s service as director ended at the 2014 shareholders&#8217; annual
meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.25in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:-.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Except
for Julian Incl&#225;n, Chairperson of the Board, each non-employee director
receives an annual retainer of $32,004, payable in equal monthly installments
in advance, plus a fee of $1,000 for each Board meeting attended and $850 for
each committee meeting attended (other than a committee presided by any such
director).&#160; Furthermore, the Chairperson of the Audit Committee receives an
additional annual retainer of $36,000, and the Chairpersons of the Risk and
Compliance Committee, the Compensation Committee and the Corporate Governance
and Nominating Committee each receives an additional annual retainer of
$12,000.&#160; Such retainers are payable in equal monthly installments.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">As Chairperson of the Board, Mr. Incl&#225;n
receives an annual retainer of $112,000, payable in equal monthly installments
in advance, plus a fee of $1,000 for each Board meeting attended.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
President and CEO, who is Vice Chairperson of the Board, does not receive
director&#8217;s fees and is compensated exclusively pursuant to his 2013 Employment
Agreement, which is described above under the subheading &#8220;2013 Employment
Agreement.&#8221;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>


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<p style="margin:0in;margin-bottom:.0001pt;tab-stops:center 3.25in right 6.5in;"><font face=Calibri,sans-serif lang=EN-US style="font-size:11.0pt;">&nbsp;</font></p>





</DIV>
<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">AUDIT
COMMITTEE REPORT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The Audit Committee assists the Board of
Directors in its oversight of the financial reporting process of OFG Bancorp
(the &#8220;Company&#8221;), and meets regularly with the Company&#8217;s internal and external
auditors, CEO and CFO.&#160; The Audit Committee&#8217;s responsibilities are more fully
described in its charter, a copy of which is available on the Company&#8217;s website
at </font><u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">www.ofgbancorp.com</font></u><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">.&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Management
has the primary responsibility for the preparation and integrity of the
Company&#8217;s financial statements, accounting and financial reporting principles, and internal controls and procedures designed to assure compliance with
accounting standards and applicable laws and regulations.&#160; The Company&#8217;s
independent registered public accounting firm is responsible for performing an
independent audit of the consolidated financial statements and expressing an
opinion on the conformity of those financial statements with accounting
principles generally accepted in the United States of America.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In
fulfilling its oversight responsibilities, the Audit Committee has reviewed and
discussed the audited financial statements for the period ended
December&nbsp;31, 2014 with the Company&#8217;s management and has discussed with
KPMG LLP (&#8220;KPMG&#8221;) the matters that are required to be discussed by Statement on
Auditing Standards No. 61, as amended (AICPA, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Professional Standards</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">,
Vol.&nbsp;1. AU section&nbsp;380), as adopted by the Public Company Accounting
Oversight Board in Rule&nbsp;3200T.&#160; In addition, KPMG has provided the Audit
Committee with the written disclosures and the letter required by the
Independence Standards Board Standard No. 1, </font><i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Independence Discussions with
Audit Committees</font></i><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">, as adopted by the Public Company Accounting Oversight
Board in Rule&nbsp;3600T, and the Audit Committee has discussed with KPMG their
independence.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
members of the Audit Committee are not engaged professionally in rendering,
auditing or accounting services on behalf of the Company nor are they Company
employees.&#160; The Company&#8217;s management is responsible for its accounting,
financial management and internal controls.&#160; As such, it is not the duty or responsibility
of the Audit Committee or its members to conduct &#8220;field work&#8221; or other types of
auditing or accounting reviews or procedures.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.25in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Based on such reviews and discussions,
the Audit Committee recommended to the Board of Directors that the audited financial
statements be included in the Company&#8217;s annual report on Form&nbsp;10-K for the
year ended December&nbsp;31, 2014, for filing with the Securities and Exchange
Commission.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:3.5in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Submitted
by:</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:3.5in;margin-right:0in;margin-top:0in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Pedro Morazzani,
Chairperson</font></p>

<p style="margin-bottom:.0001pt;margin-left:3.5in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Rafael
F. Mart&#237;nez</font></p>

<p style="margin-bottom:.0001pt;margin-left:3.5in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Radam&#233;s
Pe&#241;a</font></p>

<p style="margin-bottom:.0001pt;margin-left:3.5in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Julian
S. Incl&#225;n</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">INDEBTEDNESS OF
MANAGEMENT</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Certain transactions involving loans
were transacted in 2014 between the Company&#8217;s banking subsidiary, Oriental
Bank, some of our directors and executive officers, including those of our
other subsidiaries, and persons related to or affiliated with such persons.&#160;
All such transactions were made in the ordinary course of business on
substantially the same terms, including interest rates, collateral and
repayment terms, as those prevailing at the time for comparable transactions
with persons not related to the lender, and did not involve more than the
normal risk of </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">collectability or present other
unfavorable features.&#160; At present, none of the loans to such directors and
executive officers, including persons related to or affiliated with such
persons, is non-performing.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">CERTAIN RELATIONSHIPS
AND RELATED TRANSACTIONS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Our Board of Directors recognizes that
certain transactions present a heightened risk of conflicts of interest and/or
improper valuation (or the perception thereof) and, therefore, has adopted a
Related Party Transactions Policy (the &#8220;Policy&#8221;).&#160; For these purposes, a
&#8220;Related Party Transaction&#8221; is defined as a transaction or series of similar
transactions in which the Company or any of its subsidiaries is to be a
participant and the amount involved exceeds $120,000, and in which any Related
Party has or will have a direct or indirect material interest.&#160; A &#8220;Related
Party&#8221; is any of our directors or executive officers, any nominee for director,
any beneficial owner of more than 5% of any class of our voting securities, and
any immediate family member of any of the previously mentioned.&#160; The Policy
generally covers any financial transaction, arrangement or relationship
(including any indebtedness or guarantee of indebtedness) or any series of
similar transactions, arrangements or relationships between the Related Party
and the Company.&#160; Related Party Transactions thereunder are approved or
ratified by the Audit Committee or the disinterested members of our Board of
Directors (other than employment or compensation arrangements, which are
approved by the Compensation Committee or the disinterested members of our
Board of Directors).&#160; Furthermore, the Audit Committee may approve or ratify a
Related Party Transaction if (i)</font><font face="Times New Roman,serif" lang=EN-US style="font-size:11.0pt;line-height:115%;">
</font><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">it
finds that there is a compelling business reason to approve the transaction,
taking into account all pertinent factors, (ii) it has been fully informed of
any and all significant conflicts that may exist or otherwise arise on account
of the transaction, and (iii) it reasonably believes that the transaction is
beneficial for the Company and that it has adopted appropriate measures to
manage the potential conflicts of interest.&#160; All Related Party Transactions
approved or ratified by the Audit Committee must be disclosed to our Board of
Directors at its next regularly scheduled meeting.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Delgado &amp; Fern&#225;ndez, LLP, San Juan,
Puerto Rico, has continuously provided legal and notarial services to the
Company since 1997 in the areas of mortgage lending, mortgage foreclosures and
debt recovery, general legal advice, and commercial and labor litigation.&#160; The
brother of Jos&#233; Rafael Fern&#225;ndez, our President and CEO, is a partner at that
firm.&#160; The Company engaged Delgado &amp; Fern&#225;ndez before Mr. Fern&#225;ndez became
our President and CEO and a member of our Board of Directors.&#160; During 2014, the
Company paid such firm a total of $1,863,754 for legal services rendered to
us.&#160; Such amounts include $935,432 in legal fees incurred in the collection of
shared loss loans.&#160; The Company has the right to receive a reimbursement of 80%
of such expenses from the FDIC.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">In January 2008, the Company engaged the
legal services of Carlos O. Souffront LLC, Dorado, Puerto Rico.&#160; Pursuant to
this engagement, Carlos O. Souffront, Esq., serves as our General Counsel.&#160; As
consideration for his services provided in 2014, the Company paid $654,153 to
that firm.&#160; The Company also awarded Mr. Souffront 23,200 qualified stock
options and 700 restricted stock units in 2015.&#160; He is also the Secretary of
our Board of Directors.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The engagements of Delgado &amp;
Fern&#225;ndez, LLP and Carlos O. Souffront LLC were approved by our Board of
Directors.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">SECTION 16(a)
BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Section 16(a) of the
Exchange Act requires our directors, executive officers and persons who own
more than 10% of our equity securities to timely file with the SEC initial
reports of ownership and reports of changes in ownership of our common stock
and other equity securities.&#160; We are required to identify any such director,
executive officer or greater than 10% stockholder who failed to timely file any
such report.&#160; Based solely on the review of copies of such reports and other
information furnished to the Company by such individuals, we believe that
during </font><!-- Do not modify beyond this point! !--><a name=bcl_connect_next></a></p>
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</DIV>
<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;"><a name=bcl_connect_prev></a><!-- Do not modify before this point! !--><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">and with respect to 2014 such persons timely
filed all required reports, except for Mr. Jos&#233; E. Rossi, who did not report 8
transactions on a timely basis and filed a late Form 4.</font></p>

<p style="margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:.5in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">SHAREHOLDER PROPOSALS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Under
our bylaws, no business may be brought before an annual meeting of shareholders
unless it is specified in the notice of the meeting or any supplement thereto
given by or at the direction of our Board of Directors, or otherwise properly
brought before the meeting by a shareholder.&#160; For business to be properly
brought before an annual meeting by a shareholder, the shareholder must have
given written notice to the Secretary of our Board of Directors not later than
120 days prior to the anniversary date of the mailing of our proxy materials in
connection with the immediately preceding annual meeting of shareholders.&#160; The
notice must set forth as to each matter that the shareholder proposes to bring
before the annual meeting (i) a brief description of the business desired to be
brought before the meeting, (ii) the name and address of the shareholder, as it
appears on our books, (iii) the class and number of our shares beneficially
owned by the shareholder, and (iv) any material interest of the shareholder in
such business.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">The
requirements set forth in the preceding paragraph are separate from and in
addition to the SEC requirements that a shareholder must meet in order to have
a shareholder proposal included in our proxy statement.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Shareholder
proposals intended to be presented at the 2016 annual meeting of shareholders
must be set forth in writing and received by the Secretary of our Board of
Directors, OFG Bancorp, P.O. Box 195115, San Juan, Puerto Rico 00919-5115, no later than the close of business on November&nbsp;13, 2015.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p align=center style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:center;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">ANNUAL REPORTS</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">This
proxy statement is accompanied by our annual report on Form 10-K, which is our
annual report to shareholders for the fiscal year.&#160; The annual report is not
part of the proxy solicitation materials.</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:.5in;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:justify;text-indent:.5in;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Upon receipt of
a written request, we will furnish to any shareholder, without charge, a copy
of our 2014 annual report on Form&nbsp;10-K, including the financial statements
and schedules, and a list of the exhibits thereto required to be filed with the
SEC under the Exchange Act.&#160; Such written request should be directed to OFG
Bancorp, Investor Relations c/o Anreder &amp; Company, 10&nbsp;E. 40<sup>th</sup>
Street, Suite 1308, New York, NY 10016; Telephone: (212) 532-3232 or (800)
421-1003; Facsimile: (212) 679-7999; E-mail: ofg@anreder.com.</font></b></p>

<p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></b></p>

<p style="margin-bottom:.0001pt;margin-left:3.75in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font style="height:79px;left:0px;margin-left:417px;margin-top:20px;position:absolute;width:182px;z-index:251659264;"><img alt="JSI Signature.jpg" height=79 src="proxy2015-x46x0.gif" width=182></font><b><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">BY ORDER OF THE
BOARD OF DIRECTORS</font></b></p>

<p align=right style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;text-align:right;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:333.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Julian S. Incl&#225;n</font></p>

<p style="margin-bottom:.0001pt;margin-left:333.0pt;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">Chairperson</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">&nbsp;</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">March
12, 2015</font></p>

<p style="margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:avoid;"><font face="Times New Roman,serif" lang=ES-CR style="font-size:10.0pt;line-height:115%;">San
Juan, Puerto Rico</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>




<DIV bclFooter>





<p align=center style="margin:0in;margin-bottom:10.0pt;text-align:center;"><font style="mso-no-proof:yes;"><font face="Times New Roman,serif" lang=EN-US style="font-size:10.0pt;line-height:115%;">42</font></font></p>



<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman,serif" lang=EN-US style="font-size:2.0pt;">&nbsp;</font></p>





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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
