Bill H. Hernandez

Epana Networks, Inc. provides prepaid calling card and enterprise telecommunications services. The company was founded by Ariel Charytan, Elie Seidman and Alexis Rosen in 2000 and is headquartered in New York, NY.

First Data Corp. provides electronic commerce and payment solutions. It offers credit card processing and solutions, cash advance, data security, payroll delivery, and check acceptance services. The company was founded in 1971 and is headquartered in Atlanta, GA.

Citibank NA engages in the provision of banking services. It offers retail and commercial banking; credit cards; banking, capital markets, and advisory; markets and securities services; private banking; and treasury and trade solutions. The company was founded on June 16, 1812 and is headquartered in New York, NY.

Arsenal Capital Management LP (Arsenal Capital) is a private equity subsidiary of Arsenal Capital Group LLC founded in 2000 by Terrence M. Mullen and Jeffrey B. Kovach. The firm is headquartered in New York.

Mastercard International, Inc. provides credit card services. It provides access to round-trip bill payment and presentment for industry providers. The company was founded in 1969 and is headquartered in Purchase, NY.

Financial Guaranty Insurance Co. engages in the provision of insurance solutions. It offers financial guaranty, mortgage insurance, and mortgage services for credit enhancement on public finance and structured finance securities. The company was founded by Roger K. Taylor in 1983 and is headquartered in New York, NY.

SpendSmart Networks, Inc. engages in the provision of mobile and loyalty marketing agency services. It operates under the SMS Masterminds brand. It offers licenses, which includes a proprietary software as a service system, proprietary marketing, and sales training materials; and mobile responsive website building software. The company was founded by Alex Minicucci and Luke Wallace on May 14, 1990 and is headquartered in San Luis Obispo, CA.