spendsmart payments co/the
(SSPC:OTC US)

Executive Profile*

Background*

Mr. William H. Hernandez, Bill has been the President of The SpendSmart Payments Company, Inc. (also known as BillMyParents, Inc.) since November 12, 2012. Mr. Hernandez serves as the President and Chief Executive Officer at Conifer Consulting Group. He is an Advisor at Metamorphic Ventures. He was an Operating Director of Arsenal Capital Partners, Inc. He joined Arsenal Capital Partners, Inc in 2010 and focuses on financial services. He has more than 30 years of experience ... in the global financial services industry, with particular focus in the payments, card programs, transaction processing, global card networks, global consumer bank, and brokerage categories. He held executive positions at Financial Guaranty Insurance Co., Shearson American Express and Manufacturers Hanover Trust Company. He served as an Executive Vice President - New Business Development of STi Telecom, Inc. (also known as Epana Networks).Unidos Financial. Mr. Hernandez also served as an Executive Vice President of First Data Corporation, directing Strategic Financial Services for the U.S. card, processing and output services businesses. For Over seven year, he was at MasterCard International serving as a Senior Vice President of Americas Major Accounts managing sales, relationships, and P&L for the 40 largest US-based financial institutions, where he managed sales and business relationship teams nationally for the largest U.S.-based financial institutions including Bank of America, Wells Fargo, U.S. Bancorp, USAA Savings, and GE Capital, among others. Prior to MasterCard, he was employed by Citibank for 11 years, where he held various international executive positions where he spearheaded global consumer banking and consumer card products, services and access channel for Citibank’s businesses in the United States, Latin America, Europe and Asia. He has been a Director of The SpendSmart Payments Company, Inc. since February 2013. He served as a Member of Strategic Advisory Board of The SpendSmart Payments Company, Inc. from April 09, 2012 to November 2012. Mr. Hernandez is a graduate of Rider University, where he earned a B.S.

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