布拉德斯科银行 BBDO

Mr. Rogerio Pedro Camara, Summary of Professional Experience: He joined Banco Bradesco S.A. in June 1983. In December 2008, he was promoted to the position of Executive Superintendent. In June 2011, he was elected Officer; in January 2012, Department Officer; in January 2017, Deputy Executive Officer; in January 2019, he was promoted to Managing Executive Officer and, in March 2021, he was promoted to Executive Vice-President. In September 2024, he was elected member of the Board of Directors. Education: Degree in Business Administration from Universidade Paulista - UNIP. Other Qualifications: MBA in Controllership from Fundacao Instituto de Pesquisas Contabeis, Atuariais e Financeiras da Universidade de Sao Paulo - FIPECAFI/USP; Lato Sensu postgraduate degree and MBA with specialization in Knowledge, Innovation and Technology from Fundacao Instituto de Administracao - FIA (FEA/USP); International Module - MBA in Knowledge, Innovation and Technology from Bentley College - Waltham Massachusetts - USA; Advanced Management Program from Fundacao Dom Cabral; Advanced Management Program - IESE Business School from University of Navarra, Sao Paulo, SP; International Executive Programs; Changing the Game: Negotiation and Competitive Decision Making from Harvard Business School - Boston, USA; Customer - Focused Innovation Program and Leading Change and Organizational Renewal Program from Stanford University Graduate School of Business - California, USA; Making Strategy Work: Leading Effective Execution and Strategic Thinking and Management for Competitive Advantage Program from The Wharton School - Philadelphia, USA; The Leadership at the Peak Program from Center for Creative Leadership - Colorado Springs, USA; The Advanced Strategy Program: Building and Implementing Growth Strategies, High Performance Leadership and The Executive Development Program from The University of Chicago Booth School of Business - Chicago, USA. Current Positions: Member of the Board of Directors of NCF Participacoes S.A.; Member of the Board of Trustees of Fundacao Bradesco; General Officer of Scopus Desenvolvimento de Sistemas Ltda.; and Executive Office of Top Clube Bradesco, Seguranca, Educacao e Assistencia Social. Previous Positions: Officer of Scopus Desenvolvimento de Sistemas Ltda., Scopus Solucoes em TI Ltda. and Scopus Industrial S.A.; Vice-President of ShopFacil Solucoes em Comercio Eletronico S.A., of BBC Processadora S.A., of NCF Participacoes S.A. and of Banco Losango S.A. - Banco Multiplo; Alternate Member of the Board of Directors of Aquarius Participacoes S.A. and of Chain Servicos e Contact Center S.A.; Managing Officer of Banco Bradescard S.A., Bradesco-Kirton Corretora de Cambio S.A. and of Kirton Bank S.A. - Banco Multiplo.; Vice-Chairman of the Board of Directors of CIP S.A.; Vice-President of Bradesco Holding de Investimentos S.A.; and Managing Officer of ShopFacil Solucoes em Comercio Eletronico S.A. and of BBC Processadora S.A.

Mr. Guilherme Muller Leal, Summary of Professional Experience: He began his career in February 1990 at Banco de Investimentos Garantia, where he held several positions in Rio de Janeiro and Sao Paulo. In September 1995, he joined the Banco Frances e Brasileiro, acting in the commercial area of Corporate Banking in Rio de Janeiro and, in August 1999, he joined Banco Bilbao Vizcaya Argentaria Brasil S.A., reaching the position of Corporate Deputy Officer. In September 2003, was transferred to Banco Bradesco S.A., and in June 2007, he was promoted to the position of Executive Superintendent. In February 2011, he was elected Officer, in January 2012, Department Officer, in January 2017, Deputy Executive Officer and in January 2019, he was promoted to Managing Executive Officer. In February 2024, he was promoted to Executive Vice-President. Education: Degree in Economics from Universidade Santa Ursula - USU. Other Qualifications: Lato Sensu postgraduate degree with specialization in Corporate Finance from Pontificia Universidade Catolica do Rio de Janeiro - PUC-Rio; and Executive Development Program (Programa de Desenvolvimento de Executivos - PDE) from Fundacao Dom Cabral, and the following international executive programs: Authentic Leadership Development and Behavioral Economics: Designing Strategic Solutions For Your Client and Your Organization from Harvard Business School - Boston, Massachusetts - USA, Executive Education Program from New York Trend Consulting - NYTC - New York - USA, Wharton Advanced Management Program and Executive Negotiation Workshop: Bargaining for Advantage by University of Pennsylvania - The Wharton School - Philadelphia - Pennsylvania - USA, and Leadership at the Peak Program from Center for Creative Leadership Staff and Leadership at the Peak Participants - Colorado Springs - USA. Current Positions: Officer of Agora Corretora de Seguros S.A. and Agora Investimentos S.A.; Officer of Nova Cidade de Deus Participacoes S.A.; General Officer of Agora Gestao de Recursos Ltda.; General Officer of Lecce Holdings S.A.; Executive Officer of Titanium Holdings S.A.; Executive Officer of Bankpar Consultoria e Servicos Ltda.; Executive Officer of Serel Participacoes S.A.; Chairman of the Board of Directors of Tivio Capital; Chairman of the Board of Directors of Banco Bradesco Europa S.A.; Member of the Board of Trustees of Fundacao Bradesco; Member of the Board of Directors of Bradesco Bank - EUA; and Executive Officer of Next Tecnologia e Servicos Digitais S.A. Previous Positions: Member of the Board of Directors of Banco Bradesco Europa S.A.; Managing Officer of Titanium Holdings S.A.; Managing Officer of Bradesco Asset Management S.A.; Managing Officer of Agora Gestao de Recursos Ltda., Banco Bradesco Cartoes S.A., Banco Bradesco BERJ, Bradesco Leasing S.A. - Arrendamento Mercantil, Bradesco Holding de Investimentos S.A. and of Banco Bradesco BBI S.A.

Mr. Jose Ramos Rocha Neto, experience gained from Banco Bilbao Vizcaya, in the areas of Trade Finance, Business Development and Middle Market Platform, he joined Bradesco in 2003, where his solid trajectory and expertise in Loans and Financing, in addition to his experience in Operations, Cash Management and Investments, led him to the position of Vice-President. He is Vice-Chairman of the Board of Directors of Cielo S.A. - Instituicao de Pagamento and Chairman of the Board of Directors of Banco John Deere S.A., in addition to holding other positions in the Board of Directors of Companies, including at Alelo Instituicao de Pagamento S.A., Elo Participacoes LTDA., Elo Servicos S.A. and at Livelo S.A. He was Chairman of the Board of Directors of ABECIP - Brazilian Association of Real Estate Credit and Savings Entities, Vice-President of the Board of Executive Officers of FEBRABAN - Brazilian Federation of Banks, Full Member of the Board of Representatives of CNF - National Confederation of Financial Institutions, President of the Distribution Forum of ANBIMA - Brazilian Association of Financial and Capital Markets Entities and Alternate Member of the Board of Directors of CIBRASEC - Brazilian Securitization Company. He holds a Degree in Economics from the Universidade Federal de Pernambuco (UFPE), and Postgraduate Degree in Business Administration CEAG from the Fundacao Getulio Vargas School of Business Administration of Sao Paulo (FGV - EAESP). He also participated in several international executive programs in renowned institutions, including those offered by the Wharton School of the University of Pennsylvania, the Authentic Leadership Development from Harvard Business School, the Corporate Leadership Program III from the IESE Business School of the University of Navarra (Spain), and the Leadership at the Peak Program from the Center for Creative Leadership and Excellence in Leadership from Stanford University School of Business. He also participated in important leadership and executive development programs, including: the Integrative Leadership Program from Amana Development and Education and the Executive Development Program (PDE), from Fundacao Dom Cabral (FDC).

Mr. Rubens Aguiar Alvarez holds management positions in controlling companies of the Bank, such as: Cidade de Deus - Companhia Comercial de Participacoes, NCD Participacoes Ltda. and Fundacao Bradesco. He is a partner and manager in family companies in the real estate and agribusiness segments. He holds a Degree in Economic Sciences from the University Center of Faculdades Metropolitanas Unidas (FMU), he holds a Degree in Specific Training in Organization and Event Management from Universidade Anhembi Morumbi (UAM) and Food & Beverage Operations from IHTTI School of Hotel Management Neuchatel Switzerland (Switzerland). He also participated in the international course Leading From the Chair from the European Institute of Business Administration (INSEAD) and has a certification of Board Member from the Brazilian Institute of Corporate Governance (IBGC).

Ms. Denise Aguiar Alvarez, holds management positions in Bradesco controlling companies such as: Cidade de Deus - Companhia Comercial de Participacoes, NCD Participacoes Ltda. and Fundacao Bradesco. She is prominent due to her experience in the areas of education and culture, acting as a member of the Managing Board and Officer of Fundacao Bradesco. With extensive experience in education and culture, her performance is marked by significant contributions to the dissemination of the concept of culture, education and sustainability in Brazil. She holds a Degree in Pedagogy from the Pontificia Universidade Catolica de Sao Paulo (PUC-SP), Master of Education from New York University (NYU), and honors that were conferred on her, such as: Fernando de Azevedo Award - Educator of the Year 2005, by the Brazilian Academy of Education, the title of Sustainability Citizen 2015, granted by the Brazilian Academy of Marketing (ABRAMARK), in recognition for the relevant and decisive contributions to the dissemination of the concept of sustainability in the country, through the Fundacao Bradesco. Member of the UNESCO High Level Reflection Group since 2020.

Ms. Denise Pauli Pavarina integrates the Sustainability and Diversity Committees and the Strategy Committee. She also serves as a Member of the Board of Directors and Coordinator of the Investment Committee of Solvi Essencis Ambiental S.A., Member of the Advisory Board of GFANZ - Global Financial Alliance for Net Zero, Member of the Board of Climate Finance Hub Brasil, Member of the Ethics Council of ANBIMA - Brazilian Association of Financial and Capital Markets Entities, an association of which he was president for four years, Member of the Supervisory Board of the Brazilian Securities Analyst of APIMEC NACIONAL - Association of Professional Analysts of Capital Market Investments, Member of the Advisory Board of Seneca Evercore Advisors and Member of the Brazilian Chapter of the WCD Foundation - Women Corporate Directors. She was Vice-Chair of TCFD-FSB - Task Force on Climate-related Financial Disclosures until the closure of this task force. Denise held the position of President of Anbima for four years and was a board member at several companies, including Vale, B3, Cielo, among others. Executive with extensive experience in the Group, acquired during his career at Banco Bradesco, where she held executive roles until January 2019, reaching the Board of Executive Officers in 2012. Denise has a history of leadership in several organizations, boards and committees, standing out for her performance in investments, governance and sustainability, also accumulating solid experience in the areas of capital markets and portfolio management. She was also director of companies at the National Bank for Economic and Social Development (BNDES) in 2019. She holds a Degree in Economics from Faculdade Armando Alvares Penteado (FAAP) and in Law from Universidade Paulista (UNIP), has an Executive MBA in Finance from the Instituto de Ensino e Pesquisa (Insper), as well as participation in the Advanced Management Program (AMP) from IESE Business School. She also participated in the international course Leading From the Chair by the European Institute of Business Administration (INSEAD) and has a certification of Board Member by the Brazilian Institute of Corporate Governance (IBGC).

Mr. Ivan Luiz Gontijo Junior, joined the Bradesco Insurance Group in 1985 and, in 1998, was elected Legal Director of the Insurance Group. He currently serves as Chief Executive Officer of Bradseg Participacoes S.A., Bradesco Seguros S.A., Bradseg Promotora de Vendas S.A., Bradesco SegPrev Investimentos Ltda., BSP Affinity Ltda. and Bradesco Gestao de Saude S.A. He is also Vice Chairman of the Board of Directors of Odontoprev S.A., as well as a full board member of Bradesco Vida e Previdencia S.A., Bradesco Capitalizacao S.A., Bradesco Auto/RE Companhia de Seguros, BSP Empreendimentos Imobiliarios S.A., Fleury S.A., Pacifico Imobiliaria Hospitalar S.A., Pacifico Operacoes Hospitalares S.A. and Companhia Brasileira de Gestao de Servicos (Orizon). He also serves as First Vice Chairman of the Executive Board and as a member of the Management Board of the National Confederation of Insurers (CNSEG), a member of the AMCHAM Brazil/SP CEO Committee, and a member of the Executive Board of the National Federation of Insurance Companies (FENASEG). He holds a law degree from the Catholic University of Petropolis and has served as a professor of Commercial Law at the Catholic University of Petropolis and of Insurance Law at the Candido Mendes School of Law.

Mr. Paulo Rogerio Caffarelli, is an executive with more than 30 years of experience across the financial, industrial, payments and public sectors, with extensive expertise in leading large organizations, digital and cultural transformation, corporate management and strategic business development. His career includes prominent positions such as Chief Executive Officer of Banco do Brasil, Chief Executive Officer of Cielo, and Chief Executive Officer of Banco BBC Digital (SIMPAR Group), where he led processes of operational restructuring, technological acceleration and profitability expansion. Throughout his career, he has driven decisive initiatives for growth, competitive recovery and strategic repositioning of nationally significant institutions. Prior to these roles, he served at the Ministry of Finance as Executive Secretary, coordinating interministerial agendas and structuring programs with nationwide impact, such as the support package for the electricity sector. At Banco do Brasil, he held several leadership positions, including Vice President for Wholesale Banking, International Banking, Private Banking and Capital Markets, as well as Vice President for Retail Banking, delivering strong results in credit portfolios, international businesses, insurance and investments. He also served as Director of Retail Business, Marketing and Logistics. He has strong corporate experience at CSN, where he led strategic areas such as Finance, Investor Relations, Legal, Human Resources and Procurement, in addition to spearheading key negotiations within the mining sector. His academic background includes a Master's degree in Economics from the University of Brasilia, an MBA in Corporate Law and Finance from Fundacao Getulio Vargas (FGV), and a Law degree from the Pontifical Catholic University of Parana (PUC-PR), as well as specializations in foreign trade and international law, and executive programs at institutions such as Harvard Business School and MIT Sloan. With extensive experience in corporate governance, he has served for more than two decades on boards of directors of major companies, including Suzano, Vale, Banco do Brasil, Brasilprev and IRB Brasil, among others, and holds board member certification from IBGC. His work on boards and committees reflects a strong commitment to governance, sustainability and long-term value creation.

Mr. Alexandre da Silva Gluher began his career at Bradesco in 1976 as a Clerk. Since then, he has dedicated his professional life to the Bank, reaching the Vice-Chairman of the Board of Executive Officers in 2014 and the Board of Directors in 2022. He has extensive knowledge of banking products and services, due to long experience in the branch network, where he stayed for almost 30 years, four of them as Regional Officer. He coordinated the Audit Committee of Banco Bradesco S.A. for more than four years. He has experience in Risk Management due to his performance ahead of areas such as: Integrated Risk Control, Internal Controls and Compliance, Audit, Corporate Security, Legal and Ombudsman. In addition, he was Member of the Board of Banking Self-Regulation of the Brazilian Federation of Banks (FEBRABAN) and Vice-President, President and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC), and was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his broad knowledge and consolidate his experiences. Currently, he is Chairman of the Board of Directors of Bradesco Bank (Florida - USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., as well as member of the Board of Directors of several companies of the Grupo Bradesco Seguros. He holds a Degree in Accounting from the Federal University of Rio Grande do Sul and Business Administration from the Lutheran University of Brazil (ULBRA), he participated in the International Executive Program (Advanced Management Program) from The Wharton School - University of Pennsylvania, USA; Financial Institutions Administration (Banking) and has a graduate specialization in Retail for Low Income and Credit Risk Management Sectors - Portfolio Vision, from Fundacao Getulio Vargas (FGV) - School of Business Administration of Sao Paulo; IBGC AI Leadership Program from The Wharton School - University of Pennsylvania, USA and is Certified as Board Member by the Brazilian Institute of Corporate Governance (IBGC).

Mr. Luiz Carlos Trabuco Cappi, began his career at Bradesco at 17 years of age as a Clerk. Over more than four decades, he has held several leadership positions, including Marketing Officer, Chief Executive Officer of Bradesco Vida e Previdencia, and Chief Executive Officer of Bradesco Seguros. In 2009, he was appointed Chief Executive Officer (CEO) of Banco Bradesco, a position he held until 2018, when he became Chairman of the Board of Directors. In addition to Banco Bradesco S.A., he currently holds positions in companies of the Group, integrating Boards of Directors and Board of Executive Officers, such as Bradesco Leasing S.A, Bradespar S.A., Cidade de Deus - Companhia Comercial de Participacoes, NCD Participacoes Ltda., NCF Participacoes S.A., Nova Cidade de Deus Participacoes S.A, among others. His management in Bradesco was marked by important acquisitions, such as HSBC Brasil in 2015. He was recognized as one of the 100 most influential Brazilians and listed among the best CEOs in Brazil by the Forbes magazine. In addition to his work in Bradesco, he has a significant footprint across multiple areas of the financial sector. He was awarded as Entrepreneur of the Year, in the finance category, by the Isto e Dinheiro magazine and continues to influence the Brazilian financial market with its strategic vision and solid leadership. He was President of the National Funding and Marketing Committee of the Associacao Brasileira das Entidades de Credito Imobiliario e Poupanca (ABECIP); President of the Federacao Nacional de Saude Suplementar (FENASAUDE); Chairman of the Board of Representatives and the Board of Executive Officers of Confederacao Nacional das Instituicoes Financeiras - CNF; Member of the Superior Board and Vice-President of the Confederacao Nacional das Empresas de Seguros Gerais, Previdencia Privada e Vida, Saude Suplementar e Capitalizacao - CNSeg; Member of the Board of Directors and of the Advisory Board of FEBRABAN - Brazilian Federation of Banks, Member of the Board of Directors of the Brazilian Association of Publicly-Traded Companies (ABRASCA), Member of the Economic and Social Development Council of the Presidency of the Republic (CDES), Member of the Committee on International Affairs of SUSEP - Superintendence of Private Insurance. He holds a Degree in Philosophy and a Postgraduate Degree in Social Psychology from Fundacao Escola de Sociologia e Politica de Sao Paulo (FESPSP).

Mr. Marcelo de Araujo Noronha Highlighted for his professional experience, acquired over more than 38 years in the financial market, 20 of them dedicated to the Bradesco Group, where he worked in the areas of Cards, Wholesale, Marketing and Retail. At Bradesco, he has held several leadership positions throughout his career, including vice-presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International and Foreign Exchange. He was also responsible for Bradesco Cartoes and the related companies of payment solutions and payment institutions, including positions in Board of Directors of companies, such as Alelo Instituicao de Pagamento S.A. and Cielo S.A. - Instituicao de Pagamento. His management is based on results and continues in the search for innovation. He was recognized for his ability to lead complex projects and for his strategic vision, which helped strengthen Bradesco's position in the financial market. He holds a Degree in Administration from the Universidade Federal de Pernambuco - UFPE, with specialization in Finance from IBMEC - Brazilian Institute of Capital Markets, in Financial Institution Administration (Banking) by the School of Business Administration of Fundacao Getulio Vargas (EAESP/FGV) and Advanced Management Program - AMP from IESE - Instituto de Estudios Empresariales from the University of Navarra, in Barcelona. He is an advisor certified by the Brazilian Institute of Corporate Governance - IBGC.

Mr. Mauricio Machado de Minas began his career in the Board of Executive Officers in 2009. In 2014, he was elected Vice-President, and in 2018 he accumulated the position of member of the Board of Directors. In 2019, he became a Member of the Board of Directors. In addition, he holds several management positions in the controlling companies of Bradesco. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A. and Odontoprev S.A. Professional of Information Technology, he accumulated experience in our risks area. From 2014 to 2020, he was member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he is Coordinator of the Bradesco Risk Committee and Member of the Risk and Financial Committee (CRIF) of B3 S.A. - Brazilian Exchange & OTC. He was recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected figure in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills. He holds a degree in Electrical Engineering from the Escola Politecnica da Universidade de Sao Paulo (Poli/USP), he holds a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, University Extension Course in Finance from Wharton Business School - Pennsylvania, USA, participated in Executive Development programs at Columbia University - New York, USA and for Corporate Officers of Boards of Directors, Harvard Business School, Boston, USA.

Ms. Regina Helena Jorge Nunes, is a C-level executive with more than 35 years of experience in the Financial and Capital Markets, with a solid international track record in Business Development, Market Expansion and Risk Management. She has held strategic positions in Brazil, Latin America, the United States, Europe and Asia, leading multicultural teams, driving global strategies and fostering sustainable growth, profitability and corporate governance throughout her career. With respect to her service on Boards of Directors, she has accumulated eight years as an Independent Board Member in companies across a broad range of sectors, including energy, healthcare, payment methods, insurance, infrastructure and business institutions. She also has extensive experience on Audit, Risk, Sustainability, Governance, Finance and Compensation Committees, where she has served as chair and coordinator. She was a member of the Board of Directors and the Audit and Risk Committee of the Spanish energy company Iberdrola (Bilbao, Spain). She is currently a member of the of the Board of Directors and Chair of the Audit and Risk Committee of Atlantica D'Or. As an executive, she spent 20 years at S&P Global Ratings, where she led operations in Brazil, Argentina and Southern Latin America, in addition to performing global strategic roles focused on emerging markets. Since 2018, she has been the CEO and co-founder of RNA Capital, a company dedicated to risk management, corporate governance, ESG and capital raising. Prior to that, she built her career at financial institutions such as Chase Manhattan and the Commercial Bank of New York, working in credit, risk, trade finance, corporate banking, structured funding, privatizations and complex financial projects. She holds a degree in Business Administration from Mackenzie University and complemented her education with advanced programs in leadership, finance and management at New York University, Columbia University and INSEAD. Fluent in Portuguese, English and Spanish, Regina has been recognized by institutions such as Forbes, Valor Economico, ANEFAC and IBEF as one of the most influential business leaders in the country, standing out for her capacity for innovation, strategic thinking and significant contribution to strengthening corporate governance and sustainable organizational development.

Mr. Cassiano Ricardo Scarpelli began his career at Bradesco in 1984 as a messenger and since then he has dedicated his professional life to the Bank, being elected Officer in 2007, Deputy Executive Officer in 2015 and Executive Vice-President in 2018, a position he holds currently. He consolidated his career in Areas such as: Capital Markets, Budget and Control, Stocks and Custody, Treasury and Prime. Currently, he holds the position of CFO (Chief Financial Officer) of the Group, responsible for the structure of Financial Planning and Controlling and Market Relations; at the same time, he is CTO (Chief Transformation Officer), being responsible for conducting the Operational Transformation Office of Banco Bradesco and CIO (Chief Information Officer) on an interim basis. He holds a Degree in Economics from Faculdade de Ciencias Economicas e Administrativas de Osasco (FEAO), he completed his training with the International Executive Program at the Queen's School of Business - Queen's Executive Program in Ontario, Canada.

Mr. Bruno D'Avila Melo Boetger, began his career in 1990 at Citi and Salomon Brothers Inc., where he held positions in New York (USA) and Sao Paulo (BR). In April 2007, he joined the Bradesco Group through Banco Bradesco BBI, as Executive Superintendent, reaching the position of Officer in April 2008. In 2011, he was General Manager of the New York Branch (USA). He brings with him a vast experience in investment banking, acquired throughout his career in renowned financial institutions, in Brazil and abroad. His work at Bradesco includes leadership in several strategic areas, mainly in the wholesale bank, contributing significantly to the growth of the Group. He holds a Degree in Business Administration from Fundacao Getulio Vargas (FGV), having participated in international executive programs, such as: Advanced Management Program from Harvard University, the Senior Executive Program from London Business School and Master's in Business Administration from Cornell University.

Mr. Paulo Roberto Simoes da Cunha joined the Central Bank of Brazil in 1976, in the Supervision Division and, in 1988, he was promoted to Division Head, being responsible for the oversight of financial institutions in Sao Paulo, until 1998. He has accumulated significant experience in risks area. At the Central Bank of Brazil, he had experience with the implementation of a matrix structure and the creation of teams of inspectors specialized in computer systems, capital markets, risk management and credit risk analysis for direct supervision. He was also responsible for drafting the Supervisory Programs which consider the risks assumed by the financial system, as well as the particularities of its agents. At KPMG Auditores Independentes, where he was partner from 1998 to 2004, in the area of financial services, he worked on the implementation of consulting services in internal audit - outsourcing, self-assessment of controls and risks, diagnosis of Compliance, Risk Assessment/Management, regulatory affairs and special projects related to controls and risks for the financial industry, in addition to having carried out several projects in the areas of Compliance and Risk Management at some of the main Brazilian Banks. In 2004 he joined our Audit Committee, where he served as Financial Expert Member from 2004 to 2009 and subsequently from 2014 to 2021, when he was then elected Independent Member of the Board of Directors. He holds a Degree in Accounting and Business Administration from the Faculdade de Ciencias Economicas de Sao Paulo, Fundacao Escola de Comercio Alvarez Penteado (FECAP), postgraduate degree, with specializations in Finance from the Fundacao Getulio Vargas (FGV), in Audit from the Institute of Accounting Research Foundation, Actuarial and Financial - Universidade de Sao Paulo (FIPECAFI - USP) and in Economics with Theory and Operation of a Modern National Economy from George Washington University, Washington-DC.