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Gonzalo de las Heras has served as Chairman of the Board of Directors of the Corporation and the Bank since October 2002. Prior to his appointment as Chairman of the Board, Mr. de las Heras held a position as Director of the Bank since June 1998 and Director of the Corporation since May 2000. Mr. de las Heras, joined Banco Santander in 1990. He currently serves as Managing Director of Banco Santander Central Hispano, supervising its North American business. He is Chairman of Banco Santander International, Miami; Santander Trust & Bank (Bahamas) Limited, and Banco Santander (Suisse). Prior to that, Mr. de las Heras held various positions at J.P. Morgan, lastly as Senior Vice President and Managing Director of First Fidelity Bancorporation until its merger with First Union. Mr. de las Heras has a law degree from the University of Madrid and as a Del Amo Scholar pursued postgraduate studies in Business Administration and Economics at the University of Southern California. From 1993 to 1997, Mr. de las Heras served on the New York State Banking Board. He is Chairman of the Foreign Policy Association, a Trustee and past Chairman of both the Orpheus Chamber Orchestra and the Institute of International Bankers, and a Director of both The Spanish Institute and the Spain-US Chamber of Commerce. | 