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Jos� R. Gonz�lez has served as President, Chief Executive Officer and Vice Chairman of the Board of Directors of the Corporation since October 2002. Prior to his appointment as President and Chief Executive Officer of the Corporation, Mr. Gonz�lez served as Senior Executive Vice President and Chief Financial Officer of Santander BanCorp from July 2001 and as Director of the Corporation since 2000. From 1996 to July 2001, Mr. Gonz�lez served as President and Chief Executive Officer of Santander Securities Corporation (SSC), a securities broker-dealer since August 1996. From 1995 to 1996, Mr. Gonz�lez was Vice President and Chief Financial Officer of MOVA Pharmaceutical Corporation, a privately held pharmaceutical manufacturing company based in Caguas, Puerto Rico. Prior to this, Mr. Gonz�lez was at Credit Suisse First Boston, a securities broker-dealer, from 1983 to 1986 as a Vice President of Investment Banking, and from 1989 to 1995 as President of the Puerto Rico operations of the firm. From 1986 to 1989, Mr. Gonz�lez was President and Chief Executive Officer of the Government Development Bank for Puerto Rico. Mr. Gonz�lez is a member of the Board of Trustees of the University of Puerto Rico and was elected as a member of the Board of Directors of the Federal Home Loan Bank of New York in January 2004. Mr. Gonz�lez received a B.A. in Economics from Yale University in 1976, and MBA and Juris Doctor degrees from Harvard University in 1980. | 