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Born on December 11 1955. Graduated in Business Administration from Br�s Cubas University in S�o Paulo State of S�o Paulo. He joined Continental Promotora de Vendas now Finasa Promotora de Vendas in July 1997 as a Director and then changing to the position of Managing Director in April 2004. In March 2002 he was elected Managing Executive Director of Banco BCN S.A. whose position he held until February 2003 until being elected Managing Executive Director of Banco Bradesco S.A. his current position. He is Member of the Managing Body of Funda��o Bradesco and the Board of Directors of Foundation Institute for Digestive System and Nutrition Diseases (FIMADEN). He is also Vice President of the National Association of Credit Financing and Investment Entities (ACREFI) Substitute Vice-Chairman of the Board of Directors of Fidelity Processadora e Servi�os S.A. and in the Board of Directors of Celta Holdings S.A. Sitting Member of the Board of Directors of Clicar Central On-Line de Financiamentos Sociedade Simples Ltda; Member of the Board of Directors of the Companhia Brasileira de Meios de Pagamento and Chairman of the Board of Directors of Companhia Leader de Investimentos. He was Technical Officer of the Brazilian Association of Leasing Companies (ABEL) and Alternate Member of the Board of Directors of the Brazilian Securitization Firm (CIBRASEC). | 