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Raphael Afonso Godinho de Carvalho Mr. Carvalho is our Executive Officer in charge of our Consumer Division (Empresas de Consumo) and our retail bank distribution (branches network) in the Rio de Janeiro and Espirito Santo states. He has previously worked for Nationwide Mar�tima Vida e Previd�ncia, as Senior Vice President, where, besides Marketing and Sales, he coordinated the association process between Nationwide and Mar�tima Seguros. He was also the Officer of private pension and insurance in Canada Life Pactual Previd�ncia e Seguros / Banco Pactual S.A. Mr. Carvalho has a degree in mathematics, with emphasis in Computer Systems, from the Federal University of Rio de Janeiro (Universidade Federal do Rio de Janeiro), and holds an MBA in Finance from the Institute of Administration and Management of the Catholic University (Pontif�cia Universidade Cat�lica) of Rio de Janeiro. | 