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Mr. Jardim joined us in 2005 as Financial Officer. He was assigned to our Auto Finance and Mortgage business unit. Mr. Jardim is currently responsible for the Credit Collection area. Before joining us, Mr. Jardim held a position of officer at Fiat Bank S.A. (Banco Fiat S.A.) from 2003 until 2005. He holds a degree in Financial Planning from Anhembi Morumbi University (Universidade Anhembi Morumbi). | 