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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 Marítima Vida e Previdência, as Senior Vice President, where, besides Marketing and Sales, he coordinated the association process between Nationwide and Marítima Seguros. He was also the Officer of private pension and insurance in Canada Life Pactual Previdência 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 (Pontifícia Universidade Católica) of Rio de Janeiro. | 