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Born on June 7 1959. Graduated in Mechanical Engineering from PUC - Pontifícia Universidade Católica de Minas Gerais (Catholic University of Minhas Gerais) with an executive MBA in Finance from IBMEC (Capital Markets Brazilian Institute) and specialization in Finance through the Executive Management Development Program (PDG) administered by the Business Development Corporation. He is currently attending the Advanced Management Program (PGA) administered by Fundação Dom Cabral and INSEAD. Mr. Clemente joined Banco BCN S.A. in May 1996 as Assistant Director. In January 1998 he was elected Director. With the acquisition of BCN he joined the Bradesco staff having been elected Departmental Director in March 2000 as the person responsible for the Corporate Department and in December 2006 became Executive Managing Director position he currently holds. He is a member of the Governing Board of Fundação Bradesco and of the Board of Directors of the Foundation Institute for Digestive System and Nutrition Diseases (FIMADEN). | 