Carlos Capacete

Mr. Capacete joined Santander Bancorp in December 2003 as a result of the acquisition by the Santander Bancorp of SSC.
He joined SSC in April 2003 as Managing Director and Branch Manager, responsible for overseeing the Investment Banking, Sales, Capital Markets, Marketing and Research departments.
He was employed with UBS PaineWebber for over sixteen years where he was responsible for the capital markets area from 1995 to 2003.
Before 1995, he was in charge of the institutional trading desk from 1987 to 1995.
From 1985 to 1987, he was Vice President of Institutional Sales for Drexel Burnham Lambert Puerto Rico where he managed accounts of financial institutions, insurance companies, and government.
He was employed with Banco Comercial de Mayaguez from 1983 to 1985 where he held various capacities including Head of Investments.
Mr. Capacete is a Certified Public Accountant and holds a BS degree from Jacksonville University, where he graduated in 1978.