Vice Chair and Non-executive director of Banco Santander, S.A., a Spanish multinational financial services company (since 2022). Chief Executive Officer of Santander (2015 to 2022). Joined Santander in 2002 and served as Executive Vice President and Chief Financial Officer (2004 to 2014). Former member of the supervisory boards of Santander Consumer Bank AG, Santander Consumer Holding GmbH and Santander Bank Polska, S.A., and former director of SAM Investments Holdings Limited, Santander Consumer Finance, S.A. and Santander Holdings USA, Inc. Former board member of Bolsas y Mercados Espa oles, S.A. and Banco Santander (Brasil) S.A. Skills & Qualifications: Mr. lvarez s experience as former chief executive officer, and previously chief financial officer, of a multinational financial services company provides the Board with deep knowledge and expertise in international finance, and unique insights into emerging and global markets and investments. In addition, as a member or prior member of the boards of directors of several international companies that invest globally, Mr. lvarez brings substantive expertise in business strategy in international markets, as well as business transformation, regulatory compliance, information technology, and risk management. Mr. lvarez s extensive financial background and experience has led the Board to determine that he is an audit committee financial expert as defined by the Securities and Exchange Commission (the SEC ).