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Mr. Schmitt holds a degree in Economics from the Universidade Federal do Rio Grande do Sul, a master’s degree in Corporate Economics from Fundação Getúlio Vargas and an MBA from the Sloan School of Business, Massachusetts Institute of Technology. He was an Economist of Banco de Crédito Nacional S.A. and of UNIBANCO – União de Bancos Brasileiros S.A. from 1995 to 1999. He was an associate of the Leveraged Finance team of UBS Warburg in 2000 in New York, Project Finance Superintendent of UNIBANCO from 2001 to 2003 and Corporate Banker of UNIBANCO’s Representative Office in New York from 2003 to 2004. He became responsible for the project finance team of Santander Brasil from 2004 to 2010, adding the areas of acquisition finance and syndicated lending. From 2011 to 2012, he was the Director responsible for the Wholesale Risk Department, and from 2013 to 2014 he was responsible for Global Transaction Banking, including Cash and Trade. From 2015 onwards, he led several businesses in the Retail Banking, such the Credit Recovery Business and the Personal and SMEs Credit Products, including Payroll Loans, Agro and Mortgage Loans, and the Innovation team. His last position in Santander Group was served as officer in charge of the Retail Corporate Business, Government and Institutional clients. He was member of the Board of Directors of Banco Olé Consignado S.A. and Super Pagamentos e Administração de Meios Eletrônicos S.A. (“Superdigital”).