Banco Bilbao Vizcaya Argentaria S.A.

Mr. FRANCISCO GONZÁLEZ RODRÍGUEZ Chairman and CEO Born in Chantada (Lugo), Spain, in 1944. Married. Graduated in Economic and Business Sciences from Universidad Complutense de Madrid. Professional Background: Francisco González has been Chairman and CEO of BBVA since January 2000. Francisco González is Vice-Chairman of The Institute of International Finance (IIF), Member of the European Financial Services Round Table (EFR), Member of the Institut International D'Études Bancaires, Member of the Capital Markets Consultative Group of the IMF (CMCG), Member of the Board of Directors of the International Monetary Conference (IMC), Member of the Global Advisory Council of the Conference Board and Member of the International Advisory Committee of the Federal Reserve Bank of New York, among other international fora. He is also Chairman of the Fundación BBVA and Governor of the Red Cross, Foundation for Help Against Drug Addiction, Foundation for Terrorism Victims, the Guggenheim Museum in Bilbao, Museo de Bellas Artes in Bilbao, Fundación Príncipe de Asturias, Real Instituto Elcano, Fundación Carolina, ESADE, FEDEA, Fundación de Estudios Financieros, Instituto de Estudios Económicos and Institut Europeu de la Mediterránia. Prior to the merger between Banco Bilbao Vizcaya and Argentaria, Francisco González was chairman of Argentaria from 1996 to 1999, when he led the integration, transformation and privatisation of a very diverse group of State-owned banks. Before joining Argentaria, Francisco González founded the Securities Firm, FG Inversiones Bursátiles, which became the first independent firm of brokers in Spain. Francisco González is also a registered Spanish Stock Broker (ranking first amongst the candidates examined in 1980) and Trader for the Bolsa de Madrid. He was member of the Executive Committee of the Bolsa de Madrid and the Executive Committee of Bancoval. He began his professional career in 1964 as programmer in an IT company. His ambitions to transform 21st-century banking with the support of new technology dates back to this time.

Mr JOSÉ IGNACIO GOIRIGOLZARRI TELLAECHE President and COOO Born in Bilbao (Vizcaya) in 1954. Married. Graduated in Economic and Business Sciences from Universidad de Deusto. Finance and Strategic Planning at Leeds University (UK). Strategic Planning lecturer at Universidad Comercial de Deusto (1977 – 1979). Professional Background: ?? Joined Banco de Bilbao in 1977, Strategic Planning area. ?? In 1992 was appointed General Manager of the BBV. ?? In 1994 joined the BBVA Management committee. ?? Has been in charge of Retail Banking in Spain and Latin-American operations. ?? In April 2001 was appointed General Manager of the BBVA Group, in charge of Retail Banking. ?? In December 2001 was appointed BBVA Chief Operating Officer. ?? BBVA Bancomer board member. ?? Citic Bank board member. ?? Spanish chairman of the United States-Spain Council.

In 2002, Mr. Arbizu joined BBVA as Chief Legal Counsel and member of the Executive Committee. From 1990 to 1993, he was Lecturer of Administrative Law at ICADE and since 1999 is a member of the Royal Academy of Law in Spain.

Mr. Manuel Galatas was appointed as a Director of the Company on 1 March 2007. Mr. Galatas is the General Manager for Asia of BBVA. He has been working within BBVA Group since 1994. Mr. Galatas holds a Bachelor of Arts Degree in Business Administration and International Finance from Georgetown University in the United States. He was formerly the Chairman of BBVA Switzerland. He has extensive business connections and experience in private banking, asset management and in banking.

Mr. JOSÉ MALDONADO RAMOS Director and Secretary Born in Madrid in 1952. Married. Graduated in Law from Universidad Complutense de Madrid, winning the extraordinary first Graduation Prize. Professional Background: In 1978 passed State Exams and joined Spanish State Counsel Corps (Cuerpo de Abogados del Estado). Was appointed Technical General Secretary to the Ministry of Territorial Administration, the Undersecretary of the same Department in 1982. Has acted as Legal Secretary for various governing bodies on public companies, including: Astilleros y Talleres del Noroeste, S.A. (ASTANO); Aplicaciones Técnicas Industriales, S.A. (ATEINSA); Oleaginosas Españolas, S.A. (OESA); Camping Gas, S.A. and Aviación y Comercio, S.A. (AVIACO). Has been Secretary of the Board and Director of Legal Services for Empresa Nacional para el Desarrollo de la Industria Alimentaria, S.A. (ENDIASA); Astilleros Españoles, S.A.; and Iberia Líneas Aéreas de España, S.A. Practicing lawyer: Legal Counsel for Banco Exterior, S.A.; Legal Counsel for Banco Internacional de Comercio, S.A. and Banco Central Hispanoamericano S.A., as well as Director and Secretary of Sindibank, S.B. Was appointed Director and Secretary General of ARGENTARIA in April 1997. Was appointed Director and Secretary General of BANCO BILBAO VIZCAYA ARGENTARIA, S.A. on 28th January 2000.

Mr. CARLOS LORING MARTÍNEZ DE IRUJO Director Born in Mieres (Asturias) in 1947. Married. Graduated in Law from Universidad Complutense de Madrid. Professional Background: In 1971 joined J&A Garrigues, becoming Partner in 1977. Held posts there as Director of M&A Department, Director of Banking and Capital Markets, and acted as legal consultant for big public companies. Since 1985, has been member of its Management Committee. His activity has focussed on advising big multinational corporations on mergers and acquisitions, and he has been intensely involved in the legal coordination of some key global floats and placements, for Spanish and non-Spanish companies, representing arrangers and issuers. More recently, he has been providing consultancy services for listed companies in their big corporate operations, giving them legal assistance at their General Shareholders Meetings. He is a renowned specialist in Corporate Governance, having helped several public companies to restructure their organisation as new recommendations and regulations on good governance have been published in Spain. Recently, the “International Who’s Who of Business Lawyers” named him one of the leading legal experts worldwide in Corporate Governance. From 1984 to 1992 was member of the Governing Body of the Colegio de Abogados de Madrid (Madrid Law Association). Has worked with the Centro de Estudios Garrigues as a member of the Advisory Board for the Masters in Private Banking. He was appointed to a BBVA directorship on 28th February 2004.

Mr. ENRIQUE MEDINA FERNÁNDEZ Director Born in La Puebla de Montalbán (Toledo) in 1942. Married. Graduated in Law at Universidad Complutense de Madrid. Professional Background: 1967 Joined Spanish State Counsel Corps (Cuerpo de Abogados del Estado). Held posts in the Government’s Tax and Courts Service in Cáceres; Directorate General for Administrative Judicial Review; and in the Supreme Court. Head of the Technical Advisory Bureau for the Undersecretary of Finance and Director General for Territorial Planning. In 1971, was appointed Director on the Board of Banco de Crédito a la Construcción. From 1975 to 1981, held the post of Director and Secretary of the Board for Banco de Progreso. From 1985 to 1989, held same posts in Corporación Financiera Alba and From 1989 to 1991, in Banco Urquijo. Deputy Chairman of Ginés Navarro Construcciones until it merged to become Grupo ACS. He was appointed to a BBVA directorship on 28th January 2000.

Mr. IGNACIO FERRERO JORDI Director Born in Barcelona in 1945. Married. Graduated in Law from Universidad de Barcelona. Professional Background: Chairman of Board of Directors and Chief Operating Officer of NUTREXPA. Chairman of the Board and Chief Operating Officer of LA PIARA, Deputy Chairman of FEDERACIÓN DE INDUSTRIAS DE ALIMENTACIÓN Y BEBIDAS, from 23rd April 1980. Deputy Chairman of INSTITUTO DE LA EMPRESA FAMILIAR, from 10th July 2000. Member of Board and of Executive Committee of FOMENTO DEL TRABAJO NACIONAL, from January 1997. Member of the Board of MAZ (Mutua Accidentes de Zaragoza) from 31st March 2000. Member of Board of AECOC (Asociación Española de Codificación Comercial) from 25th February 2003. Member of Board of SODIGEI (Lladró), Sociedad de Desarrollo Industrial y Gestión de Inversiones, S.A., from 7th November 2003. He was appointed to a BBVA directorship on 28th January 2000

Mr. JOSÉ ANTONIO FERNÁNDEZ RIVERO Director Born in Gijón (Asturias) in 1949. Married. Graduated in Economic Sciences from the Universidad de Santiago. Professional Background: 1976 – Joined Arthur Andersen (Systems). 1977 –Joined Banco de Vizcaya, where he was Director of Administration and Control for the International Division. 1986 – Chairman of the Management Committee of Banque de Gestion Financière, S.A. (Bélgica). 1988-1989 – Was Deputy Director General for Planning and Control in Commercial Banking, and later Regional Director of Retail Banking. In 1990 he joined Banco Exterior de España as Comptroller General, occupying the same post in Corporación Bancaria de España (Argentaria) from 1991 to 1995, where he was appointed Director General for Internal Comptrol and Oversight. In 1997 he took over the duties of General Manager for Organisation, Systems, Operations, Human Resources, Purchases and Real Estate. In 1999, after the merger with BBV, he was appointed General Manager of BBVA Systems and Operations. Was appointed Group General Manager in 2001, with a wide range of responsibilities in different areas. He was, as BBVA representative, member of the Board of: Telefónica, Iberdrola, Banco de Crédito Local, and Chairman of Adquira. He was appointed to a BBVA Directorship on 28th February 2004 and Chairman of Risks Committee on 30th March 2004.

Mr. JUAN CARLOS ALVAREZ MEZQUIRIZ Director Born in Cremenes (León) in 1959. Married. Graduated in Economic Science from the Universidad Complutense de Madrid. Professional Background: 1988 – Joined FISEG, Empresa Financiera de Servicios Generales. 1990 – General Manager of EL ENEBRO, S.A. (Grupo Eulen) 1993 - Financial Area Director, EULEN, S.A. 2002 - Managing Director of GRUPO EULEN, S.A. He was appointed to a BBVA directorship on 28th January 2000.

1966 SEMA – METRA. Investment project analyst. 1971 BANCO POPULAR. Special Risks Officer. Head of Investment Division. 1978 MINISTRY OF THE ECONOMY & FINANCE Director General for Planning NATIONAL INDUSTRY INSTITUTE (INI) Member of Board of Directors 1978 OFFICIAL LENDING INSTITUTE (ICO). Chairman 1982 DEPOSIT GUARANTEE FUND. Director Advisory for the World Bank (Argentine banking system) 1991 – 2004 BANCO POPULAR. Member of the General Management Committee (1991-2004). Branch-network Director (1991-1995) Comptroller General (1995 – 1999) Technical Secretary General, in charge of consolidated financial information, reporting to Bank of Spain and the Group’s equity management (1999 – 2004). Has been a member of the general council of the Spanish banking association (AEB) and the board of trustees of CUNEF, the Complutense University financial-studies college. He was appointed to a BBVA directorship on 16th March 2007. He has been chairman of the Audit & Compliance Committee since 28th March 2007.

Mr. RAMÓN BUSTAMANTE Y DE LA MORA Director Born in Madrid in 1948. Married. Graduated in Economic and Business Sciences from Universidad Complutense de Madrid. Professional Background: 1972 – IBERIA, L.A.E. Studies Service. 1975 – BANCO COMERCIAL DE CATALUÑA. Accounts Director. 1976 – BANCA GARRIGA NOGUÉS. Accounts Director. 1986 – BANCA GARRIGA NOGUÉS. Deputy General Manager. 1986 – BANESTO. Various senior posts and responsibilities: Director of Territorial Norte; (1987) Director O.P. Madrid and Regional Director for Madrid; (1990) Deputy General Manager for Commercial and Marketing Strategy; (1992) Deputy General Manager for Managing Director; (1993) Managing Director at Bandesco. 1996 – ARGENTARIA. Senior Managing Director and Chairman of the Control Committee; Senior Managing Director of Retail Banking; non-executive Deputy Chairman; (1997) Chairman of Unitaria. He was appointed to a BBVA directorship on 28th January 2000.

Mr. ROMÁN KNÖRR BORRÁS Director Born in Sueca (Valencia) in 1939. Married. Commercial Management, Marketing and Advertising qualifications from various Institutes in Barcelona and San Sebastián. Professional Background: 1955-1961 AREITIO, S.A. Business Group. 1961-1992 KAS Business Group (Head of Advertising and PR; Sales and Marketing Manager; Deputy Chairman of KAS, S.A. and KNÖRR ELORZA, S.A. Was Director and Chairman of ZUMOS DE NAVARRA, S.A.; Director and Chairman of MIKO, AVIDESA and CASTILLO DE MARCILLA; Director of S.A. DE ALIMENTACIÓN, Director of ALIMENTOS NATURALES, S.A. and Director of AGUAS DE SAN MARTÍN DE VERI, S.A. Has also been Deputy Chairman of ASOCIACIÓN NACIONAL DE FABRICANTES DE ZUMOS, and member of the Management Committee of ASOCIACIÓN ESPAÑOLA DE ANUNCIANTES, and the Management Committee and Board of Directors of la ASOCIACIÓN NACIONAL DE FABRICANTES DE BEBIDAS REFRESCANTES. Also Chairman of CONSULNOR ALAVA, S.A., Chairman of EUROKAS SICAV, S.A. and Board member of PATRIMIX SIMCAVF, S.A. From June 1994 to June 1999 was Chairman of SINDICATO EMPRESARIAL ALAVÉS. Was Chairman of the Basque Industrial Confederation, (Confederación Empresarial Vasca or CONFEBASK) from July 1999 to July 2005, and member of Executive Committee and Management Board of Spanish Industrial Confederation (CEOE). Is currently Director of MEDIASAL 2000, S.A., and CASARES GOLF GARDENS, S.L., and Chairman of CARBÓNICAS ALAVESAS, S.A., Chairman of VÍA PROMOCIÓN DEL AEROPUESTO DE VITORIA, S.A., Chairman of VITORIA INTEGRATED AIR SERVICES, S.A., Joint Director of FUTURE DRINKS & FOODS, S.L. and President of the Álava Chamber of Commerce since 27th March 2006. Plenary member and Chairman of the Training Committee of the Supreme Council of Chambers of Commerce. Chairman of CAMARAS DE COMERCIO VASCAS- EUSKO GANBERAK Member of the Board of INNOBASQUE (Agencia Vasca de la Innovación) He was appointed to a BBVA directorship on 28th May 2002.

Ms. SUSANA RODRÍGUEZ VIDARTE Director Born in Bilbao (Vizcaya) in 1955. Married. Doctor in Economic and Business Sciences from Universidad de Deusto. Professional Background: Has mainly worked in the academic world. Teacher and Researcher at Management Department, Faculty of Economic and Business Sciences. La Comercial de la Universidad de Deusto. Held Chair in Business Economics and Management Control, with teaching activities in undergraduate and postgraduate programmes at La Comercial in Spain, Argentina and Chile. Since 1996 has been Dean of the Economics and Business Sciences Faculty La Comercial de la Universidad de Deusto and since 2003, Director of Instituto Internacional de Dirección de Empresas. Is currently member of the Executive Committee of the Management Board of the Universidad de Deusto and its Academic Committee. Member of Board of Governor of Fundación Deusto; of Fundación Luis Bernaola and the Management Board of Cluster del Conocimiento en Gestión Empresarial. Joint Editor of Boletín de Estudios Económicos. Member of Instituto de Contabilidad y Auditoría de Cuentas (Accountants and Auditors Institute). Was appointed to a BBVA directorship on 28th May 2002.

D. TOMÁS ALFARO DRAKE Directorr Born in Madrid in 1951 Married Studied engineering at ICAI Masters degree in Economics and Business Management (MBA) from IESE Professional Background: 1973 – 1975 DIMETAL, S.A. Systems engineer. 1975 – 1977 DIMETAL, S.A. Sales and Marketing Manager, Industrial Automation Division 1979 – 1981 JOHNSON WAX ESPAÑOLA, S.A. Product Manager 1981 – 1998 Instituto de Empresa Director of marketing area Director of masters programme in Commercial Management and Marketing. Academic director Teaching activities as lecturer on finance and marketing. Continues to lecture. 1981-1998 Consultant for finance and marketing at Spanish and multinational companies in different industries, including finance, industry, distribution and services. 1998 Universidad Francisco de Victoria Director of degree in Business Management and Administration Director of diploma in Business Sciences. He was appointed to a BBVA directorship on 18th March 2006.