Bernardo Guerra Treviño has served on Grupo Famsa’s Board of Directors since 2011 and at Banco Ahorro Famsa’s since 2007 to 2014. He is Co-founder and Managing Director at Guerra Capital Asesores (MG Capital). Additionally, he is a Director on the Board of Axtel and chairs its Audit and Corporate Practices Committee. Moreover, he is a Director on the Board and Chairman of the Audit and Corporate Practices Committee in Promotora Ambiental. He is an Industrial engineer from the ITESM.

Salvador Kalifa Assad has been a Director on the Board of Grupo Famsa since 1997 and on the Board of Banco Ahorro Famsa since 2007. He currently runs his own company, Consultores Economicos Especializados, S.A. de C.V. and performs analysis for the magazzine Alto Nivel and for a number of Mexican newspapers in a number of editorial columns. Mr. Kalifa was engaged as Director of Economic Analysis at Grupo Alfa for 7 years, and also served at Grupo Financiero GBM-Atlantico. Additionally, he has served as a Director on the Boards of Grupo IMSA, Verzatec and Banorte. He holds a Bach. degree in Economics from ITESM and possesses a Masters and a PhD in Economics from Cornell.

Jorge Luis Ramos Santos has been Director on the Board of Grupo Famsa since 2006 and director ofthe Board of Banco Ahorro FAMSA since 2015. He currently acts on behalf of Heineken Americas in its joint ventures and is also Senior Advisor of this Company. He has also performed as Vice-Chairman at Heineken Americas, CEO of Cerveceria Cuauhtemoc Moctezuma, as well as HR and Commercial SVP in Femsa Cerveza. He is currently Director at the Board of a number of companies in Latam, as well as member of business organizations and universities’ patronages in Mexico. He holds a Bach. in Accounting and Administration from ITESM, a Masters in Administration from Wharton School of the University of Pennsylvania.

Has served his profession in several positions at Grupo Financiero BBVA Bancomer from 1982 to 2002, including the position of Director of Audit which he held for the last 10 years before his departure from the group. Subsequently, from 2003 to 2016, he joined the Instituto de Fondo Nacional de la Vivienda para los Trabajadores (Mexico’s National Workers Housing Fund Institute, “INFONAVIT”), where he held the position of Chief Audit Executive for the last 10 years before his departure from the institution. Mr. Gutierrez holds a B.A. in Accounting from the Escuela Bancaria y Comercial, SC (Mexico’s School of Banking and Commerce, “EBC”), he also holds a Certified Internal Auditor (“CIA”) certification from the Institute of Internal Auditors (“IIA”), as well as several Diplomas in Comprehensive Audit, Financial and Credit Risk Management, and Corporate Governance from universities such as Universidad Nacional Autónoma de México, Instituto Tecnológico Autónomo de México, and Universidad Anáhuac.

Has over 16 years of experience in the Mexican Financial System. He currently serves as director and consultant of several financial institutions. He acted as Executive Secretary of the Instituto para la Protección al Ahorro Bancario (Mexican Bank Savings Protection Institute, known by its acronym in Spanish as “IPAB”) for 2 years, Credit Manager of the Banco Nacional de Obras y Servicios Públicos (Mexican National Works and Public Services Bank, known as “Banobras”) for 4 years, and VP of Supervision of the Comisión Nacional Bancaria y de Valores (Mexican National Banking and Securities Commission, “CNBV”) for 5 years. He has been an adviser of the World Bank and Inter-American Development Bank, as well as commissioner, director and/or member of the Technical Committee of the following institutions: Nacional Financiera (“Nafin”), Banco Nacional de Comercio Exterior (National Exterior Commerce Bank, “Bancomext”), Banco Nacional del Ejército Fuerza Aérea y Armada (Mexican National Army, Air Force and Navy Bank, “Banjercito”), FINA, Fondo para el Desarrollo Comercial (Mexican Commercial Development Fund, an extinct trust known as “Fidec”), Patronato del Ahorro Nacional (institution which transformed into the Banco del Ahorro Nacional y Servicios Financieros, the Mexican National Savings and Financial Services Bank, known as “Bansefi”), Agroasemex, and Fideicomiso Liquidador de Instituciones y Organizaciones Auxiliares de Crédito (Auxiliary Credit Institutions and Organizations Liquidator Trust, “Fideliq”). He has also been a member of the Board of Governors of the CNBV, the Comisión Nacional del Sistema de Ahorro para el Retiro (Mexico’s National Commission for Retirement Savings, “CONSAR”), the Comisión Nacional de Seguros y Fianzas (Mexican National Insurance and Bonding Commission, “CNSF”), and the Servicio de Administración y Enajenación de Bienes (Mexican Management Service and Property Disposal Department, “SAE”). Mr. Ochoa holds a Bachelor’s Degree in Economics from the Universidad Nacional Autónoma de México (“UNAM”) and an MBA in Finance from the MIT Sloan School of Management, as well as a certificate in Management and Leadership from the same institution.