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Stan O'Neal

Chairman of the Board and Chief Executive Officer

Stan O'Neal, chairman of the board and chief executive officer.

He heads one of the world's leading personal and institutional financial management and advisory firms, with offices in 37 countries and approximately $1.6 trillion.

Mr. O'Neal became chief executive of the company in December 2002 and was elected chairman in April 2003. He has held a series of increasingly responsible positions since joining the company in 1986 as vice president of investment banking.

He was named president and chief operating officer in July 2001 and served as president of Merrill Lynch's U.S. Private Client group from February 2000 until July 2001.� He served as executive vice president and chief financial officer of Merrill Lynch from 1998 until 2000 and also held the position of executive vice president and co-head of the Corporate and Institutional Client Group (now Global Markets & Investment Banking) prior to that.� Previously, Mr. O'Neal had been in charge of Capital Markets and a managing director in investment banking, heading the financing services group, which included the high yield finance, restructuring, real estate, project and lease finance, and equity private placement groups.

Before joining Merrill Lynch, Mr. O'Neal was employed at General Motors Corporation in New York and Madrid.� He held a number of financial positions at the company, including general assistant treasurer in New York, responsible for mergers, acquisitions and domestic financing activities.

Mr. O'Neal received a master's of business administration with distinction in Finance from Harvard University and is a graduate of Kettering University (formerly General Motors Institute).

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