James D. Hogan

JAMES D. HOGAN joined Sovereign Bancorp, Inc., in April, 2001, as its
Chief Financial Officer with responsibilities for all financial,
accounting, treasury and reporting functions. Mr. Hogan also serves as a
member of Sovereign’s Office of the Chairman. He graduated from Miami
University in Ohio with a Bachelor of Science degree in Accounting and
is a Certified Public Accountant. He came to Sovereign from Firstar
Bancorp where he served as Executive Vice President and Controller. He
started his banking career in 1970 as a bank audit specialist with
Coopers & Lybrand. He also served as Controller of the Idaho First
National Bank prior to joining Firstar in 1987. Mr. Hogan is a member of
the Financial Managers Society and serves on the Boards of the United
Way of Berks County, the Reading Public Museum Foundation and the YMCA
of Reading.