United States of America

HSBC North America Holdings Inc

26525 North Riverwoods Boulevard,
4 North East, Mettawa, Illinois, 60045

Tel: +1 224-544-2000

Non-executive Chairman: Stephen K. Green

HSBC Bank USA, National Association

1105 N. Market Street,
Wilmington, Delaware 19801

Tel: +1 302 652 4673
Fax: +1 302 652 4927

Chief Executive Officer: Paul Lawrence

HSBC Bank USA, N.A. with its main office in Delaware, has nearly 400 branches in New York State, a network of branches in Florida, California, Pennsylvania and New Jersey, and one branch each in Washington state, Washington, D.C. and Oregon. It is the principal subsidiary of HSBC USA Inc, an indirectly-held, wholly-owned subsidiary of HSBC North America Holdings Inc, one of the nation’s ten largest bank holding companies by assets.

For more information about HSBC Bank USA, N.A. and its products and services visit www.us.hsbc.com.

Personal Financial Services

The Personal Financial Services segment provides a broad range of financial products and services including installment and revolving term loans, deposits, branch services, mutual finds, investments and insurance. Residential mortgage lending provides loan financing through direct retail and wholesale origination channels.

Commercial Banking

Commercial Banking provides loan and deposit products to small and middle-market corporations including specialised products such as real estate financing. Various credit and trade related products are also offered including standby facilities, performance guarantees and acceptance.

Corporate, Investment Bank and Markets

Corporate, Investment Bank and Markets provides tailored financial products and services to major government, corporate and institutional clients. It includes four main business lines: corporate and institutional banking, investment banking, markets and transaction banking. The Bank's affiliate, HSBC Securities (USA) Inc., serves as a primary dealer in US government and federal agency securities.

Private Banking

HSBC Private Bank offers a full range of services for high-net-worth individuals and families including deposits, tailored credit and banking, investment management, trust and estate administration, custody and retirement services. In addition, Private Bank professionals are able to leverage HSBC's vast global capabilities, resources and expertise on behalf of clients - capabilities ranging from wealth and tax advisory, philanthropy and family office advisory, to structured products, real estate and middle-market lending.

HSBC Finance Corporation

26525 North Riverwoods Boulevard,
4 North East, Mettawa, Illinois, 60045

Tel: +1 224-544-2000

Non-executive Chairman: Douglas Flint
Chief Executive Officer: Brendan McDonagh

HSBC Finance Corporation is a subsidiary of HSBC North America Holdings Inc. Its businesses are leading providers of consumer loans, credit cards, auto finance and credit insurance products in the US, UK and Canada.

Consumer lending, HSBC Finance Corporation's largest business, was founded in 1878 and operates under two of the oldest and most widely-recognised brands in consumer finance - HFC and Beneficial - through approximately 1,300 branch offices in 45 states in the US.

Businesses/Services offered: Consumer lending; mortgage services; direct lending; credit card services; retail services; auto finance; refund lending, credit and specialty insurance.