HSBC North America Holdings Inc.

HSBC North America Holdings Inc.

HSBC North America Holdings Inc.:

• CEO; Chairman and CEO, HSBC Finance: Siddharth N. (Bobby) Mehta
• SEVP and CFO, HSBC North America and HSBC Finance: Simon C. Penney
• EVP, Public Affairs: Linda Stryker-Luftig
Telephone these people at 847-564-5000

(as of 2 August 2005)

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