| HSBC - 
                    North America is one of the top 10 financial services 
                    companies in the United States with assets approaching $300 
                    billion. HSBC - North America includes all of HSBC's U.S. 
                    and Canadian businesses, including HSBC Finance Corporation 
                    (formerly Household International) businesses, which were 
                    acquired in March, 2003. General Motors Corp. (NYSE: GM), the world's 
                    largest automaker, has been the global industry sales leader 
                    for 75 years. Founded in 1908, GM today employs about 
                    327,000 people around the world. With global headquarters in 
                    Detroit, GM manufactures its cars and trucks in 33 
                    countries. |