Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher

1. North America Credit and Risk Management 04/16/08 COO – HNAH, CEO- HBIO Niall Booker GMD & CRO HSBC Holdings, Inc. Brian Robertson Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher HBIO BU CEOs HBUS & HBCA Management Yvonne Chacon Sr. Executive Assistant HBIO BU Chief Credit Officers Corporate Risk Governance Jodi Richard Business Risk Review Per Ekholdt Operational Risk Management John Davis Reporting, Bureau & Admin Laura Labno Retail Credit Policy, Risk, and Portfolio Approval Shahzad Kazi HFCA Paul Azevedo Auto Gary Harman UK Amol Karve CRS Ronnie Momen CML Tony Piscopo TFS Bill Smullen • Integrated Risk • Reporting (All • Classes) • Risk Committees / • Boards & HNAH • Policy • Audit / Regulatory • Facilitation • Independent • Oversight • Retail Risk Process • Review • Basel II Review • Model Review • Operational Risk • Framework, Policy • & Reporting • Business • Communications / • Executive Reporting • Strategic Initiatives • & Relations • Credit Bureau • Management • People Strategy • Resource Allocation • & Administration • Retail Credit Policy • BU Credit Proposal • Approval • Retail Credit L&D HBUS & HBCA BU Chief Credit Officers • Risk Appetite • Basel II / EC • Guidance • Stress Testing HBUS Mortgage John Guo HBUS SME Ralph Smith HBCA Mike Grant • Portfolio Risk • Forecasting & • Reserving • Early Warning • Model Development • Model Oversight • India Team • Management Bruce Fletcher 224-544-3388 Paul Azevedo 416-443-3722 John Davis 847-564-7344 Per Ekholdt 224-544-7852 Michael Grant 604-641-2617 John Guo 716-651-6655 Gary Harman 858-492-6981 Amol Karve 44 (0) 1344-892238 Shahzad Kazi 224-544-3389 Laura Labno 224-544-3413 Ronnie Momen 831-772-6265 Tony Piscopo 224-544-3639 Jodi Richard 224-544-3911 Ralph Smith 716-841-6738 Bill Smullen 908-203-4383 • Risk Infrastructure • Information Delivery • Program Planning • Risk Systems

2. North America Credit and Risk Management HBIO Business Unit Credit Risk Management Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher HBIO Management Business Unit Chief Executive Officers Yvonne Chacon Senior Executive Assistant Canada Finance Paul Azevedo SVP Auto Gary Harman SVP UK Amol Karve SVP Card and Retail Services Ronnie Momen SVP Consumer and Mortgage Lending Tony Piscopo SVP Taxpayer Financial Services Bill Smullen SVP

3. North America Credit and Risk Management Corporate Risk Governance Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Integrated Risk • Reporting (All • Classes) • Risk Committees / • Boards & HNAH • Policy • Audit / Regulatory • Facilitation Corporate Risk Governance Jodi Richard SVP Charlene Herburger Executive Assistant Abigail Dawes VP 990137: FTE=2

4. North America Credit and Risk Management Operational Risk Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Operational Risk • Framework, Policy • & Reporting Operational Risk John Davis SVP Charlene Herburger Executive Assistant OPEN VP Monica Grobler AVP Robin Lupa AVP Lisa Romeo Analyst 99920: FTE=5, Open=1

5. North America Credit and Risk Management Business Risk Review Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Independent • Oversight • Retail Risk Process • Review • Basel II Review • Model Review Business Risk Review Per Ekholdt SVP Charlene Herburger Executive Assistant Business Review Mike Skonning SVP Score Review Tom Teng VP Independent Review OPEN SVP Yijue Hou Analyst Darrin Williams VP Rob Paliani VP Rahul Rao VP Lili Xia Analyst Yushu Hu Analyst 995060: FTE=10, Open=1

6. North America Credit and Risk Management Credit & Risk Administration • Business • Communications / • Executive Reporting • Strategic Initiatives • & Relations • Credit Bureau • Management • People Strategy • Resource Allocation • & Administration Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher Credit & Risk Administration Laura Labno SVP Charlene Herburger Executive Assistant Consumer Credit Data Management Carmen Hearn SVP People Strategy OPEN VP Regulatory, Group & Audit Liaison Hilary Bouchard VP Business Communication & Executive Reporting Chris Slama VP Magnum Liaison (Rap UP & Credit Check) Ed Sliviniskas AVP Contracts, Budget & Credit Bureau Reporting Cheryl Vonderhaar VP Martin Czajkowski AVP OPEN AVP Karen Velasquez Analyst Susan Tekampe AVP Irina Shleyfer Senior Analyst Will Womack AVP Sissy Boan Analyst Tyler Biela Analyst Jason Yeager Analyst 990222: FTE=17, Open=2

7. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval HBUS & HBCA Management Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher Retail Credit Policy, Risk & Portfolio Approval Shahzad Kazi EVP Paula Monaco Executive Assistant Retail Policy OPEN SVP Risk Appetite OPEN SVP Portfolio Risk OPEN SVP Risk Modeling Shounak Sarkar SVP Risk Infrastructure Steve Mongulla SVP HBUS & HBCA Business Unit Chief Credit Officers • Retail Credit Policy • BU Credit Proposal • Approval • Retail Credit L&D • Risk Appetite • Basel II / EC • Guidance • Stress Testing • Portfolio Risk • Forecasting & • Reserving • Early Warning • Model Development • Model Oversight • India Team • Management • Risk Infrastructure • Information Delivery • Program Planning • Risk Systems HBUS Mortgage John Guo HBUS SME Ralph Smith HBCA Mike Grant FTE=126

8. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Policy Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Retail Credit Policy • BU Credit Proposal • Approval • Retail Credit L&D Retail Credit Policy, Risk & Portfolio Approval Shahzad Kazi EVP Retail Policy OPEN SVP Isabel Trayer Executive Assistant Corporate Retail Credit Policy Susanna Au SVP Credit Policy & Approval Mike Vires SVP Development & Training Chris Fair VP Elisa Gargul VP Jeff Burke VP OPEN Senior Analyst Mike Crouse VP Jeremy Renger VP John Turpen VP OPEN VP FTE=11, Open=2

9. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Risk Appetite Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Risk Appetite • Basel II / EC • Guidance • Stress Testing Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Risk Appetite OPEN SVP Isabel Trayer Executive Assistant Regulatory Capital Analytics Steve Marasco VP Economic Capital Analytics Tom Dahlin SVP Basel II / Economic Capital Guidance Shannon Kelly VP Benjamin Chan AVP Vinay Kansal VP Arun Musinipally AVP John Voigt VP Robert Jordan Senior Analyst Hulan Ping Analyst Yulia Kharitonova Senior Analyst Andy Yang Analyst OPEN Analyst OPEN Analyst FTE=14, Open=3

10. North America Credit and Risk Management North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Credit Policy, Risk and Portfolio Approval Portfolio Risk Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Portfolio Risk • Forecasting & • Reserving • Early Warning Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Portfolio Risk OPEN SVP OPEN Executive Assistant Forecasting & Reserving Mahesh Viswanathan VP Portfolio Risk Analytics Tushar Waghmare SVP Ashok Nayak VP Greeta Kodiyil AVP OPEN Senior Analyst Michael Brainard VP OPEN Analyst Robert Fang AVP Saule Zhoshina AVP Faiz Ansari Senior Analyst OPEN Analyst FTE=12, Open=4

11. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Modeling Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Model Development • Model Oversight • India Team • Management Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Modeling Shounak Sarkar SVP OPEN Executive Assistant CRS Modeling Jon Sundberg VP CML Modeling Howard Lipkin SVP Other Modeling Siavash Farroktakin VP TFS Modeling Xiang Pei SVP India Team Mgmt / Oversight Sukiran Maity VP FTE=11 FTE=15 FTE=5 FTE=3 FTE=24 FTE=63

12. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Credit Modeling CML & Other Modeling Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Modeling Shounak Sarkar SVP OPEN Executive Assistant CML Modeling Howard Lipkin SVP Other Modeling Siavash Farrokhtain VP Cathy Dolsen VP Chingleng Kee VP Lena Huang VP Mykola Tkachenko VP Hariharan Nair AVP Julio Villarreal Lead Analyst Shi Li AVP Lian Wang AVP Yus Yahya Boneng Senior Analyst Shilpa Naik Analyst Haojing Wang Senior Analyst Garen Oganezov Senior Analyst Haiying Liu AVP Mason Lingyun Xiao Senior Analyst Yun Qiao Senior Analyst Marta Dabrowska Analyst Kristine Pendzimaz AVP Malgorzata Tancula Analyst FTE=21 Michael Tealdi Analyst

13. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Credit Modeling CRS & TFS Model Development Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Retail Credit Modeling Shounak Sarkar SVP OPEN Executive Assistant CRS Model Development Jon Sundberg VP TFS Model Development Xiang Pei VP Julia Bates AVP Gladys Chun Chan AVP Janet Orrick AVP Mingchang Jiang VP Anani Hoegnifioh Senior Analyst Georgia Katsis Senior Analyst Dena Beatty AVP Jin Zhang Senior Analyst Jing Cheng Analyst Pritha Ghosh AVP Alan Mendoza Senior Analyst OPEN Senior Analyst OPEN Senior Analyst OPEN Senior Analyst FTE=16, Open=3

14. North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Credit Modeling India Team Mgmt / Oversight Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Retail Credit Modeling Shounak Sarkar SVP India Team Management / Oversight Sukiran Maity VP Nitin Sareen AVP Omesh Saraf AVP Samyak Jain Manager Vijay Ballapuram AVP Ramnath Sivasubramanian AVP Nabhojit Basu Manager Hemanth Gurur Manager Jayeeta Bhattacharjee Assistant Manager Bairasamudram Reddy Analyst OPEN Senior Analyst Subama Roy Assistant Manager Pravin Kumar Assistant Manager Jatender Mohal Assistant Manager Indranil Sen Analyst Subhabrata Ghosh Analyst Jayaprakash Narayanan Assistant Manager Avisek Sarkar Assistant Manager Randhir Singh Analyst Mrityunjay Modgalya Analyst Debadrita Choudhury Analyst Joydeb Das Analyst Puneet Gupta Associate Analyst Lovleen Kushwah Analyst Srashitka Saxena Analyst FTE=29

15. North America Credit and Risk Management North America Credit and Risk Management Retail Credit Policy, Risk and Portfolio Approval Retail Credit Policy, Risk and Portfolio Approval Risk Infrastructure Chief Retail Credit Officer-HNAH & HBIO Bruce Fletcher • Risk Infrastructure • Information Delivery • Program Planning • Risk Systems Retail Credit Policy, Risk and Portfolio Approval Shahzad Kazi EVP Risk Infrastructure Steve Mongulla SVP Isabel Trayer Executive Asst. Risk Information Delivery Bruce Dianis SVP Program Planning & Re-engineering Amy Solar VP Program Delivery Management Joe Slowinski VP Risk Systems Integration & Support Tim Budreau VP Basel Infrastructure Russ Sthrome VP John Ghanayem AVP Maureen Buti AVP De Witt Kavanagh AVP Scott Beatty AVP Tony Nardiello AVP Rubina Bokhari AVP Paul Huang AVP Brian Gomez AVP Scott Schneider Senior Analyst Chris Lonn AVP Karen Heyden AVP Jacob Hyzny Analyst Ying Lu Senior Analyst Tom Shanklin AVP Susan McWaters Senior Analyst FTE=22