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HSBC Brand–Basic Elements Business Unit Nomenclature and Brand

External Name

Internal Descriptor

HSBC Insurance Services

Insurance Services

HSBC Mortgage Services

Mortgage Services

Decision One Mortgage

Decision One

HSBC Taxpayer Financial Services

Taxpayer Financial Services

HFC

Consumer Lending

Beneficial

Consumer Lending

HSBC Financial Corporation

HSBC Finance (Canada)

HSBC Auto Finance

Auto Finance

1Name of entire North American organization, including the former Household organization, HBUS and HBCA.

2Formerly known as Household International, Inc.

HSBC Brand–Basic Elements North America, April 27, 2005

Brand

Brand

6

External Name

Internal Descriptor

HSBC - North America1

HSBC

HSBC Finance Corporation2

HSBC Finance

HSBC Bank USA, N.A.

HSBC Bank USA

HSBC Bank Canada

HSBC Bank Canada

HSBC Card Services

Card Services

HSBC Retail Services

Retail Services

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