HSBC Sa

Age 55. An executive Director since 2004. Joined HSBC in 1973. Chairman of the Group Management Board. Chairman of HSBC Bank USA, N.A., HSBC Bank Canada, HSBC Latin America Holdings (UK) Limited and HSBC USA Inc. Deputy Chairman of HSBC Bank plc. A Director of The Hongkong and Shanghai Banking Corporation Limited, and HSBC North America Holdings Inc. Chief Executive of HSBC Bank plc from 2004 to 2006. Responsible for all of HSBC's business throughout South America from 2000 to 2003. President of HSBC Bank Brasil S.A. – Banco Múltiplo from 1997 to 2003. Mr Geoghegan is a career banker with over 35 years' international experience with HSBC. He has worked in the Americas, Asia, the Middle East and Europe. He established the Group's operations in Brazil in 1997 following the creation of Banco HSBC Bamerindus S.A and in 2003 he was honoured with a CBE in recognition of his contribution to British business interests in Brazil.

John Vandermark, Assistant Vice President with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1993. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Julie Picone-DeGlopper, Assistant Vice President of Mortgage Retail Sales with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1991. She is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Mary Beth Eggert, Assistant Vice President with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1994. She is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Michael D. DerCola, a Regional Mortgage Lending Manager with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1983. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Bob Lyle, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry for over 40 years. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Cheryl Schroy, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the banking industry since 1990. She is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Daniel Lusignan, a Senior Retail Mortgage Consultant with HSBC Mortgage Corporation (USA) has been in the mortgage industry since 1998. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

David Travis, Senior Retail Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1986. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Diane Conlin, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage inductry since 1981. She is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Eileen L. Reilly, a Senior Retail Mortgage Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 2002. She is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Elma Roland, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been with HSBC Mortgage since 2001. She is a knowledgeable professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Ernest Rispoli, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1999. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Harold Schaefer, Senior Mortgage Lending Consultant with HSBC Mortgage Corporation(USA), has been in the mortgage industry since 1994. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Hernan Lopez, Senior Mortgage Lending Officer with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1994. He is a knowledgeable, experienced professional who specializes in courtesy and finding the right products to fit each customers personalized mortgage needs.

Leo Rodriguez is a Senior Mortgage Consultant with HSBC Mortgage Corporation (USA). He has been in the mortgage industry since May 2002. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customer's personalized mortgage needs.

Patrice Fitzsimmons, Senior Mortgage Lending Officer with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1992. She is a knowledgeable, experienced professional who specializes in courtesy and finding the right products to fit each customers personalized mortgage needs.

Patrick Burdick, Senior Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1990. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Paul Gallivan, a Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1991. He is a knowledgeable, experienced professional who specializes in finding the right products to fit each customers personalized mortgage needs.

Shelly A. LeClair, Senior Retail Mortgage Lending Consultant with HSBC Mortgage Corporation (USA), has been in the mortgage industry since 1988. She is a knowledgeable, professional who specializes in courtesy and finding the right products to fit each customers personalized mortgage needs.

Vincent Cheng Hoi Chuen has been Chairman of The Hongkong and Shanghai Banking Corporation Limited since May 2005, and Chairman of HSBC Bank (China) Company Limited since March 2007. Mr Cheng joined the HSBC Group in 1978 when he worked in the Group Finance department of The Hongkong and Shanghai Banking Corporation. He moved to the Group Planning department in 1982, before he was appointed Chief Economist in 1986. In April 1989, Mr Cheng was seconded to the Hong Kong Government's Central Policy Unit and served as an adviser to the Governor of Hong Kong for two years. He rejoined HSBC in 1992 as Senior Manager, Economic and Strategic Research, before becoming the bank's Chief Financial Officer in 1994. He took up the post of General Manager in June 1995 and then Executive Director in November that same year. Mr Cheng was appointed Vice-Chairman and Chief Executive of Hang Seng Bank in 1998, and became Chairman of The Hongkong and Shanghai Banking Corporation Limited on 25 May 2005. Mr Cheng was also named Chairman of HSBC Bank (China) Company Limited when the company was locally incorporated in mainland China on 29 March 2007. In January 2008, Mr Cheng was appointed a member of the National Committee of the 11th Chinese People's Political Consultative Conference (CPPCC), and a senior advisor to the 11th Beijing Municipal Committee of the CPPCC. His previous government advisory roles have included Member of the Executive Council (the Hong Kong Government's highest policy-making body) from 1995 to 1997 and a Hong Kong Affairs Adviser to the People's Republic of China from 1994 to 1997. He was also a Member of the Legislative Council of the Hong Kong Government from 1991 to 1995. His current public service duties include serving as Chairman of the Standing Committee on Directorate Salaries and Conditions of Service for the Government of the Hong Kong Special Administrative Region and Member of the Exchange Fund Advisory Committee of the Hong Kong Monetary Authority. He is also Honorary President of the Hong Kong Society for Rehabilitation. In December 2005, Mr Cheng was conferred the degree of Doctor of Social Science, honoris causa, by The Chinese University of Hong Kong and the degree of Doctor of Business Administration, honoris causa, by The Open University. In July 2005, Mr Cheng was awarded the Gold Bauhinia Star by the Government of the HKSAR for his distinguished community service. Mr Cheng was educated in Hong Kong and in New Zealand, receiving his Bachelor of Social Science degree in Economics from The Chinese University of Hong Kong and a Master of Philosophy degree in Economics from The University of Auckland.