Esteban Reyes

The Group's principal activities are to provide commercial and retail banking, consumer finance, asset management, mortgage financing and payment processing services. The asset management includes both institutional asset and personal wealth management. The Group also provides home equity line of credit which consists of revolving lines of credit secured by residential real estate. Other consumer loans include installment loans for automobiles, boats and recreational vehicles, student loans. The Group provides credit card services and insurance services also. As on 31-Dec-2007, the Group operates through 1,400 branch banking offices and 4100 retail and wholesale mortgage offices located throughout the United States. On 05-Jan-2007, the Group acquired Fidelity Bankshares, Inc.

Wachovia Corp. provided commercial and retail banking services. It offered personal finance and wealth management services. The company was founded on June 16, 1879 and was headquartered in Charlotte, NC.

ABN AMRO Holding NV provides commercial banking services. The company operates commercial banking operations, investment banking and other related financial activities through its subsidiaries. It performs retail banking services mainly in its home country, Brazil (through Banco ABN AMRO Real), and the US, where it owns Chicago-based LaSalle Bank and Michigan's Standard Federal Bank. ABN AMRO Holding was founded in 1990 and is based in Amsterdam, the Netherlands.

Countrywide Home Loans, Inc. provides home loan and mortgage services. It generates loans through referrals from real estate agents, homebuilders and corporate relocation specialists through phone and internet. The company also provides ancillary services such as title, escrow and appraisal. Countrywide Home Loans was founded in 1969 and is headquartered in Calabasas, CA.

FCE Bank Plc engages in the provision of various retail, leasing, and wholesale automotive financial products and services to Ford dealers and customers through the Ford Credit and Ford Bank brand names. It operates through the following geographical segments: the United Kingdom; Germany; Italy; Spain; France; and Central or Other. The company was founded on September 3, 1963 and is headquartered in Laindon, the United Kingdom.

HomeBanc Corp. is a residential mortgage lender that originates loans through a retail network of stores and strategic marketing alliances, and hold a leveraged portfolio of prime mortgage loans. The company and its predecessors have been in the residential mortgage loan origination business for over 20 years. The company consider prime loans to be loans that satisfy prescribed investment criteria, namely loan product type, credit scores and loan-to-value ratios

HSBC USA, Inc. provides commercial banking services. Its customers include individuals, including high net worth individuals, small businesses, corporations, institutions and governments. The company operates through the following segments: Retail Banking and Wealth Management (RBWM), Commercial Banking (CB), Global Banking and Markets (GB&M), Private Banking (PB), and Corporate Center (CC). The RBWM segment provides banking and wealth products and services, including personal loans, MasterCard and Visa credit card loans, deposits, branch services and financial planning products and services such as mutual funds, investments and insurance. The CB segment offers domestic and international services and banking, insurance and investment products to companies, government entities and non-profit organizations. The GB&M segment provides tailored financial solutions to major government, corporate and institutional clients as well as private investors worldwide. The PB segment provides private banking and trustee services to individuals and families with local and international needs which include specialist advisory services, including banking, liquidity management, investment services, custody services, tailored lending, wealth planning, trust and fiduciary services, insurance, family wealth and philanthropy advisory services. The CC segment includes BSM and legacy structured credit products, as well as a portfolio of residential mortgage loans, including certain loan servicing activities performed on behalf of HSBC Finance. HSBC USA was founded in 1973 and is headquartered in New York, NY.