HSBC Financial Corporation Limited and its subsidiaries (HSBC Retail Services Limited, HSBC Finance Mortgages Inc., HSBC Finance Corporation Canada) ("HSBC Finance") service millions of customers in Canada with financial products and is proud to now be a member of the HSBC Group¹. HSBC Finance has the experience and resources to tailor loans that help customers reach their financial goals and realize their dreams.

Mission Statement

• Leading in our chosen markets
• Delivering an outstanding client experience based on excellence in sales, services and solutions
• Achieving a superior, ethically based, long-term return for our shareholders
• Building highly motivated, high-performance teams
• Creating a challenging, rewarding and fun work environment

A Brief History of HSBC Finance

HSBC Financial Corporation Limited is a wholly owned subsidiary of HSBC Bank Canada, the leading international bank in Canada.

In March 2003, HSBC Finance Corporation was acquired by the HSBC Group. As a result, we are proud to be part of HSBC - North America and a member of the HSBC Group, one of the largest banking and financial services organizations in the world. HSBC - North America is a leading provider of consumer loans and credit cards in the United States and Canada.

HSBC Financial Corporation Limited

As of April 1, 2005 HSBC Financial Corporation Limited and its subsidiaries adopted the HSBC brand. For over 80 years HSBC Finance (formerly HFC) has been meeting the credit needs of Canadians with some of the most helpful and innovative financial products and services available.

Operations in Canada were established in 1928, when Arthur P. Reid started the country's first chartered small loan firm, the Central Finance Corporation, with $250,000 invested by Toronto businessmen. Since 1933, through acquisitions and expansions, HSBC Finance developed its operations to become one of the largest consumer finance companies in the Canadian market.

Today, the members of HSBC Finance service more than a million customers across Canada with products and services tailored to suit their needs:

Personal lines of credit and terms loans are available through HSBC Finance Corporation Canada. HSBC Finance Corporation Canada also supports a network of branches across Canada to serve the financial needs of customers in their community.

All mortgages are provided by HSBC Finance Mortgages Inc., including home equity loans and personal lines of credit secured by a mortgage on real property.

HSBC Retail Services Limited provides retail credit through a Private Label credit card program, servicing major merchants throughout the country.

¹  "HSBC Group" means all entities in which HSBC Holdings plc hold, directly or indirectly, a controlling interest in.