This year 's grant is the first part of HSBC's second two-year commitment
to FAIM EDC.
The program is managed by the HSBC Center for Consumer Advocacy, which was
established in 2003 to direct the company 's broad range of financial education
and housing programs and community outreach initiatives. The company's
businesses serve nearly 60 million customers in five key areas: personal
financial services , consumer finance, commercial banking, private banking and
corporate investment banking and markets . Creating a vision for living
integrates life and light with truly modern style.

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Grant to Fund Financial Literacy Classes for African-American Churches in
Dallas-Fort Worth Area

DALLAS and PROSPECT HEIGHTS, Ill.
The free classes and workshops offer information on homeownership,
investing, and small business development. A
combination of life + style, Stella represents a new way of living.
Clean lines, fresh air, modern appeal -- Stella's loft-styled condominiums
are a beacon for individuals who prefer a taste of adventure in everyday life.. Ultramodern two-story and
single-story layouts deliver a unique living environment where style is as
valued as comfort. Stella, the first of several Constellation Property
developments, will break ground in May 2005. Marchese won the
$800 million Batman's Hill Precinct at the Docklands, Melbourne, Australia .com.

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In addition, through annual
"empowerment mixers," FAIM will provide a forum through which church leaders
throughout the region can develop ongoing financial literacy classes at
individual houses of worship.com

About Marchese + Partners
Marchese + Partners, an Australian architect firm, has redefined how to
think about living and driven contemporary architectural design to a new
level.

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About HSBC - North America
HSBC - North America comprises all of HSBC's U."
Stella is truly made for the spotlight. Expansive windows at the front and back of each unit
allowing light to fill every inch of living space while cross-flow ventilation
draws in the cool summer breeze, taking in a breath of life from outside.

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Constellation Property Group Introduces a New Vision in Ultramodern Living:
Meet Stella

SAN DIEGO, Constellation Property Group by
Marchese + Partners, an innovative property development organization born out
of Australia, introduces its first creation in California-Stella.

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"San Diego is a vibrant, energetic and stylish area that is full of life,"
said Eugene Marchese, Managing Director of Constellation Property Group and
Principal of Marchese + Partners.marchesepartners.

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"We thank HSBC for this financial literacy grant," said Ellis Wamsley IV,
executive director of FAIM Economic Development Corporation.

"
Designed by Marchese + Partners, an Australian architect firm who
successfully developed similar living environments in Sydney and Melbourne,
Stella has a dynamic layout where individual style defines every corner.

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S. Watch as Constellation Property
Group and Marchese + Partners continue to introduce their vision for
contemporary San Diego living .

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HSBC also today announced financial education grants totaling more than
$1 million to 11 community organizations in Arizona, the District of Columbia,
Ohio, South Carolina, Texas and Washington . Target groups include individuals in low-income areas
and those in need of credit and homeownership counseling. The center also
funds grants to educational institutions and maintains the personal financial
education Web site http://www.

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com .
Set on Hancock Street in the rediscovered 5-Points District, just west of Old
Town, Stella is at the heart of an urban revival.
Visit http://www .

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"
Through its Financial Education Grant program, now in its fourth year,
HSBC funds financial literacy initiatives provided by local organizations to
meet the financial and credit education needs of their constituents. "In addition to
the very attractive price point, it is the completely unique design that is
truly inspiring buyers.

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and Canadian
businesses, including the former Household businesses. Stella is designed not only to be a living space but a reflection of
your personal style .

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"
HSBC operates four HFC and Beneficial lending branches in Dallas and two
in Fort Worth .
"The importance of financial education can not be overstated," said
Loretta Abrams, HSBC - North America's vice president of community development
and consumer advocacy. Stella's ultramodern design
provides a blend of privacy and openness, connecting residents to the vibrant
San Diego life beyond their doors and windows.

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com . Financial products and services are
offered under the HSBC, HFC and Beneficial brands.
This prestigious project included planning for 1,200 apartments and
460,000 square feet of retail space. Visit
http://www.

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Stella is a new bread of living in a
changing San Diego.
Marchese + Partners: Life + Style.

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A New Star Shines Bright on San Diego 's 5-Points District

About Constellation Property Group
Constellation Property Group brings contemporary, Australian-edge
architecture driven by passion for creating design-conscious space at an
affordable price.

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"So much of our lives -- from the interest we pay on
our mortgages to our ability to get a job -- depends on our understanding of
personal finance and the way we manage our money.constellationproperty.

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Constellation is a unique property development organization
that combines the unique the skills of experienced property developers,
marketing specialists, financiers , + award winning architects, Marchese +
Partners to deliver extraordinary development solutions in Australia + the
United States of America.

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, HSBC - North
America announced today it has awarded an $80,000 grant to the FAIM Economic
Development Corporation to fund financial literacy classes and workshops for
3,000 participants within African-American churches in the Dallas-Fort Worth
area . We see this as being the next Little
Italy.

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FAIM Economic Development Corporation HSBC Announce Financial Education Grant Literacy Program

"Furthermore,
the company's support has greatly changed and transformed the mindsets of the
people in our community. Individual grants range from
$60,000 to $125,000.yourcreditcounts. For more information,
visit: http://www.hsbcusa. "That is why we wanted to introduce San
Diego to this new style of living that matches the vibrancy and style of the
area.
Stella is low maintenance, cost effective and energy efficient -- it is the
ideal balance of style and functionality. Everyone agrees that this will be the
next great neighborhood in San Diego.
Constellation Property Group brings contemporary, Australian-edge
architecture driven by a passion for creating design-conscious space at an
affordable price. Regarded as one of the top three residential architect firms on the
East Coast of Australia, Marchese + Partners have developed a significant
portfolio of successful residential developments.

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"The response to Stella has been overwhelming," said Anthony Napoli,
Project Marketing Manager for Constellation Property Group.

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of your lifestyle.

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We applaud the FAIM
Economic Development Corporation for the great work they're doing to help
individuals and families throughout the area. With the addition of Stella, the revitalization of San
Diego's 5-Points District has started.
Marchese + Partners have changed the style of urban development and are
redefining how people think about living.
At its core is the Managing Director of Constellation Property Group,
Eugene Marchese, who as the principal of Marchese + Partners, is recognized as
one of Australia's leading architects to the property development industry.