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HSBC Bank Bermuda Limited Patriot Act Certificate

3 May 2010

To Whom it may concern

HSBC Bank Bermuda Limited is a wholly owned subsidiary of the HSBC Group.

As a result of the enactment of the USA PATRIOT Act (Public Law No. 107-56 - October 26, 2001), the U.S. Department of the Treasury has issued regulations requiring U.S. financial institutions to obtain certain information relating to foreign banks that maintain relationships at U.S. financial institutions using a certification form. This certification is needed to comply with provisions of the USA Patriot Act.

HSBC Bank Bermuda Limited's current USA PATRIOT Act certificate can be found on the HSBC Group website. Please send any queries to David Cart, Money Laundering Reporting Officer, at david.cart@hsbc.bm or Calo Bucaro, Head of Compliance, at calo.m.bucaro@hsbc.bm.

Sincerely,

Calo Bucaro, Head of Compliance