Kenneth and Michelle Scott wrote a letter to Amy S. Ku, VP of HSBC Mortgage Corporation, to express their satisfaction with their recent mortgage refinance through HSBC. They gave their highest commendation to Philip G. Wong for his tremendous support through the process. Wong's diligence, responsiveness, and advice were outstanding. The Scotts would not hesitate to recommend both HSBC and Philip Wong to others seeking mortgages.

1. Kenneth & Michelle Scott
Amy S Ku
VP, Sr. Regional Retail Mortgage Lending Manager, Northern California
HSBC Mortgage Corporation (USA)
601 Montgomery Street, San Francisco, CA 94111
c.c. Philip G Wong
Sr. Retail Mortgage Consultant, Northern California
HSBC Mortgage Corporation (USA)
388 9th street suite 121, Oakland CA 94607
2257 Irving Street San Francisco CA 94122
2nd
November, 2007
Dear Ms. Ku
I’d like to take the opportunity to formally express our deepest satisfaction with HSBC Mortgage in the
execution of our Mortgage re-finance, which closed yesterday.
The greatest commendation & recognition deservedly belongs to Philip G. Wong for his tremendous
support through this process. He is quite simply stated a terrific asset for HSBC as a shining example for
any service related industry in how one should conduct business.
We greatly appreciate his involvement, which ultimately culminated in being able to bring the right
HSBC product to meet our needs. His diligence, responsiveness & advice throughout were simply
outstanding.
We would not hesitate to recommend HSBC, and particularly Philip, to any friends or associates who are
in the Mortgage market. Our satisfaction with HSBC in whole and the process and service we enjoyed
could not be more highly rated in our estimation.
Thank you also for your own personal involvement, which is also appreciated.
Sincerely
Kenneth Scott
And on behalf of
Michelle Scott