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Proprietary
Rights
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CUSIP Copyright 2009 , American Bankers Association
CUSIP Database provided by the Standard & Poor's
CUSIP Service Bureau, a division of The McGraw-Hill
Companies, Inc. All rights reserved.
CREDIT RATINGS ARE MOODY'S INVESTORS SERVICE, INC.'S (MIS) CURRENT
OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF
ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE
SECURITIES. MIS DEFINES CREDIT RISK AS THE RISK THAT
AN ENTITY MAY NOT MEET ITS CONTRACTUAL, FINANCIAL
OBLIGATIONS AS THEY COME DUE AND ANY ESTIMATED
FINANCIAL LOSS IN THE EVENT OF DEFAULT. CREDIT
RATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT
NOT LIMITED TO: LIQUIDITY RISK, MARKET VALUE RISK,
OR PRICE VOLATILITY. CREDIT RATINGS ARE NOT
STATEMENTS OF CURRENT OR HISTORICAL FACT. CREDIT
RATINGS DO NOT CONSTITUTE INVESTMENT OR FINANCIAL
ADVICE, AND CREDIT RATINGS ARE NOT RECOMMENDATIONS
TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES.
CREDIT RATINGS DO NOT COMMENT ON THE SUITABILITY OF
AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MIS
ISSUES ITS CREDIT RATINGS WITH THE EXPECTATION AND
UNDERSTANDING THAT EACH INVESTOR WILL MAKE ITS OWN
STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER
CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.
Copyright 2009, Moody's Investors Service, Inc.
and/or its licensors and affiliates (together,
"MOODY'S"). All rights reserved. ALL INFORMATION
CONTAINED HEREIN IS PROTECTED BY COPYRIGHT LAW AND
NONE OF SUCH INFORMATION MAY BE COPIED OR OTHERWISE
REPRODUCED, REPACKAGED, FURTHER TRANSMITTED,
TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD,
OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE,
IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY
MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODYS
PRIOR WRITTEN CONSENT. All information contained
herein is obtained by MOODY'S from sources believed
by it to be accurate and reliable. Because of the
possibility of human or mechanical error as well as
other factors, however, such information is provided
"as is" without warranty of any kind and MOODY'S, in
particular, makes no representation or warranty,
express or implied, as to the accuracy, timeliness,
completeness, merchantability or fitness for any
particular purpose of any such information. Under no
circumstances shall MOODY'S have any liability to
any person or entity for (a) any loss or damage in
whole or in part caused by, resulting from, or
relating to, any error (negligent or otherwise) or
other circumstance or contingency within or outside
the control of MOODY'S or any of its directors,
officers, employees or agents in connection with the
procurement, collection, compilation, analysis,
interpretation, communication, publication or
delivery of any such information, or (b) any direct,
indirect, special, consequential, compensatory or
incidental damages whatsoever (including without
limitation, lost profits), even if MOODY'S is
advised in advance of the possibility of such
damages, resulting from the use of or inability to
use, any such information. The credit ratings and
financial reporting analysis observations, if any,
constituting part of the information contained
herein are, and must be construed solely as,
statements of opinion and not statements of fact or
recommendations to purchase, sell or hold any
securities. NO WARRANTY, EXPRESS OR IMPLIED, AS TO
THE ACCURACY, TIMELINESS, COMPLETENESS,
MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR
PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR
INFORMATION IS GIVEN OR MADE BY MOODY'S IN ANY FORM
OR MANNER WHATSOEVER. Each rating or other opinion
must be weighed solely as one factor in any
investment decision made by or on behalf of any user
of the information contained herein, and each such
user must accordingly make its own study and
evaluation of each security and of each issuer and
guarantor of, and each provider of credit support
for, each security that it may consider purchasing,
holding or selling.
MOODY'S hereby discloses that most issuers of debt securities (including
corporate and municipal bonds, debentures, notes and
commercial paper) and preferred stock rated by
MOODY'S have, prior to assignment of any rating,
agreed to pay to MOODY'S for appraisal and rating
services rendered by it fees ranging from $1,500 to
approximately $2,400,000. Moody's Corporation (MCO)
and its wholly-owned credit rating agency
subsidiary, Moody's Investors Service (MIS), also
maintain policies and procedures to address the
independence of MISs ratings and rating processes.
Information regarding certain affiliations that may
exist between directors of MCO and rated entities,
and between entities who hold ratings from MIS and
have also publicly reported to the SEC an ownership
interest in MCO of more than 5%, is posted annually
on Moody's website at
www.moodys.com
under the
heading "Shareholder Relations Corporate
Governance Director and Shareholder Affiliation
Policy."
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