Historical Credit Ratings

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                                                                                                                                              RatingsXpress



                                  RATINGSXPRESS                                                         ™




                                                             CREDIT RATINGS
                                  A wealth of high quality credit ratings delivered via electronic data feed —
                                  through Standard & Poor’s and a wide range of third-party distributors.
                                  A Powerful Enterprise-Wide Solution
                                  Give your research, risk management and compliance teams the comprehensive data they need
                                  — efficiently and cost-effectively.

                                  • Pull credit ratings as required to enhance your internal databases and applications.
                                  • Minimize potential errors from manual intervention.
                                  • Free up analytic and technical resources for more value-added activities.

                                  Research — Quickly find issues that meet your investment criteria and compliance program limits so
                                  exceptions are immediately identified

                                  Risk Management — Easily track credit quality by issue and industry
Highlights
                                  Compliance — Confidently review information reported on internal and client holdings
• The entire ratings database
  — or just the segments          Data Operations — Efficiently get more data out to more people throughout your organization
  you require
• Issuer and issue level                                        RatingsXpress Credit Ratings just made your job easier
  coverage                                    Front Office                           Middle Office                           Back Office
• Optional historical ratings     Delivers extensive current and           Streamlines operational efficiency    Supports standards-based
• XML or fixed-width ASCII        historical ratings across instruments,   saving time and money through         technologies, including FTP and
  file formats                    entities and sectors to enhance          automated download to your internal   the XML messaging protocol to
                                  decision-making                          systems via a centralized source      meet your business needs
• Up to 15 globally recognized
                                  Provides ratings opinions from our       Supports compliance, business and     Minimizes maintenance demands
  market identifiers
                                  globally renowned credit analysts to     regulatory requirements for better    freeing up resources for other
• Add-on Credit Research          test current views and thinking          credit risk management                activities
  modules
• Direct delivery or via third-
  party
                                  www.standardandpoors.com/ratingsxpress
                             Extensive Coverage for Better Decision-Making                                        Getting Started
                             End-users gain instant access to ratings on over 43,000                              Standardized record layouts and sample test feeds
                             active Global Issuers, Public Finance and Structured                                 enable your IT group to quickly set up and customize
                             Finance entities, hundreds of thousands of securities                                RatingsXpress Credit Ratings to suit the way you
                             and history dating back to 1922.                                                     do business. Highly experienced customer service

                             Global Issuers — All published Standard & Poor’s-                                    representatives are available to field your data and
A Wide Choice of Ratings
                             rated Corporations, Financial Institutions, Insurance                                pricing-related questions.
Recovery Ratings
                             Companies, Utilities and Sovereigns                                                  Contact a sales representative today to put the power
Instant Ratings Snapshots
                             Structured Finance — Asset-Backed, Commercial                                        of RatingsXpress Credit Ratings behind your firm.
Historical and Future
                             Mortgage-Backed, and Residential Mortgage-Backed
Ratings Perspectives
                             Securities and Collateralized Debt Obligations                                       For further information about Standard & Poor’s
Asset Manager Practices
Classifications                                                                                                   services, please call:
                             U.S. Public Finance — General Obligations, Project
Bank Survivability
                             Financings and Revenue Bonds for approximately                                       Americas                   1 212.438.2774
Assessments
                             600,000 issues and 20,000 issuers                                                    Australia                61 1300.792.553
Corporate Governance
Scores                                                                                                            China                    86 10.6535.2909
Financial Enhancement        • File field names and tags let you quickly search for                               Europe                   44 20.7176.7431
Ratings
                                the data you need.                                                                Hong Kong              852 2533.3535
Risk to Government Ratings
                             • CreditWatch and Outlook assessments keep
                                                     ®
                                                                                                                  Japan                    81 3.4550.8711
Local and Foreign Currency
Ratings                         you up to date on possible credit downgrades.                                     Korea                    82 2.2022.2300

Presale Ratings              • Optional Credit Research modules offer expert                                      Singapore                65 6239.6316

Bank Fundamental Strength       commentaries and special studies to understand
Ratings                         the thinking behind the numbers.

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                             Analytic services provided by Standard & Poor’s Ratings Services (“Ratings Services”) are the result of separate activities designed to preserve the independence and
                             objectivity of ratings opinions. Credit ratings issued by Ratings Services are solely statements of opinion and not statements of fact or recommendations to purchase,
                             hold, or sell any securities or make any other investment decisions. Accordingly, any user of credit ratings issued by Ratings Services should not rely on any such
                             ratings or other opinion issued by Ratings Services in making any investment decision. Ratings are based on information received by Ratings Services. Other divisions
                             of Standard & Poor’s may have information that is not available to Ratings Services. Standard & Poor’s has established policies and procedures to maintain the
                             confidentiality of non-public information received during the ratings process.                                                                                           0706