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| Fitch Risk | www.fitchrisk.com Division of Fitch Group including advisory services and software solutions. |  |
 | Moody's - KMV | http://www.moodyskmv.com Moody’s KMV™ is the world’s leading provider of quantitative credit analysis tools to lenders, investors, and corporations. We help clients enhance the economic returns in their businesses. We create products and services based upon a sophisticated application of modern financial theory and statistical analysis. These tools transform vast amounts of financial data and knowledge into applied insight to manage credit. As our clients employ our products and services to more effectively manage credit risk, we drive the evolution of more liquid credit markets |  |
| S&P - Risk Solutions | www2.standardandpoors.com/servlet/Satellite?r=1&l=EN&b=11&f=s=&ig=&i=&pagename=sp/sp_product/ProductBodyTemplate&cid=1068672887772 Integrated tools and services to help financial institutions strengthen their internal rating systems. |  |
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