A.M. BEST RATING SERVICES, INC.

A

insurance services;IN THE STATEMENT, COLUMN 2, LINE 1, CERTIER'S SHOULD BE DELETED, AND CERFIFIER'S SHOULD BE INSERTED.;The mark, as used by persons authorized by certifier, certifies to the CERTIFIER'S OPINION IN ACCORDANCE WITH THE CERTIFIER'S PUBLISHED STANDARD, THAT THE SUBJECT INSURANCE SERVICES ARE EXCELLENT IN THE AREAS OF INSURANCE COMPANY FINANCIAL STRENGTH AND PERFORMANCE.;

A+

insurance services;The mark as used by persons authorized by the certifier, certifies to the certifier's opinion in accordance with the certifier's published standard, that the subject insurance services are Superior in the areas of insurance company financial strength and performance.;

A++

insurance services;The certification mark, as used by persons authorized entities, certifies that such entities meet standards and tests of financial strength, operating performance and ability to meet its obligations to policy holders established by the certifier;

A-

insurance services;The certification mark, as used by authorized entities, certifies that such entities meet standards and tests of financial strength, operating performance and ability to meet its' obligations to policyholders established by certifier.;

B+

insurance services;

B++

insurance services;The certification mark, as used by authorized entities, certifies that such entities meet standards and tests of financial strength, operating performance and ability to meet its' obligations to policyholders established by certifier.;