Recent Moody's Corporate Average Yields

All Information furnished pursuant to this Agreement has been obtained by MOODY'S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical errors as well  as other factors, the Information is provided All Information furnished pursuant to this Agreement has been obtained by MOODY'S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical errors as well  as other factors, the Information is provided "as is" without representation or warranty of any kind, and THE  NAIC AND MOODY'S HEREBY EXPRESSLY  DISCLAIM  ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES OF ANY KIND. FOR EXAMPLE, MOODY'S DOES NOT WARRANT THE ACCURACY, TIMELINESS, COMPLETENESS, ADEQUACY, TRUTHFULNESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY INFORMATION PROVIDED BY MOODY'S TO USER PURSUANT HERETO, AND NEITHER THE NAIC NOR MOODY'S SHALL BE LIABLE TO USER OR TO ANY THIRD PARTY WITH RESPECT TO ANY ACTUAL OR ALLEGED INACCURACY, UNTIMELINESS, INCOMPLETENESS, INADEQUACY, UNTRUTH FULNESS, UNMERCHANTABLLITY OR UNFITNESS. User acknowledges that the credit ratings and other records constituting pan of the Information are, and must be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities, and that the Information must be weighed solely as one factor in any investment decision made by or on behalf of any person to whom USER provides the Information, and each such person 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. USER shall not make any statement with respect to the Information that is contradictory to or inconsistent with the foregoing disclaimers.