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Page 12 <br /> rating is subject to the attached Terms and Conditions. The applicable Terms and Conditions are <br /> incorporated herein by reference. <br /> Ratings Services is pleased to have the opportunity to provide its rating opinion. For more <br /> information please visit our website at www.standardandpoors.com If you have any questions, <br /> please contact us. Thank you for choosing Ratings Services. <br /> Sincerely yours, <br /> I�Q� �V9 <br /> Standard & Poor's Ratings Services <br /> a Standard & Poor's Financial Services LLC business. <br /> gc <br /> enclosures <br /> cc: Mr. David Wheeler <br /> Mr. George Eilertson <br /> Mr. Jeff Lotz <br /> 12 <br />