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S&P Global <br />Ratings <br />RatingsDirect @ <br />Summary: <br />Gem Lake, Minnesota; Non -School <br />State Programs <br />Primary Credit Analyst: <br />Nancy M Denapoli, Chicago (1) 312-233-7013; nancy.denapoli@spglobal.com <br />Secondary Contact: <br />Cora Bruemmer, Chicago + 1 (312) 233 7099; cora.bruemmer@spglobal.com <br />Table Of Contents <br />Rationale <br />Outlook <br />WWW.STANDARDANDPOORS.COM/RATINGSDIRECT JUNE 14, 2018 1 <br />