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Page � 2 <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. Far more <br />information please visit our website at www.standardand�oors.com. If you have any questions, <br />please contact us. Thank you for choosing Ratings Services. <br />Sincerely yours, <br />' , f � <br />� :� <br />� <br />Standard & Poor's Ratings Services <br />sp <br />enclosure <br />