Insurance Financial Strength/Claims Paying Ability Ratings

Rating Agency	Rating	Outlook	Last Updated
A.M. Best Company Rating	A+ (Superior)	Stable	January 30, 2008
Fitch Rating	AA- (Very strong)	Stable	July 25, 2007
Moody's Rating	Aa3 (Excellent)	Stable	October 23 , 2007
Standard & Poor's Rating	AA- (Very strong)	Stable	December 22, 2006

Senior Notes

• A.M. Best: bbb+
• Fitch: A+
• Moody's Rating: A2
• Standard & Poor's Rating: A-