Best's Ratings reflect the A.M. Best Company's opinion based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile and, where appropriate, the specific nature and details of a rated debt security. Ratings may be changed, suspended or withdrawn at any time for any reason at the sole discretion of A.M. Best Company. These ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations, nor are they a recommendation to buy, sell or hold any security. A.M. Best Company is not engaged in the offer or sale of any security and does not provide investment advice of any kind. Further, any and all ratings, opinions and information contained herein are provided "as is," without warranty of any kind, express or implied. A.M. Best is compensated for its interactive rating services. These rating fees can vary from US$ 5,000 to US$ 500,000. In addition, A.M. Best may receive compensation from rated entities for non-rating related services or products offered.

A.M. Best is not an Investment Advisor, does not offer investment advice of any kind, nor does the company or its Ratings Analysts offer any form of structuring or financial advice. A.M. Best's credit opinions are not recommendations to buy, sell or hold securities, or to make any other investment decisions. A.M. Best receives compensation for interactive rating services provided to organizations that it rates. A.M. Best may also receive compensation from rated entities for non-rating related services or products offered by A.M. Best. A.M. Best does not offer consulting or advisory services. For more information regarding A.M. Best's rating process, including handling of confidential (non-public) information, independence, and avoidance of conflicts of interest, please read the A.M. Best Code of Conduct.

AMB Credit Reports - Insurance Professional are prepared solely for the confidential use of our subscribers. They are based on each insurance company's sworn annual financial statement as prescribed by the National Association of Insurance Commissioners and as filed with the Insurance Commissioners of the states in which the companies are licensed to do business. These statements are presented in accordance with statutory accounting requirements and are the official financial statements of the life/health and property/casualty insurance companies.

In addition, our reports may include supplemental information obtained by us, such as data supplied in response to our questionnaires; data contained in state examination reports; audit reports prepared by certified public accountants; loss reserve reports prepared by loss reserve specialists; annual reports to stockholders and policyholders; and reports filed with the Securities and Exchange Commission. Meetings between A.M. Best senior staff personnel and company management also provide additional and valuable in-depth information on the company's current performance and future objectives.

While the information obtained from these sources is believed to be reliable, its accuracy is not guaranteed. We do submit the data to a rigorous, computerized crosschecking routine to verify its arithmetic accuracy. However, we do not audit the company's financial records or statements and therefore cannot attest as to the accuracy of the information provided to us. Consequently, no representations or warranties are made or given as to the accuracy or completeness of the information presented herein, and no responsibility can be accepted for any error, omission or inaccuracy in our reports.

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