Institute for International Research

Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets. Fitch Ratings is dual-headquartered in New York and London, operating offices and joint ventures in more than 49 locations and covering entities in more than 80 countries. Fitch Ratings is a wholly owned subsidiary of Fimalac, S.A., an international business support services group headquartered in Paris, France.

For over forty years, J.M. Lummis & Company has been providing a variety of money market instruments among institutional customers. They specialize in bank products (time deposits, CDs, bank notes, etc.) and corporate debt (commercial paper, corporate notes, etc.). Maturities range from overnight to one year and beyond. Despite our many products and services, Lummis is most distinguished by a sincere commitment to quality customer service.

Moody's Investors Service is among the world's most respected, widely utilized sources for credit ratings, research and risk analysis. Moody’s commitment and expertise contributes to transparent and integrated financial markets, protecting the integrity of credit. Moody's ratings and analysis track debt covering more than 100 sovereign nations, 11,000 corporate issuers, 26,000 public finance issuers, and 110,000 structured finance obligations.

Moody's Investors Service is a subsidiary of Moody's Corporation (NYSE: MCO). Additional information is available at www.moodys.com.

iMoneyNet is the leading provider of money-market information and analysis—serving institutional, offshore, and retail clients worldwide. Our iMoneyNet Money Fund Average™ are the most widely-used performance benchmarks in the cash investment world, and our newest browser-based application, Money Fund Analyzer™, which provides access to our entire database of money fund statistics, is used by virtually all participants in the money fund industry.

DBRS is a recognized, international rating agency, providing timely and comprehensive rating opinions to the world's capital markets. Privately owned and independent, DBRS offers in-depth credit analysis of corporate, financial institutions, and government issues in North America, Europe, Asia, and Latin America. DBRS' extensive coverage of structured finance and securitization has solidified its standing as a leading provider of comprehensive, in-depth credit analysis.

DBRS is headquartered in Toronto, with offices in New York, Chicago, London, Frankfurt, and Paris, and covers entities worldwide.