Merrill Lynch

Munich Re America Corporation offers a range of property and casualty insurance solutions. It is one of the leading reinsurers in the United States. The corporation operates a national/broker clients division and provides automobile, agricultural, ocean marine, surety, general liability and political risk insurance services. Munich Re America Corporation also offers insurance coverage for workers' compensation and professional liability. Its subsidiaries include American Alternative Insurance Corporation and the Princeton Excess and Surplus Lines Insurance Company. In addition, Munich Re America Corporation maintains regional clients and specialty markets divisions. The corporation is a member of Munich Re Group, which operates more than 50 locations throughout the world. Founded in 1880, the group maintains a staff of over 43,000 employees.

The Goldman Sachs Group is a leading global investment banking, securities and investment management firm that provides a wide range of services worldwide to a substantial and diversified client base that includes corporations, financial institutions, governments and high net-worth individuals. Founded in 1869, it is one of the oldest and largest investment banking firms. The firm offers an array of services, such as currencies and commodities, trading and capital markets, merchant banking, asset management, mutual funds and securities lending programs. The Goldman Sachs Group is headquartered in New York and maintains offices in London, Frankfurt, Tokyo, Hong Kong and other major financial centers throughout the world.

Moody's Wall Street Analytics is a subsidiary of Moody's Corporation, which comprises two subsidiaries, Moody's Investors Service and Moody's KMV. The corporation, which reported revenues of more than $1.4 billion, employs approximately 2,500 people worldwide and maintains offices in 20 countries. Moody's Investors Service is among the world's most respected, widely utilized sources for credit ratings, research and risk analysis. In addition to its core ratings business, Moody's publishes market-leading credit opinions, deal research and commentary that reach more than 2,600 institutions and 16,500 subscribers around the globe. Moody's KMV is a leading provider of credit risk processing and credit risk management products for banks and investors in credit-sensitive assets. The firm serves more than 1,600 clients in 80 countries, including most of the world's largest financial institutions. Moody's publishes investor-oriented credit research, including in-depth research on major debt issuers, industry studies, special comments and credit opinion handbooks. The firm s customers include a wide range of corporate and governmental issuers of securities as well as institutional investors, depositors, creditors, investment banks, commercial banks and other financial intermediaries. Moody's Wall Street Analytics maintains a location in New York.