Prudential

Swiss Re Life & Health America, established in 1863 and a division of Swiss Reinsurance, is one of the leading providers of reinsurance services, and risk and capital management solutions to life insurance companies throughout the United States. Its areas of operations include property, casualty, life and health reinsurance. The services offered by the company include product design and pricing, underwriting and claims management for reinsurances. The capital management services offered by the company include capital and credit solutions, asset management and advisory, and equity investment products. The company also provides study of morbidity trends and mortality rates, and specializes in risk mitigation services. Swiss Re Life & Health America is located in Armonk, N.Y.

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.