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<br /> 13PßI( <br /> Insurer's year end financial statements prepared in accordance with statutory accounting practices are available from the Insurer. <br /> The address of the Insurer is 113 King Street, Armonk, New York 10504. <br /> Moody's Investors Service rates all bond issues insured by the Insurer "Aaa" and short term loans "MIG 1," both designated <br /> to be of the highest quality. <br /> Standard & Poor's Corporation rates all new issues insured by the Insurer "MA" Prime Grade. <br /> The Moody's Investors Service rating of the Insurer should be evaluated independently of the Standard & Poor's Corporation <br /> rating of the Insurer. No application has been made to any other rating agency in order to obtain additional ratings on the Bonds. <br /> The ratings reflect the respective rating agency's cun-ent assessment of the creditworthiness of the Insurer and its ability to pay <br /> claims on its policies of insurance. Any further explanation as to the significance of the above ratings may be of?tained only from <br /> the applicable rating agency. <br /> The above ratings are not recommendations to buy, sell or hold the Bonds, and such ratings may be subject to revision or <br /> withdrawal at any time by the rating agencies. Any downward revision or withdrawal of either or both ratings may have an <br /> adverse effect on the market price of the Bonds. <br /> DISCLOSURE OF GUARANTY FUND NONPARTICIPATION: In the event the Insurer is unable to fulfill its contractual <br /> obligation under this policy or contract or application or certificate or evidence of coverage, the policyholder or certificateholder <br /> is not protected by an insurance guaranty fund or other solvency protection an-angement. <br /> ~ <br /> , <br /> 13 <br />