These Supplemental Terms for Specific Materials contain terms applicable to certain materials. You may not have access to all of the Materials referenced herein.
1. A.M. Best Company, Inc.
Bests Company Reports are copyrighted by A.M. Best Company, Inc. and are provided for your internal use. Information or materials electronically retrieved and/or printed from Bests Company Reports may be duplicated for limited internal purposes. However, you may not publish, broadcast, sell or otherwise redistribute this material for commercial purposes.
Information included in Bests Company Reports is obtained from each companys sworn financial statement as filed with the Insurance Commissioner of the state in which the company is domiciled and licensed to conduct business. While the information in Bests Company Reports was obtained from sources believed to be reliable, its accuracy is not guaranteed.
Bests Ratings reflect A.M. Best Companys current and independent opinion of the financial strength and operating performance of an insurer relative to the standards established by A.M. Best Company. Bests Ratings are not a warranty of an insurers current or future ability to meet its obligations to policyholders, nor are they a recommendation of a specific policy form, contract rate or claim practice.
A.M. Best Company makes no warranties, expressed or implied, including those of merchantability or fitness for a particular purpose. In no event shall A.M. Best Company have any liability for lost profits or incidental or consequential damages.
Bests Ratings are under continuous review and subject to change and/or affirmation. For the latest Bests Ratings and Bests Company Reports (which include Bests Ratings), visit the A.M. Best website at www.ambest.com. See Guide to Bests Ratings for explanation of use and charges.
Bests Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly ort impliedly, an endorsement of (Licensees publication or service) or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Bests Ratings. Bests Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company
2. Moodys Analytics, Inc. and its Licensors ("Moodys")
Moodys ratings ("Ratings") are proprietary to Moodys and/or its licensors and are protected by copyright and other intellectual property laws. Rating are licensed to Distributor by Moodys. RATINGS MAY NOT BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTERD, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PARTY, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODYS PRIOR WRITTEN CONSENT.
Moodys® is a registered trademark.
Moodys Investors Services, Inc. ("MIS") hereby discloses that most issuers of debt securities (including corporate and municipal bonds, debentures, notes and commercial paper) and preferred stock rated by MIS have, prior to assignment of any rating, agreed to pay to MIS for the appraisal and rating services rendered by it fees ranging from $1,500 to $2,400,000. Moodys Corporation (MCO) and its wholly-owned credit rating agency subsidiary, MIS also maintain policies and procedures to address the independence of MISs ratings and rating processes. Information regarding certain affiliations that may exist between directors of MCO and rated entities, and between entities who hold ratings from MIS and have also publicly reported to the SEC an ownership interest in MCO of more than 5%, is posted annually on Moodys website at www.moodys.com under the heading "Shareholder Relations -- Corporate Governance -- Director and Shareholder Affiliation Policy."
You expressly agree, on behalf of itself and each other person or entity that it permits to use any Information ("User"), that (a) the credit ratings and other opinions contained in such Information are, and will be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, hold or sell any securities, (b) each rating or other opinion will be weighed solely as one factor in any investment decision made by or on behalf of yourself or any User, and (c) you will accordingly make its own study and evaluation of each security, and of each issuer and guarantor of, and each provider of credit support for, each security that it may consider purchasing, holding or selling.