CREDITS

FINANCIAL SERVICES IN THE NATURE OF AN INVESTMENT SECURITY, NAMELY, A DEBT INSTRUMENT OF AN ISSUER INDEXED TO, CONVERTIBLE INTO, OR EXCHANGEABLE INTO STOCK, THE OBLIGATIONS OF WHICH ARE GUARANTEED OR SUPPORTED BY A FINANCIAL INSTRUMENT ALLOWING THE ISSUER TO OBTAIN A CREDIT RATING, WHETHER ACTUAL OR IMPLIED, THAT IS SUPERIOR TO ITS OWN RATING, WHETHER ACTUAL OR IMPLIED