SUSTAINABILITY SPECTRUM

Financial advice; Financial advisory and consultancy services, namely, credit analysis services, which includes qualitative assessment, quantitative measures, issuer sustainability integration, risk/return analysis, comparisons to existing investments, and the impact on overall portfolio risk, and evaluating the credit risk of issuing companies based on whether the company has an awareness of environmental, social and governance issues, shows evidence of a clear strategy to address sustainability issues, is taking meaningful strides towards improvements in sustainability practices, and can define success over a specified time period; Financial analysis and research services; Financial information and advisory services; Financial risk assessment services