CREDIT RESEARCH

WEEKLY RATINGS LIST

Banks Securities Firms Country Ceilings

November 17, 2008

Published weekly by Moody’s Investors Service

New York • Tokyo • London • Paris • Sydney • San Francisco • Frankfurt • Madrid • Dallas • Toronto Hong Kong • Singapore • Limassol • São Paulo • Milan • Mexico City • Beijing • Buenos Aires • Taipei Chicago • Johannesburg • Jersey City • Boston • Seoul • Moscow • Mumbai • Prague • Jakarta • Dubai Moody’s Investors Service • 1 • Moody’s Investors Service • 2 • Table of Contents

Global Bank Ratings...... 5

Global Bank Ratings by Country...... 36

Government Bonds & Country Ceilings ...... 71

Global by Rating ...... 74

Global Banks by Financial Strength Ratings ...... 75

Bank Preferred Stock Ratings...... 108

Securities Industry Ratings ...... 115

Moody’s Investors Service • 3 • Moody’s Investors Service • 4 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008

[1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term AB BANKAS SNORAS RUR Ba3 D- NR — — NP AB UKIO BANKAS RUR Ba3 D- — — — NP ABANKA VIPA D.D. STA A3 D+ — — — P-2 ABH FINANCIAL (ALFA) — — — — — — — Alfa MTN Markets Limited STA — — Ba1 — — NP Alfa-Bank STA Ba1 D+ — Ba2 — NP Alfa Bank Ukraine STA B2 E+ Ba3 — — NP Alfa-Bank Kazakhstan STA Ba3 E+ — — — NP ABN AMRO HOLDING N.V. STA — — (P)Aa3 (P)A1 — — ABN AMRO Bank N.V. STA(m) Aa2 B- Aa2 Aa3 Aa2 P-1 ABN AMRO Bank N.V. (Argentina) STA Caa1 — — — — NP ABN AMRO Bank N.V. London Branch DEV — — Aa2 — — — ABN AMRO Bank N.V., Australian B STA — — Aa2 — — P-1 ABN AMRO Bank N.V., Chicago STA Aa2 — — Aa3 — — ABN AMRO Bank N.V., Paris STA Aa2 — — — — P-1 ABN AMRO Bank N.V.,Montevideo Br STA(m) B2 — — — — NP ABN AMRO North America Fin Inc. STA — — — — — P-1 ABN-AMRO Bank N.V., New York STA Aa2 — — Aa3 — — ABU DHABI STA Aa3 C- Aa3 A1 — P-1 ABU DHABI ISLAMIC BANK STA — D — — A2 P-1 ADIB Sukuk Company Ltd. STA — — A2 A3 — — ACBA - CREDIT AGRICOLE STA Ba3 D- — — — NP ACLEDA NGO — — — ———— ACLEDA Bank Plc STA B3 D — — B1 NP ACTIVE-BANK STA B3 E+ — — — NP AFRICAN BANK INVESTMENTS LIMITED — — — — — — — African Bank Limited STA Baa2 D+ — — — P-2 AGENCY FOR HOUSING MORTGAGE LENDING OPEN JOINT-STO STA — — — — A3 P-1 AGRICULTURAL STA(m) A1 E — — — P-1 AGRICULTURAL BANK OF GREECE S.A. STA Baa1 D — — — P-2 AGRICULTURAL DEVELOPMENT BANK OF CHINA STA — — — — A1 P-1 AGROIMPULS JSCB STA B3 E+ — — — NP AHLI BANK S.A.O.G. STA Baa1 D — — — P-2 AK BARS BANK STA Ba2 D- Ba2 — — NP AKBANK TAS STA B1 C- — — — NP AKIBANK STA B3 E+ — — — NP AKTIA BANK P.L.C. STA A1 C — — — P-1 AL AHLI BANK OF KUWAIT STA A1 C- — — — P-1 AL RAJHI BANK STA A1 C — — — P-1 ALJBA ALLIANCE COMMERCIAL BANK STA B3 E+ — — — NP ALLIANCE & LEICESTER PLC STA Aa3 C+ Aa3 A1 Aa3 P-1 Alliance & Leicester Gp Trsy STA — — Aa3 — — P-1 ALLIANZ SE STA — — Aa3 A2 — P-1 AG STA(m) Aa3 C Aa3 A1 Aa3 P-1 Dresdner Bank AG, NY Branch STA(m) — — — A1 — — Dresdner Bank Luxembourg S.A. STA(m) A1 C A1 — A1 P-1 Dresdner Finance B.V. STA(m) — — Aa3 — — P-1 Dresdner U.S. Finance Inc. STA — — — — — P-1 ALLIED BANKING CORPORATION RUR B1 E+ — Ba3 — NP , P.L.C. STA Aa2 B- Aa2 Aa3 — P-1 AIB North America, Inc. STA Aa2 — Aa2 — — P-1 Allied Irish Banks, NY STA — — — — — P-1 Bank Zachodni WBK S.A. STA(m) A2 C- — — — P-1 ALOKABANK JOINT-STOCK COMMERCIAL BANK STA B3 E+ — — — NP AE STA A1 C A1 A2 — P-1 Alpha Credit Group plc STA — — A1 A2 — P-1 AMAGERBANKEN A/S NEG A3 C- — — — P-2 AMARILLO NATIONAL BANCORP, INCORPORATED — — — — — — — Amarillo National Bank STA A3 C — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 5 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term AMBANK GROUP — — — ———— AmBank (M) Berhad STA Baa2 D- — — — P-3 AMEN BANK STA Baa2 D- — — — P-2 COMPANY NEG — — A2 Baa1 A2 P-1 AMP LTD. — — — — — — — AMP Bank Limited STA A2 D+ A2 A3 A2 P-1 ANADOLUBANK AS POS(m) B1 D — — — NP ANELIK BANK CJSCO. NEG Ba3 D- — — — NP ANGLO IRISH BANK CORPORATION PLC RUR A1 C+ A1 A2 A1 P-1 AOZORA BANK, LTD. NEG A3 D+ A3 — — P-2 ARAB BANK PLC STA Ba3 C+ — — — NP Arab Bank Australia Limited STA A3 D+ A3 Baa1 A3 NR Arab Bank Plc (Dubai Branch) STA A3 — — — — P-2 ARAB BANKING CORPORATION B.S.C. STA(m) A3 C- — — — P-2 Banco ABC Brasil S.A. NEG(m) Ba2 D+ — — — NP ARAB NATIONAL BANK STA A1 C A1 A2 — P-1 ARAB TUNISIAN BANK STA Baa2 D — — — P-2 ARDSHININVESTBANK CJSC STA Ba3 D- — — — NP ARMECONOMBANK (ARMENIAN ECONOMY DEVELOPMENT BANK) NEG Ba3 D- — — — NP ASIA COMMERCIAL BANK STA(m) B1 D — — Ba2 NP ASIAUNIVERSALBANK JSC STA Caa2 E — — — NP ASSICURAZIONI GENERALI S.P.A STA — — A1 A2 — — BSI AG STA A1 C+ — — — P-1 ASSOCIATED BANC-CORP NEG — — (P)A2 A3 — P-1 Associated Bank, N.A. NEG A1 B- A1 A2 — P-1 ASTORIA FINANCIAL CORPORATION NEG — — A2 — A2 — Astoria Federal Savings & Loan STA A1 B- — — A1 P-1 ASYA KATILIM BANKASI A.S. STA B1 D — — — NP ATTIJARIWAFA BANK STA Ba2 D+ — — — NP AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED STA Aa1 B Aa1 Aa2 Aa1 P-1 ANZ Banking Group Ltd, NY Br. STA — — — — — — ANZ Capital Trust II STA — — — — — — ANZ National Bank Ltd STA Aa2 C+ Aa2 Aa3 Aa2 P-1 ANZ Banking Group (NZ) Ltd. STA — — Aa2 — — — National Bank of New Zealand STA — — Aa2 Aa3 — — AVTOVAZBANK STA Caa1 E — — — NP AXIS BANK LTD STA Ba2 C- — — — NP Axis Bank Ltd, Singapore Branch STA — — Baa2 Baa2 — — B.F. SAUL REAL ESTATE INVESTMENT TRUST NEG — — — — Ba3 — Chevy Chase Bank FSB NEG Baa2 C- — Baa3 Baa2 P-2 Chevy Chase Preferred Cap. Corp. NEG — — — — — — BALTI INVESTEERINGUTE GRUPI PANK AS NEG(m) B1 E+ — — — NP BALTIC INTERNATIONAL BANK STA B1 E+ — — — NP BALTINVESTBANK STA B3 E+ — — — NP BALTIYSKIY BANK STA B2 E+ — — — NP BANC INTERNACIONAL D'ANDORRA, S.A. STA A2 C+ — — — P-1 S.P.A. STA A2 C- — — A2 P-1 BANCA COMERCIALA CARPATICA S.A. STA Ba3 D- — — — NP BANCA DELLA MARCA CREDITO COOPERATIVO STA A3 C- — — — P-1 BANCA DELLE MARCHE S.P.A. STA A2 C- A2 A3 — P-1 BANCA ITALEASE S.P.A. STA Ba1 D- Ba1 Ba2 — NP BANCA MARCH S.A. STA A2 C — — — P-1 BANCA MONASTIER E DEL SILE STA A3 C- — — — P-1 BANCA MONTE DEI PASCHI DI SIENA S.P.A. STA Aa3 C Aa3 A1 — P-1 Banca Antonveneta RUR A1 C- A1 A2 — P-1 Banca Monte dei Paschi, London STA — — Aa3 A1 — P-1 Banca Toscana S.p.A. RUR A1 C NR — A1 P-1 MPS Capital Services STA A1 D+ — — — P-1 BANCA POPOLARE DELL'ALTO ADIGE-SUEDTIROLER VOLKSBA STA A1 C A1 A2 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 6 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BANCA POPOLARE DI CIVIDALE SCPA STA A3 C- A3 Baa1 — P-2 BANCA POPOLARE DI MAROSTICA SCPAARL STA A2 C — — — P-1 BANCA POPOLARE DI MILANO S.C.A R.L STA A1 C A1 A2 A1 P-1 BANCA POPOLARE DI SPOLETO STA A3 C- — — — P-1 BANCA SELLA HOLDING STA A2 C- A2 A3 — P-1 BANCA TERCAS STA A3 C- — — — P-1 BANCAPULIA S.P.A. NEG(m) Baa2 D+ — — — P-2 BANCO AUTOFIN MEXICO, S.A. STA B1 E+ — — — NP BANCO BANDES URUGUAY S.A. RUR B2 E+ — — — NP BANCO BBM S.A. STA Ba2 D+ — — — NP BANCO BILBAO VIZCAYA ARGENTARIA, S.A. STA Aa1 B Aa1 Aa2 Aa1 P-1 Banco Bilbao Viz Arg, SA Ldn Br STA Aa1 — — — — P-1 Banco Credito Local Espana STA Aa1 B Aa1 — — P-1 BBVA Global Finance Ltd. STA — — Aa1 Aa2 — P-1 Compass Bancshares, Inc. NEG — — A1 (P)A2 A1 — Compass Bank NEG Aa3 B- Aa3 A1 Aa3 P-1 Compass Loan Holdings Inc. NEG — — — — — — BANCO BISA S.A. STA Caa1 D- — — — NP Bisa Leasing S.A. STA — — — — B3 — BANCO BMG S.A. NEG(m) Ba2 D+ Ba1 — — NP BANCO BONSUCESSO S.A. RUR Ba2 D — — — NP BANCO BPI S.A. STA A1 C A1 A2 A1 P-1 Banco BPI S.A. (Cayman) STA — — A1 A2 — P-1 Banco BPI S.A. (Madeira) STA — — A1 A2 — P-1 Banco BPI S.A. (Santa Maria) STA — — A1 A2 — P-1 Banco BPI, S.A. (Macau Offshore) STA — — A1 A2 — P-1 BANCO BRADESCO S.A. STA Ba2 B- Baa3 — — NP Banco Bradesco S.A., (New York) — — — Baa3 — — — Banco Bradesco SA, Grand Cayman STA — — Baa3 Baa3 — — BANCO BVA S.A. STA B2 E+ — — — NP BANCO COLUMBIA S.A. STA Caa1 E+ — — — NP BANCO COMAFI S.A. STA Caa1 D- Ba2 — — NP BANCO COMERCIAL PORTUGUES, S.A. STA Aa3 C+ Aa3 A1 — P-1 Banco Comerc.Portugues, Madeira STA — — Aa3 A1 — P-1 Bank Millennium S.A. STA A3 D — — — P-2 BCP Finance Bank, Ltd. STA — — Aa3 A1 — P-1 BANCO COOPERATIVO ESPANOL, S.A. STA A1 C+ — — — P-1 BANCO CREDICOOP COOPERATIVO LIMITADO STA Caa1 D — — — NP BANCO CRUZEIRO DO SUL S.A. RUR Ba2 D+ Ba1 Ba2 — NP BANCO DE CHILE STA A2 B- — — — P-1 BANCO DE COSTA RICA — — — — — — — Banco Internacional Costa Rica STA Ba1 D — — — NP BANCO DE CREDITO E INVERSIONES STA A2 C+ — — — P-1 BANCO DE LA CIUDAD DE BUENOS AIRES STA Caa1 D — — — NP BANCO DE LA NACION ARGENTINA STA(m) — — — — — — Banco de la Nacion Argentina STA Caa1 — — — — NP Banco de la Nacion Argt (Urg) STA Caa1 — — — — NP BANCO DE LA REPUBLICA ORIENTAL DEL URUGUAY STA(m) B1 D- — — — NP BANCO DE ORO UNIBANK, INC. STA(m) B1 D — — — NP BANCO DE SANTIAGO DEL ESTERO S.A. STA Caa1 D- — — — NP Nuevo Banco de La Rioja S.A. STA Caa1 D- — — — NP BANCO DE VALENCIA S.A. NEG A3 C- A3 Baa1 — P-2 BANCO DE VALORES S.A. STA Caa1 D+ — — — NP BANCO DEL BAJIO, S.A. STA Baa3 D+ — — — P-3 BANCO DEL ESTADO DE CHILE STA A2 C+ — — — P-1 Banco Estado, New York Branch STA A2 — — — — P-1 BANCO DO BRASIL S.A. STA Ba2 C Baa3 — — NP Banco Do Brasil S.A. (Cayman) STA — — Baa3 Baa3 — P-3 BANCO ECONOMICO S.A. (BOLIVIA) STA Caa1 E+ — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 7 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BANCO FIBRA S.A. POS(m) Ba2 D — — — NP BANCO FINANSUR S.A. STA Caa1 E+ — — — NP BANCO GANADERO S.A. STA Caa1 E+ — — — NP BANCO GUIPUZCOANO NEG Baa1 C- — — — P-2 BANCO HIPOTECARIO DEL URUGUAY STA(m) B1 E — — — NP BANCO HIPOTECARIO S.A. STA Caa1 D Ba1 — — NP BANCO IBI S.A. - BANCO MULTIPLO RUR Ba3 D- — — — NP BANCO INDUSTRIAL DO BRASIL S.A. STA Ba3 D- — — — NP BANCO INDUSTRIAL E COMERCIAL S.A. (BICBANCO) STA Ba2 D+ Ba1 Ba2 — NP Banco Industrial e Comercial STA — — Ba1 — — — BIC-Arrendamento Mercantil S.A. STA — — — Ba2 Ba1 — BANCO INDUSTRIAL S.A. STA(m) Ba3 D — Ba3 — NP BANCO INTERNACIONAL DEL PERU - INTERBANK STA Ba2 D+ — — — NP BANCO ITAU HOLDING FINANCEIRA S.A. — — — — — — — Banco Itau BBA S.A. STA Ba2 B- Baa3 — — NP Banco Itau BBA (Nassau Branch) STA — — Baa3 — — — Banco Itau S.A. STA Ba2 B- — — — NP Banco Itau Argentina S.A. STA Caa1 D — — — NP Banco Itau Europa, S.A. STA Baa1 C- Baa1 Baa2 — P-2 Banco Itau S.A. (Cayman Isls) STA Ba2 — Baa3 — — — ItauBank Leasing S.A. STA — — — A2 A1 — Itauseg Participacoes S.A. STA — — — Baa1 — — Banco Itau Uruguay S.A. STA(m) B2 D — — — NP BFB Leasing S.A., Arrend.Merc. STA — — — A2 A1 — BANCO LATINOAMERICANO DE EXPORTACIONES S.A. STA Baa2 C- Baa2 — Baa2 P-2 BANCO MACRO S.A. STA Caa1 D B2 B2 — NP Banco del Tucuman S.A. STA Caa1 D — — — NP Nuevo Banco Bisel S.A. STA Caa1 D — — — NP BANCO MERCANTIL DO BRASIL S.A. STA Ba2 D Ba2 Ba3 — NP BANCO MERCANTIL SANTA CRUZ S.A. STA Caa1 D — — — NP BANCO MODAL S.A. STA Ba3 D- — — — NP BANCO MULTISECTORIAL DE INVERSIONES STA — — — — Baa3 — BANCO MULTIVA, S.A. STA B2 E+ — — — NP BANCO NAC. DE DESENV. ECONOMICO E SOCIAL - BNDES STA Ba2 — Baa3 — A1 NP BNDES Participacoes SA-BNDESPAR STA — — A1 A2 A1 — BANCO NACIONAL DE BOLIVIA S.A. STA Caa1 D- — B2 — NP BANCO NACIONAL DE COMERCIO EXTERIOR, S.N.C. STA — — A1 — — P-1 BANCO NACIONAL DE OBRAS Y SERVICIOS PUBLICOS, S.N. STA — — — — A1 P-1 BANCO NOSSA CAIXA S.A. STA Ba2 D+ — — — NP BANCO PANAMERICANO S.A. STA Ba2 D Ba2 Ba3 — NP , S.A. NEG A2 C A2 A3 A2 P-1 Pastor International Capital NEG — — — A3 — — Pastor International Finance NEG — — A2 — — P-1 BANCO PATAGONIA S.A. STA Caa1 D — B2 — NP BANCO PAULISTA S.A. STA B1 E+ — — — NP BANCO PIANO S.A. STA Caa1 D- — — — NP BANCO PINE S.A. STA Ba2 D — — — NP SOCIETA COOPERATIVA POS(m) A2 C- A2 A3 A2 P-1 Banca Popolare Ital.Soc. Coop. POS(m) — — A2 A3 — — Efibanca S.p.A. STA Baa1 D+ Baa1 A3 — P-2 Banco Pop Societa Coop, Lndn Br STA — — — — — P-1 BANCO POPULAR ESPANOL, S.A. STA Aa1 B+ — — — P-1 BPE Capital International Ltd. STA — — — Aa2 — — BPE Finance International Ltd. STA — — Aa1 — — — BANCO PROSPER S.A. NEG(m) B1 E+ — — — NP BANCO RIBEIRAO PRETO S.A. (BRP) STA Ba2 D — — — NP , S.A. STA Aa3 B- Aa3 A1 — P-1 Banco Sabadell S.A., London Br STA Aa3 — — — — P-1 BANCO SAFRA S.A. STA Ba2 C- — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 8 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term S.A. (SPAIN) STA Aa1 B Aa1 Aa2 Aa1 P-1 Abbey National plc STA Aa3 C+ (P)Aa3 A1 Aa3 P-1 Abbey Nat'l Treasury Int'l Ltd. STA — — Aa3 — — P-1 Abbey Nat'l Treasury Services STA Aa3 — Aa3 A1 — P-1 Abbey Natl Treas Svc (Paris) STA — — Aa3 — — P-1 Abbey National First Capital BV STA — — (P)Aa3 A1 — — Abbey National Funding plc STA — — Aa3 — — P-1 Abbey National North America LLC STA — — — — — P-1 AN Structured Issues Limited STA — — Aa3 — — P-1 Banco de Vnzla, Grupo Santander STA(m) B3 D- — — — NP Banco Espanol de Credito S.A. STA Aa2 B- Aa2 Aa3 — P-1 Banesto Finance Ltd. STA — — — Aa3 — — Banesto Issuances Ltd. STA — — Aa2 — — — Banco Santander Rio S.A. STA Caa1 D+ Ba1 — — NP Banco Santander Totta S.A. STA Aa3 C+ Aa3 A1 — P-1 Banco Santander Totta SA, London STA — — Aa3 A1 — P-1 Banco santander, S.A. (Uruguay) STA(m) B2 D — — — NP Banco Santander-Chile STA A2 B- Aa3 Aa3 — P-1 BSCH Finance Limited STA— — ———— Interbanca S.p.A STA A3 D+ A3 Baa1 — P-2 Santander Central Hisp Fin (DE) STA — — — — — P-1 Santander Central Hispano Intnl STA — — Aa1 — — P-1 Santander Central Hispano Issncs STA — — — Aa2 — — Santander Consumer Finance S.A. STA A1 C+ A1 A2 — P-1 Santander Consumer Bank S.p.A. STA A1 C A1 A2 — P-1 BANCO SCHAHIN S.A. STA Ba3 D- Ba3 B1 — NP BANCO SOFISA S.A. STA Ba2 D+ Ba1 — — NP BANCO SOLIDARIO S.A. (BOLIVIA) STA Caa1 D — — — NP BANCO SUPERVIELLE S.A. STA Caa1 D- — — — NP BANCOLOMBIA S.A POS(m) Ba2 D — Baa3 — NP BANCOPPEL, S.A. STA Ba3 E+ — — — NP BANCORPSOUTH, INC. STA — — — — A3 — BancorpSouth Bank STA A2 C+ — — A2 P-1 BANGKOK BANK PUBLIC COMPANY LIMITED STA Baa1 D+ — — — P-2 Bangkok Bank Public Co. (HK) STA — — — Baa1 — — BANIF SGPS SA — — — — — — — Banif - Bnc. Inter. do Funchal STA Ba2 D- — — — NP Banif Banco de Inv (Brasil) SA STA Ba2 D- — — — NP BANIF-Banco Internac. do Funchal STA A2 C- A2 A3 — P-1 BANIF-Sucursal Financ. Exterior STA — — A2 A3 — P-1 BANK AL-JAZIRA STA A3 D+ — — — P-2 BANK AUDI STA B3 D- — — — NP BANK BPH SA RUR Baa2 D- — — — P-2 BANK CENTERCREDIT NEG Ba1 D- — Ba3 — NP BANK CENTRAL ASIA TBK (P.T.) STA B1 D+ — — Ba2 NP BANK DANAMON INDONESIA TBK (P.T.) STA(m) B1 D — — — NP Bank Danamon Indonesia (CI) STA(m) — — — Ba2 — — BANK DHOFAR SAOG STA A3 D+ — — — P-2 BANK EVROPEYSKIY STA B3 E+ — — — NP BANK FINANCE AND CREDIT, OJSC STA B2 E+ B1 — — NP BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM STA(m) B1 E+ — NR Ba2 NP BANK GOSPODARKI ZYWNOSCIOWEJ S.A. STA A2 D — — — P-1 BANK HAPOALIM B.M. RUR A1 C — — — P-1 Hapoalim International N.V. RUR — — Aa3 A1 — P-1 BANK INTERNASIONAL INDONESIA TBK (P.T.) STA B1 D — — Ba2 NP Bank Internasional Indo. (CI) STA — — — Ba2 — — BANK LEUMI STA A1 C — — — P-1 BANK MANDIRI (P.T.) STA B1 D- — — — NP Bank Mandiri Persero (PT),Cayman STA — — Ba2 Ba2 — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 9 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BANK NADRA STA B2 E+ B1 — — NP BANK NEGARA INDONESIA TBK (P.T.) STA B1 D- — — — NP CORPORATION RUR — — Aa2 Aa3 Aa2 P-1 ABN AMRO N. America Holding Co. RUR — — — — — — LaSalle Bank Corporation RUR — — — — — P-1 Banc of America Pfd. Fndg. Corp. STA — — — — — — Banc of America Securities LLC STA — — — — — P-1 Bank of America, N.A. RUR Aaa A- Aaa Aa1 Aaa P-1 Bank of America, N.A.(Sydney Br) STA — — — — — P-1 BankAmerica Corporation RUR — — Aa2 Aa3 — — BA Australia Ltd. STA — — Aaa — — P-1 Bank of America Mexico, S.A. STA Baa1 D+ — — A1 P-2 Security Pacific Corp. RUR — — Aa2 Aa3 — — Boatmen's Bancshares Inc. RUR — — — Aa3 — — Countrywide Financial Corp. RUR — — Aa2 Aa3 — P-1 Countrywide Bank FSB STA(m) Aaa B+ — — Aaa P-1 Countrywide Home Loans, Inc. RUR — — Aa2 Aa3 — P-1 MBNA Corporation RUR — — Aa2 Aa3 — — FIA Card Services, N.A. RUR Aaa A- Aaa Aa1 Aaa P-1 BANK OF ATTICA S.A. STA Ba1 D — — — NP STA Baa2 D — — — P-2 Bank of Ayudhya (HK) STA — — Baa2 — — — BANK OF BARODA STA Ba2 D+ — — — NP Bank of Baroda (London) STA — — Baa2 Baa2 — — BANK OF BEIRUT STA B3 D- — — — NP BANK OF CHINA LIMITED STA A1 D- A1 — — P-1 Bank of China (Hong Kong) Ltd STA Aa3 C+ — — — P-1 Chiyu Banking Corporation, Ltd. STA Aa3 C — — — P-1 Nanyang Commercial Bank, Ltd. STA Aa3 C+ — — — P-1 STA Baa1 D — — — P-2 PUBLIC COMPANY LIMITED STA A2 C- A2 A3 — P-1 BANK OF EAST ASIA, LIMITED NEG A2 C — A3 — P-1 BANK OF FUKUOKA, LTD. STA A3 D+ A3 — A3 P-2 BANK OF GEORGIA NEG(m) B3 D- Ba2 — — NP BANK OF HAWAII CORPORATION STA — — A1 — — — Bank of Hawaii STA Aa3 B — A1 Aa3 P-1 BANK OF INDIA STA Ba2 D+ Baa2 Baa2 — NP Bank of India (London) STA — — Baa2 Baa2 — — Bank of India, Jersey Branch STA — — Baa2 Baa2 — — NEG Aa2 B- Aa2 Aa3 Aa2 P-1 Bank of Ireland, Connecticut Br. NEG Aa2 — — — — — ICS Building Society NEG(m) Aa3 C — — — P-1 BANK OF KUWAIT AND THE MIDDLE EAST STA A1 C- — — — P-1 BANK OF MONTREAL STA Aa1 B Aa1 Aa2 — P-1 Bank of Montreal, Chicago Br. STA Aa1 — Aa1 — — — BANK OF N.T. BUTTERFIELD & SON LTD.(THE) STA Aa3 C — A1 Aa3 P-1 BANK OF NEW YORK MELLON CORPORATION (THE) STA — — Aa2 Aa3 Aa2 P-1 Bank of New York (Lux), Italian STA Aa2 — — — Aa2 P-1 Bank of New York (Lux.) S.A. STA Aa2 B+ — — Aa2 P-1 Bank of New York Mellon (The) STA Aaa B+ Aaa Aa1 Aaa P-1 BNY Mellon National Association STA Aaa B+ — Aa1 Aaa P-1 BNY Mellon Asset Servicing B.V. STA — — — — Aaa — BNY Mellon Trust of Delaware STA Aaa B+ Aaa — Aaa P-1 Mellon Funding Copporation STA — — Aa2 Aa3 — P-1 BANK OF NOVA SCOTIA STA Aa1 B Aa1 Aa1 Aa1 P-1 Bank of Nova Scotia, NY STA — — — Aa2 — — Bank of Nova Scotia, Portland STA Aa1 — — — — — Scotiabanc Inc. STA — — — — — P-1 Scotiabank Europe Plc STA — — Aa1 — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 10 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BANK OF QUEENSLAND LIMITED STA A2 C NR A3 A2 NR BANK OF TAIWAN STA Aa3 D+ — — — P-1 BANK OF THE PHILIPPINE ISLANDS STA(m) B1 C- — — — NP BANK OF VALLETTA P.L.C. STA Baa1 D+ Baa1 — — P-2 BANK OF YOKOHAMA, LTD. STA A1 C — A2 — P-1 Yokohama Finance Cayman Ltd. STA — — — A2 — — BANK RAKYAT INDONESIA (P.T.) STA B1 D+ — — — NP BANK SAINT-PETERSBURG OJSC STA Ba3 D- Ba3 B1 — NP BANK SEVERNAYA KAZNA RUR Caa2 E — — — NP BANK SOCIETE GENERALE VOSTOK (BSGV) STA Baa2 D- — — — P-2 BANK SOYUZ, JSCB RUR B2 E+ B2 — — NP BANK STANDARD STA B1 E+ — — — NP BANK TABUNGAN NEGARA (P.T.) STA B1 D- — — — NP BANK URALSIB STA Ba3 D- — — — NP BANK URALSKY FINANCIAL HOUSE STA B3 E+ — — — NP BANK VONTOBEL AG STA A1 C+ — — — P-1 BANK VTB, JSC STA(m) Baa1 D- A2 A2 — P-2 Bank VTB North-West STA(m) Baa1 D- — A3 — P-2 VTB Bank (Austria) AG STA Baa2 D — — — P-2 VTB Bank Europe plc STA Baa2 D — — — P-2 VTB Bank (France) SA STA Baa2 D — — — P-2 VTB Europe Finance B.V. STA — — Baa2 Baa3 — P-2 VTB24 STA(m) Baa1 D- A2 A2 — P-2 , S.A. STA Aa3 B- Aa3 A1 — P-1 BANKMUSCAT INTERNATIONAL B.S.C. STA Baa2 D+ — — — P-2 BANKMUSCAT S.A.O.G. STA A2 C- A1 — — P-1 BANKPOZITIF KREDI VE KALKINMA BANKASI A.S. STA B1 D — — — NP BANQUE CANTONALE VAUDOISE STA A1 C- — — — P-1 BANQUE DE TUNISIE STA Baa2 D+ — — — P-2 BANQUE DU CAIRE SAE STA(m) Ba2 D- — — — NP BANQUE ET CAISSE D'EPARGNE DE L'ETAT STA Aaa C+ Aaa Aa1 — P-1 BANQUE INTERNATIONALE ARABE DE TUNISIE STA Baa2 D — — — P-2 BANQUE MISR SAE STA(m) Ba2 D- — — — NP BANQUE SAUDI FRANSI STA(m) A1 C+ — — — P-1 BANREGIO GRUPO FINANCIERO, S.A. DE C.V. — — — — — — — AF Banregio, S.A. de C.V. STA — — — — Baa3 P-3 Banco Regional de Monterrey, SA STA Baa3 D+ — — — P-3 BANK MEXICO, S.A. RUR Baa1 D — — — P-2 BARCLAYS PLC RUR — — — — Aa2 P-1 Barclays Bank PLC RUR Aa1 B Aa1 Aa2 Aa1 P-1 ABSA Bank Limited STA(m) Baa1 C A2 A2 — P-2 Barclays Bank Ireland PLC RUR Aa3 D+ — — — P-1 Barclays Bank of Canada NOO — — — — — P-1 Barclays Bank plc Hong Kong RUR Aa1 — — — — P-1 Barclays Bank PLC, Australia Br. NOO — — — — — P-1 Barclays Bank PLC, New York RUR Aa1 — — — — — Barclays Bank PLC, Paris RUR Aa1 — — — — P-1 Barclays Capital (Cayman), Ltd. RUR — — Aa1 Aa2 — P-1 Barclays Overseas Capital Corp. RUR — — Aa1 Aa2 — P-1 Barclays Overseas Investment Co. RUR — — Aa1 Aa2 — P-1 Barclays US Funding LLC NOO — — — — — P-1 Woolwich plc RUR — — Aa1 Aa2 — — BAUSPARKASSE MAINZ AG STA A3 C- — — — P-2 BAWAG P.S.K. STA Baa1 D Baa1 Baa2 — P-2 BAYERISCHE LANDESBANK NEG(m) Aa2 C- Aa2 Aa3 Aa2 P-1 Bayerische Landesbank, Hong Kong STA Aa2 — — — — — Bayerische Landesbank, London STA — — Aaa — — — Bayerische Landesbank, New York STA Aa2 — Aa2 Aaa — P-1 Bayerische Landesbank, Paris STA Aaa — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 11 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BayernLB Capital Trust I NEG — — — — — — Hypo Alpe-Adria-Bank Int'l AG RUR A2 D- A2 A3 A2 P-1 Landesbank Saar STA Aa2 D+ Aa2 — — P-1 MKB Bank Rt. NEG(m) A3 C- Aa3 A1 — P-2 BAYERISCHE MOTOREN WERKE AKTIENGESELLSCHAFT NEG — — — — — — BMW Bank of North America NEG(m) A2 C — — A2 P-1 BB&T CORPORATION STA — — (P)Aa3 A1 Aa3 P-1 BB&T Financial, FSB STA Aa2 B+ — — — P-1 Branch Banking and Trust Co. STA Aa2 B+ P-1 Aa3 Aa2 P-1 BBK B.S.C. STA A2 C- A2 A3 — P-1 BBVA PRIVANZA INTERNATIONAL (GIBRALTAR) LTD. STA — — — — — — BELAGROPROMBANK JSC STA B2 E+ — — — NP BELARUSBANK JSSB STA B2 E+ — — — NP BELINVESTBANK STA B2 E+ — — — NP BELPROMSTROIBANK STA B2 E+ — — — NP BENDIGO AND ADELAIDE BANK LIMITED STA A2 C A2 NR A2 P-1 Adelaide Bank Limited STA A2 C- A2 NR A2 P-1 BERMUDA COMMERCIAL BANK LIMITED STA Baa3 D+ — — Baa3 P-3 BILBAO BIZKAIA STA A1 C+ — A2 A1 P-1 BLOM BANK S.A.L. STA B3 D- — — — NP BMCE BANK STA Ba2 D+ — Baa2 — NP BNP PARIBAS STA Aa1 B Aa1 Aa2 Aa1 P-1 Banca Nazionale Del Lavoro STA Aa2 C Aa2 Aa3 Aa2 P-1 Banca Naz. del Lavoro, Paris STA Aa2 — — — — P-1 Lavoro Bank Overseas N.V. STA — — Aa2 Aa3 — — BancWest Corporation STA — — — A3 — — Bank of the West STA(m) Aa3 B- — — Aa3 P-1 First Hawaiian Bank STA Aa3 B- — — Aa3 P-1 Banque Paribas NOO — — Aa1 Aa2 — — BNP Paribas (Argentina) STA Caa1 — — — — NP BNP Paribas Canada STA — — — — — P-1 BNP Paribas Capital Trust VI STA — — — — — — BNP Paribas Finance, Inc. STA — — — — — P-1 BNP Paribas, New York Branch STA Aa1 — — — — P-1 Exane S.A. STA — — — — A3 — LaSer Cofinoga STA Aa3 C+ Aa3 A1 — P-1 Cofinoga Funding One L.P. STA — — — — — — Cofinoga Funding Two L.P. STA — — — — — — Turk Ekonomi Bankasi AS POS(m) B1 D+ — — — NP UkrSibbank STA B2 D Ba3 — — NP BNP PARIBAS PERSONAL FINANCE EAD POS — — Ba3 — Ba3 NP BOK FINANCIAL CORPORATION STA — — A2 — — — Bank of Oklahoma, N.A. STA A1 B- — A2 A1 P-1 BOUBYAN BANK STA Baa2 D — — — P-2 BPN - SGPS, S.A. RUR — — — — Ba1 — BPN-Banco Port. de Neg, S.A. RUR Baa3 D+ — — — P-3 Banco Portugues de Negocios RUR — — Baa3 Ba1 — P-3 BRADFORD & BINGLEY PLC NEG Baa3 — Baa3 Ca — P-3 BRE BANK S.A. STA A2 D — — — P-1 BREMER LANDESBANK KREDITANSTALT OLDENBURG GZ STA Aa2 C Aa2 Aa3 Aa2 P-1 BRFKREDIT A/S STA — — — — A2 — BRITANNIA BUILDING SOCIETY NEG A2 C A2 A3 — P-1 BTA BANK STA(m) Ba1 D- Ba1 Ba2 — NP BTA BANK (RUSSIA) STA B1 E+ B1 — — NP BURGAN BANK RUR A1 C- — — — P-1 BYBLOS BANK S.A.L. STA B3 D- B2 B2 — NP CAIRO AMMAN BANK STA Ba3 D- — — — NP CAISSE CENTRALE DESJARDINS STA Aa1 C+ Aa1 Aa2 — P-1 Capital Desjardins Inc. STA — — Aa2 — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 12 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term CAISSE DE REFINANCEMENT DE L'HABITAT STA — — Aaa — — — CAISSE DES DEPOTS ET CONSIGNATIONS STA Aaa — Aaa — Aaa P-1 CAISSE FEDERATIVE DU CREDIT MUTUEL CENTRE EST EURO — — — — — — — Banque Fed. du Credit Mutuel STA Aa3 C Aa3 A1 — P-1 Banque de l'Economie-Comm. Mon. STA Aa3 — — — — P-1 Credit Industriel et Commercial STA(m) Aa3 C- Aa3 A1 — P-1 Credit Industriel et Comm., NY STA Aa3 — — — — — CAIXA CATALUNYA NEG A2 C A2 A3 A2 P-1 Caixa Catalunya Int'l Fin. Ltd. NEG — — A2 — — — CAIXA D'ESTALVIS DE MANRESA (CAIXA MANRESA) STA A2 C — A3 — P-1 CAIXA D'ESTALVIS DE TARRAGONA NEG Baa1 C- — — — P-2 CAIXA D'ESTALVIS DE TERRASSA STA A3 C- A3 Baa1 — P-2 CAIXA D'ESTALVIS DEL PENEDES STA(m) A2 C — — — P-1 CAIXA DE AFORROS DE VIGO, OURSENSE E PONTEVEDRA (C NEG A1 C+ — — — P-1 CAIXA ECONOMICA FEDERAL (CAIXA) STA Ba2 D+ — — — NP CAIXA ECONOMICA MONTEPIO GERAL STA A2 C- A2 A3 — P-1 Caixa Econom. Montepio Geral, CI STA — — A2 A3 — P-1 CAIXA GALICIA STA(m) A2 C A2 A3 A2 P-1 CAIXA GERAL DE DEPOSITOS, S.A. STA Aa1 C Aa1 Aa2 — P-1 Caixa Geral de Depositos (Paris) STA Aa1 — Aa1 Aa2 — P-1 Caixa Geral de Depositos Finance STA — — Aa1 Aa2 — P-1 Caixa Geral de Depositos Madeira STA — — Aa1 Aa2 — P-1 Caixa Geral de Depositos/NY STA Aa1 — — — — — CAJA DE AHORROS DE AVILA NEG Baa1 C- — — — P-2 CAJA DE AHORROS DE LA RIOJA STA A2 C- — — — P-1 CAJA DE AHORROS DE SANTANDER Y CANTABRIA STA A2 C- A2 A3 — P-1 CAJA DE AHORROS DE VALENCIA, CAS. Y ALI. (BANCAJA) STA A2 C A2 A3 A2 P-1 Bancaja International Finance STA — — A2 — — — CAJA DE AHORROS DE VITORIA Y ALAVA STA A1 C+ — — — P-1 CAJA DE AHORROS DEL MEDITERRANEO NEG A2 C A2 A3 A2 P-1 CAJA DE AHORROS MUNICIPAL DE BURGOS STA A2 C — — A2 P-1 CAJA DE AHORROS Y MONTE DE PIEDAD DE MADRID STA Aa3 C+ Aa3 A1 — P-1 Madrid Finance B.V. STA — — Aa3 A1 — — CAJA DE AHORROS Y MONTE DE PIEDAD DE SEGOVIA NEG Baa1 C- — — — P-2 CAJA DE AHORROS Y MONTE DE PIEDAD DE ZARAGOZA STA A1 C+ A1 A2 A1 P-1 CAJA DE AHORROS Y PENSIONES DE BARCELONA STA Aa1 B Aa1 Aa2 Aa1 P-1 CAJA DUERO STA A2 C — A3 A2 P-1 CAJA ESPANA DE INVERSIONES NEG A3 C- A3 Baa1 — P-2 CAJA INSULAR DE AHORROS DE CANARIAS STA A3 C- A3 Baa1 — P-2 POPULAR COOP. DE CREDITO STA A1 C+ — — — P-1 Caja Laboral Finance Ltd. STA — — A1 — — — CAJA RURAL DE GRANADA STA A3 C- — — — P-2 CAJA RURAL DE NAVARRA STA A2 C — — — P-1 CAJAMAR CAJA RURAL, SOCIEDAD COOPERATIVO DE CREDIT STA A2 C A2 — — P-1 CAMBODIAN PUBLIC BANK STA B3 D+ — — B1 NP CANADIAN IMPERIAL BANK OF COMMERCE NEG Aa2 B- Aa2 Aa3 — P-1 Canadian Imperial Holdings, Inc. NEG — — Aa2 Aa3 — P-1 Canadian Imprl Bnk of Comm NY NEG Aa2 — — — — — CIBC World Markets plc NEG Aa2 — Aa2 Aa3 — P-1 CANARA BANK STA Ba2 D+ Baa2 Baa2 — NP CAPITAL ONE FINANCIAL CORPORATION NEG — — A3 Baa1 — — Capital One Bank NEG A2 C+ A2 A3 A2 P-1 CASPIAN BANK STA Ba3 D- — — — NP CASSA DEPOSITI E PRESTITI S.P.A. STA — — Aa2 — Aa2 — CASSA DI RISPARMIO DELLA PROVINCIA DI CHIETI S.P.A STA Baa1 C- Baa1 — — P-2 CASSA DI RISPARMIO DI BOLZANO-SUDTIROLER SPARKASSE STA A2 C- A2 A3 — P-1 CASSA DI RISPARMIO DI FERRARA S.P.A. STA A3 C- A3 Baa1 A3 P-1 CATHAY FINANCIAL HOLDING CO., LTD RUR — — — — A3 — Cathay United Bank Co., Ltd RUR A1 C- — A2 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 13 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term CENTER-INVEST BANK STA B1 E+ — — — NP CENTRAL BANK OF INDIA STA Ba2 D- — — — NP CENTRAL CORPORATE CREDIT UNION STA — — — — — P-1 CENTROCREDIT BANK STA B3 E+ — — — NP CHANG HWA COMMERCIAL BANK STA A3 D — — — P-1 CHELSEA BUILDING SOCIETY NEG A2 C A2 A3 — P-1 CHESHIRE BUILDING SOCIETY RUR A3 C- A3 Baa1 — P-2 CHIBA BANK, LTD. STA A1 C — A2 A1 P-1 Chiba Capital Funding (Cayman) STA — — — A2 — — CHINA CONSTRUCTION BANK CORPORATION STA(m) A1 D- — — — P-1 China Cnst. Bk (Asia) Corp. Ltd. STA A2 C — — — P-1 CHINA DEVELOPMENT BANK STA — — A1 — — — CHINA DEVELOPMENT FINANCIAL HOLDING CORPORATION — — — — — — — China Dev. Industrial Bank STA Baa1 C- — — — P-2 CHINA EVERBRIGHT BANK STA Ba1 D- — — — NP CHINA MERCHANTS HOLDINGS COMPANY, LIMITED — — — — — — — China Merchants Bank STA Baa3 D+ — — — P-3 CHINATRUST FINANCIAL HOLDING COMPANY LIMITED STA — — — — A3 — Chinatrust Commercial Bank, Ltd. STA A2 C- — — — P-1 Chinatrust Commercial Bank, HK STA — — — Baa1 — — CHONG HING BANK LIMITED STA Baa2 C- — Baa3 — P-2 CHUGOKU BANK, LIMITED STA Aa3 C+ — — Aa3 P-1 CHUO MITSUI TRUST HOLDINGS, INC. — — — — — — — Chuo Mitsui Asset Trust & Bk Co STA A1 C+ — — — P-1 Chuo Mitsui Tr & Bnkng Co. Ltd. STA A1 C- — A2 — P-1 CIBC MELLON TRUST COMPANY STA — B- — — Aa2 — CITIC GROUP RUR — — Baa1 — — — China CITIC Bank STA Baa2 D — — — P-2 CITIC Ka Wah Bank Limited STA Baa2 D+ Baa2 Baa3 — P-2 CITIGROUP INC. RUR — — Aa3 A1 — P-1 Citicorp RUR — — Aa3 A1 — — , N.A. RUR Aa1 B Aa1 — Aa1 P-1 Citibank (South Dakota), N.A. RUR Aa1 B — — Aa1 P-1 Citibank, N.A. (Auckland Branch) RUR — — Aa1 — — P-1 Citibank, N.A. (London Branch) RUR — — Aa1 — — P-1 Citibank, N.A. (Sydney Branch) RUR — — Aa1 — — P-1 Source One Mortgage Services RUR — — Aa3 — — — Citigroup Funding, Inc. RUR — — Aa3 A1 Aa3 P-1 Citigroup Global Mkts Hldgs.Inc. RUR — — Aa3 A1 Aa3 P-1 Egg Banking Plc STA — — Aa3 A1 — — CITIZENS REPUBLIC BANCORP, INC. NEG — — — Baa1 A3 P-2 Citizens Bank, Michigan NEG A2 C+ — — A2 P-1 CITY NATIONAL CORPORATION STA — — A1 — A1 — City National Bank STA Aa3 B — A1 Aa3 P-1 CLIENTIS AG STA A3 C — — — P-1 CLOSE BROTHERS LTD. STA A2 C+ — — — P-1 CO-OPERATIVE BANK PLC STA A2 C A2 A3 — P-1 COLONIAL BANCGROUP, INC. (THE) NEG — — — Baa3 Baa2 — Colonial Bank NEG Baa1 C- — Baa2 Baa1 P-2 CBG Florida REIT Corp. NEG — — — — — — COMERICA INCORPORATED STA — — A2 A3 A2 P-1 Comerica Bank STA A1 B- A1 A2 A1 P-1 COMMERCE ASSET-HOLDING BERHAD — — — — — — — CIMB Bank Berhad STA A3 D+ — — — P-1 COMMERCE BANCSHARES, INC. STA — — — — — P-1 Commerce Bank, N.A. STA Aa2 B+ — — Aa2 P-1 COMMERCIAL BANK AGROPROMCREDIT (LLC) STA B2 E+ — — — NP COMMERCIAL BANK INVESTBANK AD STA B2 E+ — — — NP COMMERCIAL BANK OF DUBAI PCS STA A2 D+ — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 14 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term COMMERCIAL BANK OF KUWAIT STA Aa3 C — — — P-1 COMMERCIAL BANK OF QATAR STA A1 C- A1 A2 — P-1 COMMERCIAL INTERNATIONAL BANK (EGYPT) SAE STA(m) Ba2 C- — — — NP AG STA Aa3 C Aa3 A1 Aa3 P-1 Bre Bank Hipoteczny RUR Baa1 D- — — — P-2 CB Finance Company B.V. STA — — Aa3 A1 — P-1 Commerzbank AG, London Branch STA — — — — — P-1 Commerzbank AG, New York Branch STA Aa3 — — — — — Commerzbank AG, Paris Brch. STA Aa3 — — — — P-1 Commerzbank Europe (Ireland) STA A2 C+ — — A2 P-1 Commerzbank Europe Finance Irel STA — — — — — P-1 Commerzbank International S.A. STA A2 C+ A2 — — P-1 Commerzbank Overseas Fin. N.V. STA — — Aa3 A1 — P-1 Commerzbank U.S. Fin Inc. STA — — Aa3 — — P-1 Hypothekenbank in Essen AG NOO — — A1 A2 — — COMMONWEALTH BANK OF AUSTRALIA STA Aa1 B Aa1 Aa2 Aa1 P-1 ASB Bank Limited STA Aa2 B- Aa2 Aa3 Aa2 P-1 CBA (Delaware) Finance Inc. STA — — — — — P-1 Commonwealth Bk of Australia-NY STA Aa1 — Aa1 — — — Preferred Capital Limited STA — — — — — — CONFEDERACION ESPANOLA DE CAJAS DE AHORRO STA Aa2 B- — — — P-1 CORPORATE CENTRAL CREDIT UNION STA — — — — — P-1 CORPORATE COMMERCIAL BANK AD STA Ba3 D- — — — NP CORPORATE ONE FEDERAL CREDIT UNION STA — — — — — P-1 COVENTRY BUILDING SOCIETY STA A2 C+ A2 A3 — P-1 CREDICORP LTD. — — — — — — — Banco de Credito del Peru STA Ba2 D+ — Baa3 — NP CREDIT BANK OF MOSCOW STA B1 E+ B1 — — NP CREDIT DNEPR BANK POS(m) B3 E+ B3 — — NP CREDIT DU MAROC STA Ba2 D+ — — — NP CREDIT LOGEMENT STA — — — Aa3 Aa2 — CREDIT SUISSE GROUP STA — — Aa2 Aa3 — P-1 Banco Credit Suisse Mexico STA Baa1 D+ — — — P-2 Credit Suisse STA Aa1 B Aa1 Aa2 Aa1 P-1 Credit Suisse (London) Branch STA Aa1 — Aa1 Aa2 — P-1 Credit Suisse (Nassau) Branch STA — — Aa1 Aa2 — P-1 Credit Suisse (New York) Branch STA Aa1 — Aa1 Aa2 — P-1 Credit Suisse International STA Aa1 — Aa1 Aa2 Aa1 P-1 Credit Suisse, Sydney Branch STA — — — — — P-1 CSFB Capital (Guernsey) I Ltd. STA — — — — — — CREDIT-STANDARD BANK STA B3 E+ — — — NP STA Baa1 C- Baa1 Baa2 — P-2 Bancaperta S.P.A. STA Baa1 C- Baa1 Baa2 — P-2 Credito Artigiano S.p.A. STA — — Baa1 Baa2 — P-2 CROATIAN BANK FOR RECONSTRUCTION AND DEVELOPMENT POS — — A1 — A1 — CULLEN/FROST BANKERS, INC. STA — — — A2 A1 — Frost National Bank STA Aa3 B — A1 Aa3 P-1 CZECH EXPORT BANK, A.S. POS — — Aa1 — Aa1 P-1 DAEGU BANK, LTD. STA(m) A2 C- — — — P-1 DAH SING FINANCIAL HOLDINGS LTD. — — — — — — — Dah Sing MTN Financing Limited STA — — A3 Baa1 — — Dah Sing SAR Financing Limited STA — — — Baa1 — — DANMARKS SKIBSKREDIT A/S STA — — Aa3 — Aa3 — A/S RUR Aa1 B Aa1 Aa2 Aa1 P-1 Danske Corporation STA — — — — — P-1 Sampo Bank plc RUR Aa1 B- Aa1 Aa2 Aa1 P-1 DB SUKUK COMPANY LTD. POS — — A3 — — P-2 DBK LEASING STA — — — — Ba3 NP DBS BANK LTD. STA Aa1 B — Aa2 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 15 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term DBS Bank (Hong Kong) Limited STA Aa3 C+ — — — P-1 DEKABANK DEUTSCHE GIROZENTRALE STA Aa2 C Aa2 Aa3 — P-1 DELTA BANK JSC STA B3 E+ — — — NP DEMIR-HALK BANK (NEDERLAND) N.V. STA Ba1 D+ — — — NP DENIZBANK A.S. STA B1 C- — — — NP DERBYSHIRE BUILDING SOCIETY RUR A3 C- A3 Baa1 — P-2 DEUTSCHE APOTHEKER- UND AERZTEBANK EG STA A2 C A2 A3 — P-1 AG STA Aa1 B Aa1 Aa2 Aa1 P-1 DB UK Bank Limited STA Aa3 C — — Aa3 P-1 Deutsche Australia Limited STA — — Aa1 — — P-1 Deutsche Bank AG, London Brch STA — — Aa1 Aa1 — P-1 Deutsche Bank AG, New York STA Aa1 — — — — P-1 Deutsche Bank AG, New Zealand STA — — — Aa2 — — Deutsche Bank AG, Paris Brch. STA Aa1 — — — — P-1 Deutsche Bank AG, Singapore Br. STA Aa1 — — — — P-1 Deutsche Bank AG, Sydney Branch STA Aa1 — Aa1 Aa2 — P-1 Deutsche Bank Americas Fin. LLC STA — — Aa1 — — — Deutsche Bank Cap.Fund.Trust VI STA — — — — — — Deutsche Bank Cap.Fund.Trust VII STA — — — — — — Deutsche Bank Fin'l Inc. STA — — Aa1 Aa2 — P-1 Deutsche Bank Financial LLC STA — — Aa1 Aa2 — P-1 Deutsche Bank Mexico, S.A. STA Baa1 D — — — P-2 DEUTSCHE POST AG RUR — — — — A3 P-2 AG STA Aa2 C+ Aa2 Aa3 — P-1 Deutsche Postbank Fund Trt IV STA — — — — — — Deutsche Siedlungs- und Landesr. STA — — Aaa Aaa — — DEUTSCHE SCHIFFSBANK AG STA A2 C+ NR — A2 P-1 DEVELOPMENT BANK OF KAZAKHSTAN STA — — A2 — A2 — DEVELOPMENT BANK OF SOUTHERN AFRICA POS — — — — A2 — DEVELOPMENT BANK OF THE PHILIPPINES STA(m) B1 D — — — NP GROUP (THE) — — — — — — — DISCOVER STA — — Baa3 — — — Discover Bank STA Baa2 C- Baa2 Baa3 Baa2 P-2 DLR KREDIT A/S STA — — — A2 A1 — DNB NOR BANK ASA NEG Aa1 B- Aa1 Aa2 — P-1 Den norske Bank ASA NEG — — Aa1 Aa2 — P-1 DNB NOR Bank ASA, New York NEG Aa1 — — — — P-1 DOHA BANK Q.S.C. STA A2 D+ A2 A3 — P-1 DONGORBANK, CJCS STA B2 E+ B2 — — NP DORAL FINANCIAL CORPORATION STA — — B1 — — — DOWNEY FINANCIAL CORP. RUR — — Ca — Ca — Downey Savings & Loan Assn. RUR B3 E — — Ca NP DUBAI BANK POS — D — — A3 P-2 DUBAI ISLAMIC BANK PJSC STA — D+ — — A1 P-1 DIB Sukuk Company Limited STA — — A1 — — — DUNFERMLINE BUILDING SOCIETY RUR A3 C- A3 Baa1 — P-2 DZ BANK AG DEUTSCHE ZENTRAL-GENOSSENSCHAFTSBANK STA Aa3 C- Aa3 A1 — P-1 DVB Bank AG STA A1 C A1 A2 — P-1 DZ Bank AG, Cayman Islands STA — — — — — P-1 DZ Bank Perp.Fund.Issuer(Jersey) STA — — — A2 — — E*TRADE FINANCIAL CORP. NEG — — B2 B3 B2 — E*TRADE Bank NEG Ba3 D- — — Ba3 NP E. SUN FINANCIAL HOLDING COMPANY LIMITED STA — — — — Baa2 P-2 E. Sun Commercial Bank, Ltd. STA Baa1 D+ — — — P-2 EBS BUILDING SOCIETY NEG(m) A2 C- A2 A3 — P-1 EFG S.A. STA Aa3 C+ — — — P-1 EFG Hellas (Cayman Islands) Ltd STA — — Aa3 A1 — P-1 EFG Hellas PLC STA — — Aa3 A1 — P-1 EFG INTERNATIONAL STA — — — — A2 — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 16 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term EFG Bank STA A2 C+ — A3 — P-1 EKSPO FAKTORING A.S. STA — — — — Ba3 — EKSPORTFINANS ASA NEG — — Aaa Aa1 Aaa P-1 EMIRATES NBD — — — — — — — Emirates Bank Int'l PJSC STA A1 C- A1 A2 — P-1 National Bank of Dubai PJSC STA A1 C- A1 A2 — P-1 EON BANK GROUP — — — — — — — EON Bank Berhad STA Baa2 D — Baa3 — P-3 BANK AG STA Aa3 C Aa3 A1 — P-1 Banca Comerciala Romana S.A. STA Baa3 D — — — P-3 Ceska Sporitelna, a.s. STA(m) A1 C — — — P-1 Erste Bank Rt STA(m) A3 D+ — — — P-2 Erste Bank, New York STA Aa3 — — — — — Erste Capital Fin.(Jersey)Tier I STA — — — A2 — — Slovenska sporitelna, a.s. STA A1 C- — — — P-1 ESPIRITO SANTO FINANCIAL GROUP S.A. STA — — A1 — A1 — Banco Espirito Santo, London STA — — — — — P-1 Banco Espirito Santo, S.A. STA Aa3 C+ Aa3 A1 — P-1 Banco Espirito Santo, SA, CI STA — — — A1 — P-1 BES Finance Ltd. STA — — Aa3 A1 — P-1 EURASIAN BANK STA B1 E+ — — — NP EUROBANK TEKFEN AS STA B1 D- — — — NP EUROHYPO AG RUR A1 C A1 A2 A1 P-1 Eurohypo AG NOO — — A1 A2 — — Eurohypo AG, New York Branch STA A1 — — — — — EUROHYPO Europ. Hypothekenb. — — — A1 — — — RHEINHYP Rheinische Hypo AG NOO — — A1 A2 — — Rheinhyp Finance N.V. NOO — — A1 A2 — P-1 EUROKOMMERZ HOLDING LIMITED STA — — — — B2 NP EUROPEAN TRUST BANK STA B3 E+ — — — NP EVROFINANCE MOSNARBANK STA Ba3 E+ — — — NP EXIMBANK KAZAKHSTAN STA B3 E+ — — — NP EXIMBANKA SR POS A1 — — — — P-1 EXPOBANK RUR B3 E+ — — — NP EXPORT-IMPORT BANK OF CHINA STA — — A1 — — — EXPORT-IMPORT BANK OF INDIA STA Ba2 — Baa3 — Baa3 NP EXPORT-IMPORT BANK OF KOREA (THE) STA — — Aa3 — — P-1 EXPORT-IMPORT BANK OF THAILAND STA — — — — A3 — EXPRESS-BANK STA B3 E+ — — — NP FHB MORTGAGE BANK CO. PLC. STA Baa3 D+ — — — P-3 FIAT GROUP AUTOMOBILES FINANCIAL SERVICES S.P.A. STA — — — — Baa2 — FIBA INTERNATIONAL HOLDING N.V. — — — — — — — Credit Europe Bank N.V. STA Baa3 D+ — Ba1 — P-3 Credit Europe Bank Ltd. STA Ba1 D- Ba1 — — NP FIDEICOMISO DE FOMENTO MINERO STA — — — — Baa3 P-3 FIFTH THIRD BANCORP NEG — — A1 A2 A1 P-1 Fifth Third Bank, Michigan NEG Aa3 B Aa3 A1 Aa3 P-1 Fifth Third Bank, Ohio NEG Aa3 B Aa3 A1 Aa3 P-1 FINANCIERE SYZ & CO. S.A. STA — — — — A3 — Banque SYZ & Co. S.A. STA A3 C — — — P-2 FIONIA BANK A/S NEG A3 C- A3 Baa1 — P-2 FIRST BANCORP PUERTO RICO — — — — — — — FirstBank Puerto Rico STA Ba1 D+ Ba1 — Ba1 NP FIRST CITIZENS BANCSHARES, INC. — — — — — — — First-Citizens Bank & Tr. Co. STA A1 B- — A2 A1 P-1 FIRST CITIZENS BANK LIMITED STA Baa1 C- — — — P-2 FIRST CZECH RUSSIAN BANK STA B3 E+ — — — NP FIRST FINANCIAL HOLDING COMPANY., LTD STA — — — — Baa1 — First Commercial Bank STA A3 D — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 17 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term FIRST GULF BANK STA A2 D+ A2 A3 — P-1 FIRST HORIZON NATIONAL CORPORATION NEG — — (P)Baa1 Baa2 Baa1 — First Tennessee Bank, N.A. NEG A3 C A3 Baa1 A3 P-2 FIRST INTERNATIONAL BANK OF ISRAEL STA A1 C- — — — P-1 FIRST INVESTMENT BANK AD STA Ba1 D — — — NP FIRST MIDWEST BANCORP, INC. STA — — (P)A3 Baa1 A3 — First Midwest Bank STA A2 C+ — — A2 P-1 FIRST REPUBLIC BANK JSC STA B3 E+ — — — NP FIRST UKRAINIAN INTERNATIONAL BANK, CJSC STA B2 E+ B1 — — NP FIRST UNITED BANK STA B3 E+ B3 — — NP FIRSTMERIT CORPORATION — — — — — — — FirstMerit Bank, N.A. STA A1 B- — — A1 P-1 FIRSTRAND BANKING GROUP — — — — — — — FirstRand Bank Limited POS Baa1 C A2 A2 — P-1 FLAGSTAR BANCORP, INC. — — — — — — — Flagstar Bank, FSB RUR Ba1 D+ — — Ba1 NP FONDO FINANCIERO PRIVADO FASSIL S.A. STA Caa1 E+ — — — NP FORD MOTOR COMPANY NEG — — Caa1 — Caa2 — Volvo Auto Bank GmbH NEG A3 C — — — P-2 FOROYA BANKI P/F STA A3 C- — — — P-2 FORTIS (GROUP) — — — — — — — Fortis SA/NV RUR — — — — Baa2 — Fortis Bank S.A./N.V. RUR A1 C- A1 A2 — P-1 Fortis Bank (Hong Kong) RUR — — A1 — — P-1 Fortis Bank Nederland (Holding) RUR A1 C- A1 A2 — P-1 Fortis Bank, New York RUR A1 — A1 A2 — — Fortis Banque Luxembourg S.A. RUR A1 C- A1 A2 A1 P-1 Fortis Luxembourg Fiannce S.A. RUR — — A1 A2 — P-1 Fortis N.V. RUR — — — — Baa2 — FORUM BANK STA(m) B2 E+ Ba3 — — NP FRIESLAND BANK N.V. STA A2 C A2 A3 — P-1 FUBON FINANCIAL HOLDING CO., LTD. NEG — — — — Baa1 — Fubon Securities Co., Ltd. STA — — — — Baa3 — Taipei Fubon Bank STA A2 C- — — — P-1 FULTON FINANCIAL CORPORATION NEG — — — A3 A2 — Fulton Bank NEG A1 B- — — A1 P-1 FUNDSERVICEBANK STA B2 E+ — — — NP GALLABANK STA B3 E+ — — — NP GAZBANK JSCB STA B2 E+ — — — NP GAZENERGOPROMBANK STA Ba3 E+ — — — NP GAZINVESTBANK STA Caa1 E — — — NP GAZPROMBANK STA(m) Baa1 D- A3 — — P-2 GENERAL ELECTRIC COMPANY STA — — Aaa (P)Aa1 Aaa P-1 GETIN BANK SA NEG Ba2 D — — — NP GHANA COMMERCIAL BANK LTD STA B3 D- — — — NP GIROCREDIT BANK AG DER SPARKASSEN STA — — Aa3 A1 — — GLITNIR BANKI HF RUR Caa1 E Caa2 C — NP GMAC LLC RUR — — Caa1 — Caa1 NP Banco GMAC S.A. RUR B3 E+ — — — NP GOLDMAN SACHS GROUP, INC. (THE) NEG — — Aa3 A1 Aa3 P-1 Goldman Sachs Bank (Europe) plc NEG Aa3 B — — Aa3 P-1 Goldman Sachs Bank USA NEG Aa3 B — — Aa3 P-1 Goldman Sachs Private Bank Ltd. NEG Aa3 B — — Aa3 P-1 GOVERNMENT HOUSING BANK OF THAILAND STA Baa1 E+ — — — P-2 — — — — — — — Banque Federale des Banque Pop. STA Aa3 C+ Aa3 A1 Aa3 P-1 Banque Populaire Atlantique STA Aa3 — Aa3 — — P-1 Banque Populaire Lorraine Champ. STA Aa3 — Aa3 — — P-1 Banque Monetaire et Financiere STA Aa3 — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 18 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Banque Pop. Bourgogne Fr.-Comte STA Aa3 — — — — P-1 Banque Pop. de l'Ouest STA Aa3 — Aa3 — — P-1 Banque Populaire Cote d'Azur STA Aa3 — — — — — Banque Populaire d'Alsace STA Aa3 — — — — P-1 Banque Populaire du Massif Centr STA Aa3 — Aa3 — — P-1 Banque Populaire du Nord STA Aa3 — Aa3 — — P-1 Banque Populaire du Sud Ouest STA Aa3 — Aa3 — — P-1 Banque Populaire Rives de Paris STA Aa3 — Aa3 — — P-1 Banque Populaire Toulouse-Pyrene STA Aa3 — — — — P-1 Banque Populaire Val de France STA Aa3 — Aa3 — — P-1 BRED-Banque Populaire STA Aa3 — — — — P-1 CASDEN - Banque Populaire STA Aa3 — Aa3 — — P-1 Credit Cooperatif STA Aa3 — Aa3 — — P-1 GROUPE CAISSE D'EPARGNE — — — — — — — CNCE STA(m) Aa3 C+ Aa3 A1 — P-1 Banque Palatine RUR Aa3 C- — — — P-1 CDC Ixis NOO — — Aaa A1 — — Credit Foncier de France STA Aa3 C — — — P-1 Locindus S.A. RUR Aa3 C — — — P-1 GROUPE CREDIT AGRICOLE — — — — — — — CRCAM Centre Est RUR Aa1 — Aa1 — — P-1 CRCAM Centre Loire RUR Aa1 — Aa1 — — P-1 CRCAM Nord de France RUR Aa1 — Aa1 — — P-1 CRCAM Sud Rhone Alpes RUR Aa1 — — — — P-1 Credit Agricole S.A. RUR Aa1 B Aa1 Aa2 Aa1 P-1 CALYON RUR Aa1 C Aa1 Aa2 — P-1 Calyon Bank Ukraine STA B2 D Baa1 — — NP CALYON Finl. Products(Guernsey) RUR — — Aa1 Aa2 — P-1 CALYON, New York Branch RUR Aa1 — — — — P-1 Calyon, Tokyo Branch RUR Aa1 — — — — P-1 Cassa Di Risparmio Di Parma STA Aa3 C+ Aa3 — — P-1 Banca Popolare Friuladria STA Aa3 C — — — P-1 CRCAM Alsace Vosges RUR Aa1 — Aa1 — — P-1 CRCAM Anjou-et du Maine RUR Aa1 — Aa1 — — P-1 CRCAM Aquitaine RUR Aa1 — — — — P-1 CRCAM Atlantique Vendee RUR Aa1 — Aa1 — — P-1 CRCAM Brie Picardie RUR Aa1 — Aa1 — — P-1 CRCAM Centre France RUR Aa1 — — — — P-1 CRCAM Cotes d'Armor RUR Aa1 — Aa1 — — P-1 CRCAM d'Alpes Provence RUR Aa1 — Aa1 — — P-1 CRCAM de Charente-Maritime Dx RUR Aa1 — Aa1 — — P-1 CRCAM de Charente-Perigord RUR Aa1 — Aa1 — — P-1 CRCAM de la Reunion RUR Aa1 — Aa1 — — P-1 CRCAM de la Touraine et Poitou RUR Aa1 — Aa1 — — — CRCAM de Normandie RUR Aa1 — Aa1 — — P-1 CRCAM de Sud-Mediterranee RUR Aa1 — Aa1 — — P-1 CRCAM Finistere RUR Aa1 — Aa1 — — P-1 CRCAM Franche Comte RUR Aa1 — Aa1 — — P-1 CRCAM Ile-et-vilaine RUR Aa1 — — — — P-1 CRCAM Lorraine RUR Aa1 — Aa1 — — P-1 CRCAM Morbihan RUR Aa1 — Aa1 — — P-1 CRCAM Nord Est RUR Aa1 — — — — P-1 CRCAM Normandie Seine RUR Aa1 — — — — P-1 CRCAM Paris et Ile-de-France RUR Aa1 — — — — P-1 CRCAM Provence Cote d'Azur RUR Aa1 — Aa1 — — P-1 CRCAM Pyrenees Gascogne RUR Aa1 — — — — P-1 CRCAM Toulouse/Midi Toulousain RUR Aa1 — — — — P-1 Credit Agricole S.A., London RUR — — Aa1 Aa2 — — Credit Uruguay Banco S.A. STA(m) B2 D — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 19 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Emporiki Bank of Greece S.A. STA Aa3 C- Aa3 A1 — P-1 Europejski Fundusz Leasingowy SA RUR — — — — A1 — Index-Bank STA B2 E+ — — — NP Le Credit Lyonnais S.A. RUR Aa1 B- Aa1 Aa2 Aa1 P-1 Credit Lyonnais Australia Ltd. STA — — — — — P-1 Lukas Bank S.A. RUR A2 C- — — — P-1 GROUPE CREDIT IMMOBILIER DE FRANCE — — — — — — — Caisse C'ale du Credit Immo STA A1 C A1 A2 A1 P-1 GRUPO AVAL ACCIONES Y VALORES S.A. — — — — — — — Banco de Bogota STA Ba2 C- — — — NP GRUPO FINANCIERO BANORTE S.A. DE C.V. — — — — — — — Arrendadora Banorte, SA de CV STA — — — — A2 P-1 Banco Mercantil del Norte, S.A. STA Baa1 C- — A3 — P-2 Banco Mercantil del NorteSA(CI) STA — — — A3 — — Factor Banorte, S.A. de C.V. STA — — — — A2 P-1 GRUPO FINANCIERO INTERACCIONES, S.A. DE C.V. — — — — — — — Banco Interacciones, S.A. STA Ba1 D — Ba2 — NP GUANGDONG DEVELOPMENT BANK STA Ba2 D- — — — NP GULF BANK RUR A1 C- — — — P-1 GULF INTERNATIONAL BANK BSC NEG A2 C- — A3 — P-1 GULF INVESTMENT CORPORATION NEG A3 D+ A3 — — P-1 GUNMA BANK, LTD. STA A1 C- — — — P-1 GUTA BANK STA Caa1 E — — — NP HABIB BANK LTD. RUR B3 D- — — — NP HALYK SAVINGS BANK OF KAZAKHSTAN NEG Ba1 D Baa3 — — NP HANA FINANCIAL GROUP, INC. — — — — — — — Hana Bank STA(m) A2 C A1 A2 — P-1 HANCOCK HOLDING COMPANY STA — — — — A2 — Hancock Bank STA A1 B- — — A1 P-1 Hancock Bank of Louisiana STA A1 B- — — A1 P-1 HAWAIIAN ELECTRIC INDUSTRIES, INC. STA — — — — — — American Savings Bank, FSB STA A3 C — — A3 P-2 ASB Realty Corporation STA — — — — — — HBOS PLC RUR — — Aa2 Aa3 Aa2 P-1 plc RUR Aa1 B Aa1 Aa2 Aa1 P-1 Bank of Scotland (Ireland) Ltd RUR Aa3 C- — — — P-1 Bank of Scotland/New York RUR Aa1 — — — — — Bank of Western Australia Ltd RUR Aa3 C Aa3 A1 Aa3 P-1 BOS plc, Australia Branch RUR Aa1 — Aa1 — — P-1 HBOS Capital Funding No. 1 L.P. RUR — — — — — — HDFC LIMITED — — — — — — — HDFC Bank Limited STA Ba2 C- Baa2 Baa2 — NP PUBLIC COMPANY LTD STA Baa2 D+ — — — P-2 HERITAGE BUILDING SOCIETY STA A3 C A3 Baa1 A3 P-2 HEWLETT-PACKARD COMPANY STA — — — — — — Hewlett-Packard Intern Bank Plc STA A2 C- — — — P-1 HIGO BANK LTD. STA A1 C — — — P-1 HIROSHIMA BANK, LIMITED STA A3 D+ — — — P-2 HOME CREDIT & FINANCE BANK STA Ba3 D- Ba3 — — NP HONG LEONG BANK BERHAD STA A3 C- — A3 — P-1 HOUSE CONSTRUCTION SAVING BANK OF KAZAKHSTAN JSC STA Baa2 E+ — — — P-2 HOUSING BANK FOR TRADE & FINANCE (THE) STA Ba3 C- — — — NP HOUSING FINANCING FUND RUR — — A1 — A1 — HSBC HOLDINGS PLC STA — — Aa2 Aa3 — P-1 Hongkong and Shanghai Bank Corp. STA Aa2 B+ Aa1 Aa2 Aa1 P-1 Limited STA Aa2 B+ — Aa2 — P-1 Hang Seng Bank (China) Limited STA A1 D — — A1 P-1 Hongkong & Shanghai Bkg.(Sydney) STA Aa2 — Aa1 NR Aa1 P-1 HSBC Bank (China) Company STA A1 D — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 20 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term HSBC Markets (Bahamas) Limited STA — — Aa1 Aa2 — P-1 HSBC Bank Argentina S.A. STA Caa1 D+ (P)Ba1 — — NP HSBC Bank Brasil-Banco Multiplo STA Ba2 C — — — NP HSBC Bank Malaysia Berhad STA A3 C- — — — P-1 HSBC Bank Middle East Limited STA Aa2 C+ Aa2 Aa3 — P-1 HSBC Bk Middle E. Ltd (UAE Br) STA Aa2 — — — — P-1 HSBC Bank plc STA Aa1 B Aa1 Aa2 Aa1 P-1 HSBC Bank A.S. (Turkey) STA B1 C- — — — NP HSBC Bank Plc Sydney Branch STA Aa1 — — — — P-1 HSBC France STA Aa3 C+ Aa3 A1 — P-1 Midland Australia Finan. Servs. STA — — Aa1 Aa2 — — Midland Intl. Financial Svcs. STA — — Aa1 Aa2 — — HSH NORDBANK AG STA(m) Aa2 C Aa2 Aa3 — P-1 HSH Nordbank, London Branch STA — — Aa1 Aa1 — P-1 HSH Nordbank, New York Branch STA Aa2 — Aa2 — — P-1 HUA NAN FINANCIAL HOLDING COMPANY — — — — — — — Hua Nan Commercial Bank Ltd. STA A3 D — — — P-1 HUDSON VALLEY HOLDING CORP. — — — — — — — Hudson Valley Bank STA A2 C+ — — A2 P-1 HUNTINGTON BANCSHARES INCORPORATED STA — — A3 Baa1 — P-2 Huntington National Bank STA A2 C+ A2 A3 A2 P-1 HYAKUJUSHI BANK LIMITED STA A2 C- — — — — HYPO REAL ESTATE HOLDING AG — — — — — — — HYPO TIROL BANK AG STA Aa1 C Aa1 Aa2 — P-1 ICCREA HOLDING SPA — — — — — — — Banca Agrileasing SpA STA A3 C- A3 Baa1 — P-2 ICICI BANK LIMITED STA Ba2 C- Baa2 Baa2 — NP ICICI Bank Limited, HK Branch STA — — Baa2 Baa2 — — ICICI Bank Ltd, Singapore STA — — Baa2 Baa2 — — ICICI Bank UK Plc. STA Baa2 D Baa2 Baa3 — P-2 ICICI Bank, Bahrain Branch STA — — Baa2 Baa2 — — IDBI BANK LTD STA Ba2 D- Baa2 — — NP IKB DEUTSCHE INDUSTRIEBANK AG RUR Baa3 E Baa3 Ba2 — P-3 IKB Funding Trust II STA — — — — — — IMEXBANK JSCB STA B3 E+ — — — NP INDEPENDENT BANK CORPORATION — — — — — — — Independent Bank STA Baa1 C- — — Baa1 P-2 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED STA(m) A1 D- — — — P-1 Ind. & Coml Bk of China (Asia) STA A2 C- — — — P-1 INDUSTRIAL BANK OF KOREA STA A2 D+ Aa3 Aa3 — P-1 INDUSTRIALBANK, JSCB STA B3 E+ — — — NP ING GROEP N.V. STA — — Aa3 A2 — — ING Bank N.V. STA Aa2 B- Aa2 Aa3 — P-1 ING (U.S.) Funding LLC STA — — — — — P-1 ING Bank (Australia) Ltd. STA Aa3 C+ Aa2 — Aa3 P-1 ING Bank Eurasia STA Baa1 D — — — P-2 ING Bank N.V. - Sao Paulo STA Ba2 — — — — NP ING Bank N.V., Tokyo Branch STA Aa2 — — — — P-1 ING Bank of Canada STA — C — Aa3 — P-1 ING Bank Slaski S.A. STA A2 D+ — — — P-1 ING Bank Ukraine STA B2 D — — — NP ING Bank, Paris Branch STA Aa2 — — — — P-1 ING Bank, S.A. (Mexico) STA Baa1 D+ — — — P-2 ING Belgium SA/NV STA Aa2 B- — — — P-1 ING Belgium Intern. Fin. S.A. STA — — Aa2 Aa3 — — Postbank Groen N.V. STA — — Aa2 Aa3 — P-1 INSTITUTO DE CREDITO OFICIAL STA — — Aaa — — P-1 INTEGRA BANK CORPORATION — — — — — — — Integra Bank National Associat. STA A3 C — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 21 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term INTERMARKET BANK AG STA A2 C — — — P-1 INTERNATIONAL ASSET BANK AD POS B1 E+ — — — NP INTERNATIONAL BANK OF AZERBAIJAN STA(m) Ba2 E+ — Baa3 — NP INTERNATIONAL INDUSTRIAL BANK STA B1 E+ B1 — — NP INTERNATIONAL INVESTMENT BANK STA B3 E+ — — — NP INTERPROMBANK, JSCB STA B3 E+ — — — NP INTERREGIONAL BANK FOR SETTLEMENTS OF THE TELECOMM RUR Caa2 E — — — NP SPA STA Aa2 B- Aa2 Aa3 Aa2 P-1 Banca Commerciale Ital. S.p.A. POS — — Aa2 Aa3 — P-1 Banca CR Firenze S.p.A. STA Aa3 C Aa3 A1 Aa3 P-1 Banca IMI Spa STA Aa3 C- Aa3 A1 — P-1 Banca Infrast. Innov. e Sviluppo STA Aa3 C+ — — — P-1 Banca Intesa Spa, Hong Kong STA Aa2 — — — — P-1 Banca Intesa, New York branch STA Aa2 — — Aa3 — — Bank of Alexandria SAE STA(m) Ba2 D- — — — NP Cassa Risparmi Forli Rom Spa STA A1 C- A1 A2 — P-1 Cassa Risparmio Provinc Lombard STA — — Aa2 — — — CIB Bank Ltd. STA(m) A3 C- Aa3 — — P-2 Intesa Bank Ireland p.l.c. STA — — Aa2 Aa3 — P-1 Sanpaolo IMI S.p.A. STA — — Aa2 Aa3 — P-1 Sanpaolo IMI Bank (Intl) S.A. STA — — Aa2 — — P-1 SANPAOLO IMI U.S. Financial Co STA — — — — — P-1 Vseobecna uverova banka, a.s. STA Aa3 C- — — — P-1 INTRUST FINANCIAL CORPORATION STA — — — — Baa1 — INTRUST Bank, N.A. STA A3 C — — A3 P-2 INVESTCORP BANK B.S.C. RUR Baa3 D+ — — — P-3 Investcorp Capital Limited RUR — — Baa3 — — — Investcorp S.A. RUR Baa3 D+ — — — P-3 INVESTEC HOLDINGS LTD — — — — — — — Investec PLC NEG — — — — Baa2 P-2 Investec Bank (UK) Ltd NEG(m) Baa1 C- — — — P-2 INVESTMENT TRADE BANK STA B2 E+ — — — NP IPOTEKA BANK STA B3 E+ — — — NP IRISH LIFE & PERMANENT PLC NEG Aa3 C+ Aa3 A1 — P-1 IRISH NATIONWIDE BUILDING SOCIETY RUR Baa1 C- Baa1 Baa2 — P-2 ISRAEL DISCOUNT BANK STA A1 C- — — — P-1 Israel Credit Cards Limited STA — — — — Ba1 — ISTITUTO DI SERVIZI PER IL MERCATO AGRICOLO ALIMEN STA — — — — Aa2 NR ISTROBANKA, A.S. STA(m) — D- — — — — J & T BANKA, A. S. STA B2 E+ — — — NP JAPAN TRUSTEE SERVICES BANK, LTD. STA Aa3 C — — — P-1 JEONBUK BANK STA A3 D+ — — — P-1 JOINT STOCK COMMERCAL BANK RESPUBLIKA POS(m) B2 E+ — — — NP JOINT STOCK COMPANY INDUSTRIAL AND TRADE BANK PROM STA B3 E+ — — — NP JOYO BANK, LTD. STA A1 C- A1 — — P-1 JPMORGAN CHASE & CO. NEG — — Aa2 Aa3 Aa2 P-1 BANK ONE CORPORATION NEG — — Aa2 Aa3 — P-1 Bank One, Illinois, N.A. NEG Aaa — — — — — Bank One, National Association NEG — — Aaa Aa1 — P-1 First Chicago NBD Corporation NEG — — Aa2 Aa3 — — Bank One N.A. (Chicago) NEG Aaa — Aaa Aa1 — P-1 First Chicago Australia Ltd. NEG — — — — — P-1 NBD Bancorp, Inc. NEG — — — Aa3 — — Bank One, Michigan NEG — — — Aa1 — — First Commerce Corp. NEG — — — — — — Bear Stearns Companies LLC. NEG — — Aa2 Aa3 — P-1 Chase Manhattan Corporation (OLD) NEG — — Aa2 Aa3 Aa2 — J.P. Morgan & Co. Incorporated NEG — — Aa2 Aa3 Aa2 P-1 J.P. Morgan Australia Ltd. NEG — — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 22 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term JP Morgan Internat. Derivatives NEG — — Aaa — — P-1 J.P. Morgan Bank Canada NEG Aaa — — — — P-1 J.P. Morgan Securities Ltd NEG — — — — Aaa P-1 J.P. Morgan Trust Bank Ltd. NEG Aaa — — — — P-1 JPMorgan Chase Bank, London NEG — — Aaa — — P-1 JPMorgan Chase Bank, N.A. NEG Aaa — — — — P-1 JPMorgan Chase Bank, N.A., NY BR NEG — — Aaa Aa1 — — JPMorgan Chase Bank, NA NEG Aaa B+ Aaa Aa1 Aaa P-1 Chase Manhattan Bank, Paris Br. NEG Aaa — — — — P-1 Chase Manhattan Bank, Sydney Br. NEG — — Aaa — — — JPMorgan Chase Bk China Co Ltd NEG Aaa — — Aa1 — P-1 JPMorgan Chase Bk, NA, Singapore NEG Aa2 — Aaa — — P-1 JSB ROSBANK POS(m) Baa3 D Baa3 — — P-3 JSC NURBANK STA B1 E+ — — — NP JSCB BANK OF MOSCOW STA(m) Baa1 D A3 Baa1 — P-2 Bank Moscow-Minsk STA B2 E+ — — — NP JULIUS BAER HOLDING AG STA — — — — A1 — Bank Julius Baer & Co. AG STA Aa3 B- — — — P-1 Bank Julius Baer & Co, Guernsey STA — — Aa3 — — — A/S NEG Aa2 B- Aa2 Aa3 — P-1 KAPITAL BANK OJSC STA B1 E+ — — — NP KASIKORNBANK PUBLIC COMPANY LIMITED STA Baa1 D+ — — — P-2 KASIKORNBANK Public Co.Ltd (CI) STA — — — Baa1 — — KAUPTHING BANK HF RUR Caa1 E Caa2 C — NP FIH Erhvervsbank A/S RUR A2 C A2 A3 — P-1 KAZAGROFINANCE, JSC STA — — — — Baa2 P-2 KAZAKHSTAN MORTGAGE COMPANY JSC STA — — — — Baa1 — KAZINVESTBANK STA B2 E+ — — — NP KAZKOMMERTSBANK STA(m) Ba1 D- — Ba2 — NP KBC GROUP NV NEG — — Aa3 — Aa3 P-1 Absolut Bank STA Baa3 D- Baa3 — — P-3 KBC Bank N.V. NEG Aa2 B- Aa2 Aa3 — P-1 Ceskoslovenska Obchodni Banka NEG(m) A1 C — — — P-1 Ceskoslovenska obchodna banka STA A2 D — — — P-1 KBC Bank Ireland PLC NEG(m) A1 C A1 A2 — P-1 KBC Dublin Capital Plc STA — — — — — P-1 KBC Financial Prod. Int'l VI Ltd NEG — — Aa2 — — — KBC Financial Products Int'l Ltd NEG — — Aa2 — — P-1 KBC IFIMA N.V. NEG — — Aa2 Aa3 — P-1 KBC International Finance N.V. NEG — — Aa2 Aa3 — — Kereskedelmi & Hitel Bank Rt. STA(m) A3 C- — — — P-2 Kredietbank North Amer. Fin Corp STA — — — — — P-1 Kredyt Bank S.A. STA A2 D — — — P-1 Nova Ljubljanska banka d.d. STA Aa3 C — A1 — P-1 NLB InterFinanz AG STA — — — — A3 — KEDR BANK STA B2 E+ — — — NP KEYCORP STA — — A2 A3 A2 P-1 KeyBank National Association STA A1 B- A1 A2 A1 P-1 Key Equipment Finance Inc. STA — — — — A2 — KHAN BANK LLC STA B2 D Ba2 Ba1 Ba2 NP KHRESCHATYK BANK STA B2 E+ — — — NP KIT FINANCE INVESTMENT BANK RUR Caa2 E — — — NP KIYO BANK, LTD. STA Baa1 D- — — — P-2 KOC FINANCIAL SERVICES — — — — — — — Yapi ve Kredi Bankasi AS STA(m) B1 D+ — — — NP KOOKMIN BANK STA(m) A2 C Aa3 A1 — P-1 KOREA DEVELOPMENT BANK NEG(m) A2 D Aa3 — — P-1 Korea Development Bank, NY Br. NEG(m) — — — — — P-1 KOREA EXCHANGE BANK STA(m) A2 C- A2 (P)A3 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 23 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term KREDITANSTALT FUER WIEDERAUFBAU STA Aaa — Aaa — — P-1 Deutsche Ausgleichsbank NOO — — Aaa — — P-1 KFW Int'l Finance, Inc. STA — — Aaa — — P-1 KfW IPEX-Bank GmbH STA Aa3 C- — — — P-1 KREDITPROMBANK STA B2 E+ — — — NP KREISSPARKASSE KOELN STA Aa2 C Aa2 — — P-1 KRUNG THAI BANK STA Baa1 D- — — — P-2 Krung Thai Bank, Singapore Br. STA Baa1 — — — — — KUWAIT FINANCE HOUSE STA Aa3 C- — — — P-1 LAND BANK OF TAIWAN STA Aa3 D — — — P-1 LAND BANK OF THE PHILIPPINES STA(m) B1 D- — — — NP LANDESBANK BADEN-WUERTTEMBERG STA Aa1 C Aa1 Aa2 — P-1 Landesbank Baden-Wuerttemberg, New York Branch STA Aa1 — Aa1 Aaa — P-1 LANDESBANK SACHSEN AG NEG(m) — — Aa1 Aa2 — P-1 Sachsen LB Europe PLC NEG(m) Aa1 E Aaa Aa1 — P-1 Landeskreditbank Baden-Wuert. NOO — — Aaa Aaa — — LB Baden-Wuerttemberg Capl Mkts STA — — Aaa — — P-1 LRP Landesbank Rheinland-Pfalz NOO — — Aa1 Aa2 — P-1 LANDESBANK BADEN-WUERTTEMBERG, SINGAPORE BRANCH NEG — — Aa1 Aa2 — P-1 LANDESBANK BERLIN HOLDING AG — — — — — — — Landesbank Berlin AG STA A1 D+ A1 A2 A1 P-1 Landesbank Berlin, London Br. STA — — A1 A2 — P-1 LBB Finance (Ireland) plc STA — — Aa1 Aa1 — P-1 LANDESBANK HESSEN-THUERINGEN GZ STA Aa2 C- Aa2 Aa3 — P-1 Finance B.V. STA — — Aaa — — — Helaba Int'l. Finance Plc STA — — Aaa — — — Landesbank Hessen-Thuerin., NY STA Aa2 — — — — — Main Capital Fund. Ltd Part. STA — — — — — — Main Capital Fund. II Ltd Part. STA — — — — — — LANDESGIROKASSE STUTTGART NOO — — Aaa — — P-1 LANDESKREDITBANK BADEN-WUERTTEMBERG - FOERDERBANK STA Aaa — Aaa Aaa Aaa P-1 LANDSBANKI ISLANDS HF RUR Caa1 E Caa2 C Caa2 NP LANDSHYPOTEK AB (PUBL) STA A2 C+ — — — P-1 LANDWIRTSCHAFTLICHE RENTENBANK STA Aaa — Aaa Aaa — P-1 LATVIJAS KRAJBANKA A/S NEG Ba2 D- — — — NP LAURITZEN CORPORATION — — — — — — — LEASEPLAN CORPORATION N.V. RUR — C A3 Baa1 A3 P-2 Lease Plan New Zealand Limited STA — — — — — P-2 LEEDS BUILDING SOCIETY STA A2 C+ A2 A3 — P-1 LEHMAN BROTHERS HOLDINGS INC. RUR — — B3 Caa2 B3 NP Lehman Brothers Commercial Bank RUR B3 — — — — NP LF INSURANCE GROUP — — — — — — — LFA FOERDERBANK BAYERN STA Aaa — Aaa — — P-1 LGT BANK IN LIECHTENSTEIN AG STA Aa3 B- Aa3 — Aa3 P-1 LGT Finance Limited STA — — Aa3 — — — LICO LEASING, S.A. STA A2 — — — — P-1 LLOYDS TSB GROUP PLC RUR — — Aa1 Aa2 — — Lloyds TSB Bank Plc RUR Aaa B+ Aaa Aa1 — P-1 Cheltenham & Gloucester plc RUR Aaa B+ Aaa Aa1 Aaa P-1 Lloyds TSB Bank plc (Uruguay) STA(m) B2 — — — — NP Lloyds TSB Offshore Limited RUR Aa2 C — — — P-1 LOCKO-BANK STA B2 E+ B2 — — NP M&T BANK CORPORATION STA — — A2 (P)A3 A2 — Manufacturers & Traders Tr Co STA A1 B- — A2 A1 P-1 MACQUARIE GROUP LIMITED NEG — — A2 A3 A2 P-1 Macquarie CPS Trust NEG — — — — — — Macquarie Financial Holdings Ltd NEG — — — — A2 P-1 Macquarie International Fin Ltd NEG — — A2 A3 A2 P-1 MALAYAN BANKING BERHAD STA(m) A3 C — A3 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 24 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term MBB Sukuk Inc STA — — — A3 — — MARFIN EGNATIA BANK SA STA Baa1 D+ — — — P-2 MARFIN POPULAR BANK PUBLIC COMPANY LTD. STA A3 C- A3 Baa1 — P-1 MARSHALL & ILSLEY CORPORATION NEG — — A1 A2 — P-1 M&I LLC NEG — — A1 A2 — — M&I Bank FSB NEG Aa3 B — — Aa3 P-1 M&I Marshall & Ilsley Bank NEG Aa3 B Aa3 A1 Aa3 P-1 M&I Marshall & Ilsley Inv.II Co. NEG — — — — — — MASHREQBANK PSC STA A2 C- A2 A3 — P-1 MAURITIUS COMMERCIAL BANK LIMITED STA Baa2 D+ — — Baa1 P-2 MBA BANCO DE INVERSIONES S.A. STA Caa1 D- — — — NP MCB BANK LIMITED RUR B3 D — — — NP MDM FINANCIAL GROUP — — — — — — — MDM Bank STA Ba1 D+ Ba1 Ba2 — NP MEDIOCREDITO TRENTINO-ALTO ADIGE S.P.A. STA Aa3 C- — — — P-1 MEGA FINANCIAL HOLDING CO., LTD STA — — — — A3 — Mega Int'l Commercial Bank STA A1 C- — — — P-1 MELIORBANCA S.P.A. RUR Baa3 D+ — — — P-3 MEMBERS UNITED CORPORATE FEDERAL CREDIT UNION STA — — — — — P-1 MERCANTIL SERVICIOS FINANCIEROS — — — — — — — Mercantil, C.A., Banco Univ STA(m) B3 D- — — — NP MERRILL LYNCH & CO., INC. RUR — — A2 A3 A2 P-1 Merrill Lynch Bank & Trust Co RUR A2 C+ — — A2 — Merrill Lynch Bank USA RUR A2 C+ A2 A3 A2 P-1 METALLINVESTBANK JSCB NEG(m) B2 E+ — — — NP METKOMBANK STA B3 E+ — — — NP METROPOLITAN BANK AND TRUST COMPANY STA(m) B1 D — Baa3 — NP MFB HUNGARIAN DEVELOPMENT BANK LTD. STA(m) A3 — Aa1 — — P-2 MITSUBISHI UFJ FINANCIAL GROUP, INC. — — — — — — — Bank of Tokyo-Mitsubishi UFJ NEG Aa2 C Aa2 Aa3 Aa2 P-1 Bank of Tokyo-Mit. UFJ (MX) STA — D — — — — Bank of Tokyo-Mitsu. UFJ Ltd. HK NEG Aa2 — — — — — Bank of Tokyo-Mitsub.UFJ Trust NEG Aa2 C- — — Aa2 P-1 Bk of Tokyo-Mitsubishi UFJ, Ltd. NEG Aa2 — — — — P-1 BTMU (Curacao) Holdings N.V. NEG — — Aa2 Aa3 — — UnionBanCal Comm. Fund. Corp. STA — — — — — P-1 UnionBanCal Corporation STA — — — A2 — — Union Bank of California, N.A. STA Aa3 B Aa3 A1 Aa3 P-1 Mitsubishi UFJ Secs Co., Ltd. NEG — — — — Aa2 P-1 Mitsubishi UFJ Secs (HK) Capital NEG Aa2 — — — — — Mitsubishi UFJ Secs Int'l plc NEG — — Aa2 Aa3 Aa2 P-1 Mitsubishi UFJ Trt & Bank. Corp. NEG Aa2 C — Aa3 — P-1 Mitsubishi UFJ Trust Int. Ltd NEG — — — — Aa2 — UFJ Trust Bank Limited NEG — — — Aa3 — — MUFG Capital Finance 6 Limited NEG — — — — — — MUFG Capital Finance 7 Limited NEG — — — — — — UFJ Bank Limited NEG — — Aa2 Aa3 — — MIZRAHI TEFAHOT BANK STA A1 C- — — — P-1 MIZUHO FINANCIAL GROUP, INC. NEG — — — — — P-1 Mizuho Trust & Banking Co., Ltd. NEG Aa2 C Aa2 Aa3 — P-1 Mizuho TB (Aruba) A.E.C. NEG — — — Aa3 — — Trust & Custody Services Bank NEG Aa2 C — — — P-1 MKB UNIONBANK AD STA Ba1 D- — — — NP MORGAN STANLEY RUR — — A1 A2 A1 P-1 Bank Morgan Stanley AG STA A1 C+ — — — P-1 Morgan Stanley Bank AG RUR A1 B- — — A1 P-1 Morgan Stanley Bank Int''l Ltd. RUR A1 B- — — A1 P-1 Morgan Stanley Bank, N.A. RUR A1 B- — — A1 P-1 MORTGAGE AND LAND BANK OF LATVIA NEG A3 D- — — — P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 25 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term MOSCOW BANK FOR RECONSTRUCTION & DEVELOPMENT RUR B1 E+ B1 B2 — NP MOSCOW CAPITAL BANK RUR Caa2 E — — — NP MOSCOW MORTGAGE AGENCY STA Ba2 E+ — — — NP MUENCHENER HYPOTHEKENBANK EG STA Aa3 C+ Aa3 A1 — P-1 GFW Capital GmbH STA — — — A2 — — MY BANK STA B3 E+ B3 — — NP NACIONAL FINANCIERA, S.N.C. STA — — — — — P-1 Nacional Financiera (Cayman) STA — — A1 — — P-1 NATIONAL AGRICULTURAL COOPERATIVE FEDERATION STA A2 D+ A1 A2 A1 P-1 LIMITED NEG Aa1 B Aa1 Aa2 Aa1 P-1 Bank of New Zealand STA Aa2 C+ Aa2 Aa3 Aa2 P-1 BNZ Income Securities Limited STA — — — — — — BNZ Int'l Funding Ltd, London STA — — Aa2 Aa3 Aa2 P-1 Clydesdale Bank plc STA Aa3 B- Aa3 A1 — P-1 National Australia Bk, NY Br. NEG — — Aa1 — — — National Capital Trust III NEG — — — — — — NATIONAL BANK OF ABU DHABI STA Aa3 C Aa3 — — P-1 NATIONAL BANK OF BAHRAIN BSC STA A2 C- — — — P-1 NATIONAL BANK OF CANADA STA Aa2 B- Aa2 Aa3 Aa2 P-1 Natl Bank of Canada, NY Branch STA Aa2 — — — — P-1 NB Capital Corporation STA — — — — — — NBC Asset Trust STA — — — — — — NATIONAL BANK OF EGYPT SAE STA(m) Ba2 D — — — NP S.A. STA Aa3 C+ — — — P-1 Finansbank AS STA B1 C- — — — NP Finans Finansal Kiralama A.S. STA — — — — Ba1 — NBG Finance plc STA — — Aa3 A1 — — NATIONAL BANK OF KUWAIT STA Aa2 B- — — — P-1 NATIONAL BANK OF OMAN LIMITED (SAOG) STA A3 D+ — — — P-2 NATIONAL BANK OF PAKISTAN RUR B3 D — — — NP NATIONAL BANK OF RAS-AL-KHAIMAH STA Baa1 D+ Baa1 — — P-2 NATIONAL BANK OF UZBEKISTAN STA B3 E+ — — — NP NATIONAL BANK TRUST STA B1 E+ B1 — — NP NATIONAL CITY CORPORATION RUR — — A3 Baa1 — — Merchants National Corp RUR — — A3 — — — National City Bank RUR A2 C+ A2 A3 A2 P-1 National City Bank, Indiana RUR — — A2 A3 — — National City Bk of Pennsylvania RUR — — — A3 — — National City Credit Corporation RUR — — — — — P-2 NATIONAL COMMERCIAL BANK STA A1 C — — — P-1 NATIONAL FACTORING COMPANY STA B2 E+ — — — NP NATIONAL RESERVE BANK STA B2 E+ — — — NP NATIONAL STANDARD BANK STA — E+ B3 — — NP NATIONWIDE BUILDING SOCIETY NEG Aa2 B Aa2 Aa3 — P-1 STA(m) Aa3 C Aa3 A1 Aa3 P-1 IXIS Corporate and Invest. Bank NOO — — Aaa Aaa — — Natixis Commercial Paper Corp. STA — — — — — P-1 NATIXIS Structured Products Ltd STA — — Aa3 — — P-1 NBP Preferred Capital I, L.L.C. STA — — — — — — NATSIONALNY KOSMICHESKY BANK OAO (NK BANK) STA B3 E+ — — — NP NBD BANK STA B2 E+ — — — NP NEW YORK COMMUNITY BANCORP, INC. STA — — — — A3 — New York Community Bank STA A2 C+ — — — P-1 NEWCASTLE BUILDING SOCIETY STA A2 C A2 A3 — P-1 NEWCASTLE PERMANENT BUILDING SOCIETY NEG A2 C+ — — A2 P-1 NIBC BANK N.V. STA Baa1 C- Baa1 Baa2 — P-2 NOMOS BANK STA Ba3 D- Ba3 B1 — NP NORDDEUTSCHE LANDESBANK GZ STA Aa2 C- Aa2 Aa3 — P-1 Deutsche Hypothekenbank AG STA Aa3 C- Aa3 A1 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 26 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Fuerstenberg Capital GmbH STA — — — A1 — — Fuerstenberg Capital II GmbH STA — — — A1 — — Nord/LB Finance (Curacao) N.V. STA — — Aa1 Aa1 — P-1 Nord/LB GZ (Singapore Branch) STA — — Aa1 — — P-1 Nord/LB Norddeutsche Sec. plc STA — — Aa1 Aa1 — P-1 Norddeutsche Landesbank GZ, NY STA Aa2 — — — — P-1 Norddeutsche Landesbank Lux. STA Aa3 C- Aa3 — — P-1 BANK AB STA Aa1 B Aa1 Aa2 — P-1 Nordea Bank Danmark A/S STA Aa1 B- Aa1 Aa2 Aa1 P-1 Nordea Bank Finland Plc STA Aa1 B Aa1 Aa2 Aa1 P-1 Nordea Bank Finland Plc, NY Br STA Aa1 — — Aa2 — — Nordea Bank Norge ASA STA Aa1 B- Aa1 Aa2 — P-1 Nordea Hypotek AB (publ) STA — — Aa3 A1 — P-1 Nordea North America, Inc. STA — — — — — P-1 NORINCHUKIN BANK NEG Aa2 C Aa2 — Aa2 P-1 NORTHERN ROCK PLC DEV A2 E+ A2 B1 — P-1 NORTHERN TRUST CORPORATION STA — — A1 (P)A2 A1 P-1 Northern Trust Company STA Aa3 B Aa3 A1 Aa3 P-1 NORVIK BANKA, JSC NEG Ba3 D- — — — NP NORWICH & PETERBOROUGH BUILDING SOCIETY STA A2 C — — — P-1 NOTTINGHAM BUILDING SOCIETY STA A3 C- — — — P-2 NOVA KREDITNA BANKA MARIBOR D.D. STA A1 C- — A2 — P-1 NRW.BANK STA — C- Aa1 Aa1 Aa1 P-1 NUEVO BANCO INDUSTRIAL DE AZUL S.A. STA Caa1 E+ — — — NP NYKREDIT REALKREDIT A/S STA — — — A1 Aa3 P-1 Nykredit Bank A/S STA Aa3 C+ Aa3 A1 — P-1 ODDO & CIE NEG Baa2 C- Baa2 Baa3 Baa2 P-3 OESTERREICHISCHE KONTROLLBANK AG STA Aaa — Aaa — — P-1 OESTERREICHISCHE VOLKSBANKEN AG STA Aa3 C Aa3 A1 Aa3 P-1 Investkredit Bank AG STA A1 C A1 A2 — P-1 Investkredit Funding Ltd STA — — — — — — Investkredit Funding II Limited STA — — — — — — Kommunalkredit Austria AG RUR Aa3 C- Aa3 A1 — P-1 Dexia Kommunalkredit Bank RUR — C- A2 A3 — P-1 Kommunalkredit Int. Bank Ltd RUR — C- A1 — A1 P-1 OGAKI KYORITSU BANK, LTD. STA A3 D+ — — — P-2 OJSC OIL COMPANY ROSNEFT STA — — — — Baa1 — Russian Regional Develop. Bank STA Ba1 E+ — — — NP Far Eastern Bank STA Ba3 E+ — — — NP OLD MUTUAL PLC RUR — — A3 Baa2 A3 P-2 OLD NATIONAL BANCORP NEG — — A2 A3 — — Old National Bank NEG A1 B- A1 A2 A1 P-1 OMAN ARAB BANK (SAOC) STA A2 C- — — — P-1 OMAN INTERNATIONAL BANK (SAOG) STA A3 D+ — — — P-2 OP-POHJOLA GROUP STA — B — — — — Pohjola Bank plc STA Aa1 C+ Aa1 Aa2 Aa1 P-1 ORIENTAL BANK OF COMMERCE STA Ba2 D+ — — — NP ORSZAGOS TAKAREKPENZTAR ES KERESKEDELMI BANK RT. RUR A3 C+ Aa3 A1 — P-2 DSK Bank PLC STA Baa3 D+ — — — P-3 OTP Bank (Ukraine) STA B2 D — — — NP OTP Banka Slovensko, a.s. (OBS) RUR Baa1 D- — — — P-2 OTP Jelzalogbank Rt (OTP Mtge B) RUR A3 C+ — — — P-2 OSV - OSTDEUTSCHER SPARKASSENVERBAND STA — — — — Aa3 — OVERSEA-CHINESE BANKING CORP LTD STA Aa1 B — Aa2 — P-1 PACIFIC CAPITAL BANCORP NEG — — — — A3 — Pacific Capital Bank, N.A. NEG A2 C+ — — A2 P-1 PAN INDONESIA BANK TBK (P.T.) STA(m) B1 D — — — NP PAREX BANK DEV(m) Ba1 E+ Ba1 — — NP PEOPLE'S UNITED FINANCIAL INC. POS — — — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 27 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term People's United Bank POS A2 C+ — A3 A2 P-1 PETERSBURG SOCIAL COMMERCIAL BANK STA B3 E+ — — — NP PETROCOMMERCE BANK STA Ba3 D- Ba3 — — NP PEUGEOT S.A. STA — — — — Baa2 P-2 Banque PSA Finance RUR A3 C A3 Baa1 — P-2 Peugeot Finance International NV RUR — — A3 — — P-2 PSA Finance Argentina Comp.Fin. STA Caa1 E+ Ba3 — — NP PHILIPPINE NATIONAL BANK STA(m) B1 E+ — Ba2 — NP S.A. STA A1 C A1 A2 — P-1 Piraeus Bank Bulgaria AD STA Baa3 D- — — — P-3 Piraeus Group Finance Plc STA — — A1 A2 — P-1 PIVDENNYI BANK, JSCB STA B2 E+ B2 — — NP PNC FINANCIAL SERVICES GROUP, INC. NEG — — — (P)A2 A1 — PNC Bank, N.A. NEG Aa3 B Aa3 A1 Aa3 P-1 Mercantile Bankshares Corp. NEG — — — A2 — — Riggs National Corporation NEG — — — A2 — — PNC Funding Corporation NEG — — A1 A2 — P-1 PNC Preferred Funding Trust II NEG — — — — — — PNC Preferred Funding Trust III NEG — — — — — — POPULAR, INC. NEG — — A3 Baa1 — — Banco Popular de Puerto Rico NEG A2 C+ — — A2 P-1 PORTMAN BUILDING SOCIETY STA — — Aa2 Aa3 — — POWSZECHNA KASA OSZCZEDNOSCI BANK POLSKI S.A. STA A2 C Aa2 Aa3 — P-1 PRAVEX-BANK JOINT-STOCK COMMERCIAL BANK STA B2 E+ Ba2 — — NP PRINCIPALITY BUILDING SOCIETY RUR A2 C A2 A3 — P-1 PRIVADO HOLDING SGPS, S.A. — — — — — — — Banco Privado Portugues S.A. RUR Ba2 D — — — NP PRIVATBANK STA B2 D- Ba3 Ba3 — NP PRIVATBANK AS STA B1 E+ — — — NP PRIVATBANKA A.S. STA B2 E+ — — — NP PROMINVESTBANK RUR Caa2 E — — — NP PROMSVYAZBANK STA Ba2 D Ba2 Ba3 — NP PRUDENTIAL BANK, S.A. STA Ba2 E+ — — — NP PRUDENTIAL FINANCIAL, INC. STA — — A3 Baa1 A3 P-2 PT BANK LIPPO TBK STA B1 D — Ba2 Ba2 NP PT BANK NIAGA TBK STA B1 D — Ba2 Ba2 NP PUBLIC BANK BERHAD STA A3 C — A3 — P-1 Public Bank (Hong Kong) Limited STA A3 C- — — — P-1 PUNJAB NATIONAL BANK STA Ba2 D+ — — — NP PUSAN BANK STA(m) A2 C- — A3 — P-1 QATAR NATIONAL BANK STA Aa3 C- — — — P-1 NEDERLAND STA Aaa B+ Aaa Aa1 Aaa P-1 Rabo Australia Ltd. STA — — Aaa — — P-1 Rabo Financial Products B.V. STA — — Aaa Aa1 — P-1 Rabobank Australia Limited STA Aaa — Aaa — — P-1 Rabobank Curacao N.V. STA — — Aaa — — P-1 Rabobank Int'l Equity Deriv. STA — — Aaa Aa1 — P-1 Rabobank Ireland plc STA — — Aaa — — P-1 Rabobank Nederland, Australia Br STA — — Aaa Aa1 — P-1 Rabobank Nederland, HK Branch STA Aaa — — — — P-1 Rabobank Nederland, Netherlands STA — — Aaa — — P-1 Rabobank Nederland, NY Branch STA Aaa — Aaa — — P-1 Rabobank Nederland, NZ Branch STA — — Aaa — — P-1 Rabobank Nederland, Paris Branch STA — — — — — P-1 Rabobank Nederland, Singapore Br STA — — Aaa Aa1 — P-1 Rabobank USA Financial Corp. STA — — — — — P-1 Rabohypotheekbank N.V. STA — — Aaa — — — RI Financial Structures B.V. STA — — Aaa — — P-1 RABOBANK POLSKA SA STA — — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 28 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term RAIFFEISEN ZENTRALBANK OESTERREICH AG STA Aa2 C NR Aa3 Aa2 P-1 RAIFFEISEN-GRUPPE — — — — — — — Raiffeisen Schweiz STA Aa1 C+ Aa1 — — P-1 RAIFFEISENLANDESBANK NIEDEROESTERREICH - WIEN STA Aa3 C — — Aa3 P-1 RAIFFEISENLANDESBANK OBEROESTERREICH AKTIENGESELLS STA Aa3 C — NR Aa3 P-1 RASHID HUSSAIN BERHAD — — — — — — — RBC DEXIA INVESTOR SERVICES LIMITED STA — — — — Aa3 — REGIONS FINANCIAL CORPORATION NEG — — A2 A3 A2 P-1 Regions Bank NEG A1 B- A1 A2 A1 P-1 Regions Asset Mgmt. Co., Inc. NEG — — — — — — Union Planters Corporation NEG — — A2 A3 — — Union Planters Bank, N.A. NEG — — — A2 — — Union_Planters_Pfd Funding_Corp. NEG — — — — — — RENAISSANCE CAPITAL HOLDINGS LTD RUR — — — — Ba3 NP Comm. Bk "Renaissance Cap", LLC RUR B1 E+ B1 — — NP RENAULT S.A. STA — — — — — — RCI Banque RUR A3 C A3 Baa1 — P-2 Diac RUR — — A3 — — P-2 Overlease S.A. RUR — — A3 — — P-2 RCI Banque Sucursal Argentina RUR — — — — Ba1 — Renault Autofin S.A. RUR — — A3 — — P-2 RESERVE INVEST CYPRUS RUR — — — — B3 — RESONA HOLDINGS, INC. STA — — — A3 — — Asahi Bank, Ltd. STA — — — A2 — — Asahi Finance (Cayman) Ltd. STA — — — A2 — — Kinki Osaka Bank, Ltd. (The) STA A1 D — — — P-1 Resona Bank, Ltd. STA A1 D+ — A2 — P-1 Daiwa Int'l Finance (Cayman) STA — — — A2 — — Daiwa PB Limited STA — — — A2 — — Resona Prf. Gbl Secs (Cayman) STA — — — — — — Resona Trust & Banking Company STA A1 C+ — — — P-1 Saitama Resona Bank, Ltd. STA A1 D (P)A1 A2 — P-1 RINGKJOBING LANDBOBANK A/S STA A1 C+ — — — P-1 RIYAD BANK STA A1 C — — — P-1 RIZAL COMMERCIAL BANK CORP. STA(m) B1 D- Ba3 — — NP RODOVID BANK RUR B3 E+ B3 — — NP ROSDORBANK STA B3 E+ — — — NP ROSEVROBANK STA B1 E+ B1 — — NP ROSPROMBANK STA B3 E+ — — — NP ROSSIYSKIY KREDIT BANK STA Caa1 E — — — NP ROYAL BANK OF CANADA STA Aaa B+ Aaa Aa1 Aaa P-1 RBC Capital Trust STA — — — — — — Royal Bank of Canada (London) STA Aaa — Aaa Aa1 — P-1 Royal Bank of Canada (New York) STA Aaa — — — — — Royal Bank of Canada (Sydney Br) STA — — — — — P-1 Royal Trust Corp. of Canada STA Aaa B+ Aaa — — P-1 GROUP PLC STA — — Aa2 Aa3 — P-1 National Westminster Bank PLC STA Aa1 B Aa1 Aa2 Aa1 P-1 Ulster Bank Limited STA Aa2 C+ — — Aa2 P-1 First Active plc STA Aa2 C Aa2 Aa3 — P-1 First Active Treasury PLC STA — — Aa2 Aa3 — P-1 Ulster Bank Ireland Limited STA Aa2 C+ Aa2 — — P-1 Royal Bank of Scotland plc STA Aa1 B Aa1 Aa2 — P-1 Royal Bank of Scotland, N.Y. STA Aa1 — — — — — Royal Bank of Scotland,Australia STA — — Aa1 Aa2 — P-1 Royal Bank of Scotland, Tokyo Br NOO — — — — — P-1 RUSFINANCE BANK STA Baa2 E+ — — — P-2 RUSS-BANK, OJSC STA B2 E+ — — — NP RUSSIAN AGRICULTURAL BANK POS Baa1 E+ A3 Baa1 — P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 29 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term RUSSIAN BANK FOR DEVELOPMENT RUR Baa2 E+ — — — P-2 RUSSIAN INTERNATIONAL BANK STA B3 E+ — — — NP RUSSIAN STANDARD BANK NEG Ba2 D Ba2 Ba3 — NP RUSSLAVBANK STA B3 E+ — — — NP SAMBA FINANCIAL GROUP STA(m) A1 C+ — — — P-1 SAN-IN GODO BANK, LTD. STA A2 C- — — — P-1 SAUDI BRITISH BANK STA(m) A1 C+ NR — — P-1 SAUDI HOLLANDI BANK STA A1 C- — — — P-1 SAUDI INVESTMENT BANK STA A2 C- — — — P-1 SAVINGS BANK OF UKRAINE STA B2 E+ Ba1 — — NP SB SBERBANK JSC STA Ba2 E+ — — — NP SBERBANK STA(m) Baa1 D+ A2 A2 — P-2 SCARBOROUGH BUILDING SOCIETY RUR A3 C- — Baa2 — P-2 SEB STA Aa2 B- Aa2 Aa3 Aa2 P-1 SEB (NY) STA Aa2 — Aa2 — — — SEB AG NEG A1 C- — — — P-1 SEIMAR ALLIANCE FINANCIAL CORPORATION, JSC RUR — — — — Ba3 NP Alliance Bank RUR Ba2 E+ Ba2 Ba3 — NP SHANGHAI COMMERCIAL BANK STA A2 C+ — — — P-1 SHANGHAI PUDONG DEVELOPMENT BANK STA Ba1 D — — — NP SHENZHEN DEVELOPMENT BANK CO., LTD STA Ba2 D- — — — NP SHINHAN FINANCIAL GROUP CO., LTD. — — — — — — — Shinhan Bank STA(m) A2 C A1 A2 — P-1 Shinhan Bank, New York Branch STA — — — — — P-1 SHINKIN CENTRAL BANK NEG Aa2 C+ Aa2 — — P-1 SHINSEI BANK, LIMITED STA A3 D+ A3 Baa1 — P-2 Shinsei Bank Finance N.V. STA — — — Baa1 — — SHIZUOKA BANK, LTD. STA Aa3 C+ Aa3 — Aa3 P-1 SHOKO CHUKIN BANK, LTD. NEG(m) Aaa D Aaa — — P-1 SIAM CITY BANK PUBLIC COMPANY LIMITED STA Baa2 D — — — P-3 Siam City Bank Public Co Ltd, CI STA — — Baa2 Baa3 — P-3 SIAM COMMERCIAL BANK PUBLIC COMPANY LIMITED STA Baa1 D+ — — — P-2 Siam Commercial Bank (Singapore) STA — — A3 — — — SIAULIU BANKAS, AB NEG Ba2 D — — — NP SINOPAC HOLDINGS STA — — — — Baa2 — Bank Sinopac STA Baa1 D+ — — — P-2 SIX SECURITIES GROUP LTD. — — — — — — — SIX SIS Ltd STA Aa1 B+ — — — P-1 SIX x-clear Ltd STA Aa1 B+ — — — P-1 SKB-BANK STA B2 E+ — — — NP SKIPTON BUILDING SOCIETY STA(m) A2 C+ A2 A3 — P-1 SMFG PREFERRED CAPITAL USD 2 LIMITED STA — — — — — — SMP BANK STA B3 E+ — — — NP SNS REAAL N.V. NEG — — A3 Baa1 — P-2 SNS Bank N.V. NEG A1 C+ A1 A2 — P-1 SOBINBANK POS(m) B3 E+ — — — NP SOCIETE GENERALE STA(m) Aa2 B- Aa2 Aa3 — P-1 BRD - Groupe Societe Generale STA Baa3 D+ — — — P-3 DeltaCredit Bank STA Baa1 D — — — P-2 General Bank of Greece S.A. STA A3 D+ — — — P-1 Komercni Banka a.s. STA(m) A1 C — — — P-1 SG Australia Ltd STA — — Aa2 Aa3 — P-1 SGA Societe Generale Accept. STA — — Aa2 Aa3 — P-1 Societe Generale Australia STA — — Aa2 — — P-1 Societe Generale N. America, Inc STA — — — — — P-1 Societe Generale, NY Branch STA Aa2 — — — — P-1 SOCIETE TUNISIENNE DE BANQUE STA Baa2 E+ — — — P-2 SOLIDARNOST NEG B3 E+ — — — NP SOUTH FINANCIAL GROUP, INC. (THE) — — — — — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 30 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Carolina First Bank NEG(m) Baa1 C- — — Baa1 P-2 SOVCOMBANK STA B3 E+ — — — NP SOVEREIGN BANCORP, INC. RUR — — Baa2 (P)Baa3 — — Independence Community Bank Corp RUR — — Baa2 — — — Independence Community Bank RUR — — — Baa2 — — Sovereign Bank RUR Baa1 C- — Baa2 Baa1 P-2 BANK A/S STA A1 C A1 A2 — P-1 SPAREBANK 1 GRUPPEN AS STA — — — — A3 P-2 SPAREBANK 1 NORD-NORGE NEG Aa3 C+ Aa3 A1 — P-1 SPAREBANK 1 SMN NEG Aa3 C+ Aa3 A1 Aa3 P-1 SPAREBANK 1 SR-BANK NEG Aa3 C+ Aa3 A1 Aa3 P-1 SPAREBANKEN OEST NEG(m) A1 C- — — — P-1 SPAREBANKEN VEST STA A1 C A1 A2 — P-1 SPARKASSE AACHEN STA Aa2 C+ — — — P-1 SPARKASSE KOELNBONN STA Aa2 C Aa2 Aa3 — P-1 SPARKASSE SPREE-NEISSE STA Aa2 C+ — — — P-1 SPARKASSEN-FINANZGRUPPE NOO — B- Aa2 — — — ST. GALLER KANTONALBANK STA Aa1 B- NR — — P-1 ST.GEORGE BANK LIMITED RUR Aa2 B Aa2 Aa3 Aa2 P-1 STADTSPARKASSE DUESSELDORF STA Aa1 C+ — — Aa1 P-1 STANDARD BANK GROUP — — — ———— Standard Bank of South Africa STA(m) Baa1 C+ — — — P-2 Standard International Holdings STA — — — — Baa1 — Standard Bank Plc STA A3 C- A3 Baa1 — P-2 Standard Bank Argentina S.A. STA(m) Caa1 D- — — — NP PLC STA — — A3 Baa1 — NR American Express Bank Ltd. STA — — A2 A3 A2 P-1 Standard Chartered Bank STA A2 C+ A2 A3 — P-1 Bank Permata TBK (P.T.) STA(m) B1 D- — — — NP Stand. Charter. B (Thai) Pblc Co STA Baa1 D+ — — A3 P-2 Standard Chart. 1st Bk Korea Ltd STA A2 D+ A2 A3 — P-1 Standard Chartered Bank (HK) Ltd STA Aa3 B- Aa3 A1 Aa3 P-1 Standard Chartered Bank Malaysia STA A3 C- — — — P-1 Standard Chartered Bank, Tokyo STA — — — — — P-1 STANDARD LIFE PLC STA — — — A3 — — STATE BANK OF INDIA STA Ba2 C- Baa2 Baa2 — NP State Bank of India, London STA — — Baa2 Baa2 — P-3 State Bank of India, Nassau Br STA — — Baa2 Baa2 — — STATE BANK OF MAURITIUS LTD. STA Baa2 C- — — Baa1 P-2 STATE STREET CORPORATION NEG — — Aa3 A1 — P-1 State Street Bank and Trust Co. NEG Aa1 B+ Aa1 Aa2 Aa1 P-1 STOREBRAND GROUP — — — — — — — STROYKREDIT BANK STA B3 E+ — — — NP SUBSIDIARY BANK SBERBANK OF RUSSIA STA B2 E+ Ba2 — — NP SUDOSTROITELNY BANK STA B3 E+ — — — NP SUHYUP BANK STA A2 D- A2 A3 — P-1 SUMITOMO MITSUI FINANCIAL GROUP, INC — — — — — — — SMFG Preferred Capital GBP 1 Ltd STA — — — — — — SMFG Preferred Capital GBP 2 Ltd STA — — — — — — SMFG Preferred Capital JPY 1 Ltd STA — — — — — — SMFG Preferred Capital USD 1 Ltd STA — — — — — — SMFG Preferred Capital USD 3 Ltd STA — — — — — — Sumitomo Mitsui Banking Corp. STA Aa2 C Aa2 Aa3 Aa2 P-1 Kansai Urban Banking Corporation STA Aa2 D (P)Aa2 Aa3 — P-1 Minato Bank, Ltd (The) NEG Aa2 D — — — P-1 SMBC Capital Markets, Inc. STA — — Aa2 — — P-1 SMBC International Finance N.V. STA — — — Aa3 — — Sumitomo Bank, Ltd. STA — — Aa2 Aa3 — — Sumitomo Finance (Asia) Ltd. STA — — Aa2 — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 31 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Sumitomo Mitsui Banking Europe STA Aa2 C — — — P-1 Sumitomo Mitsui Bkg Corp., NY Br STA — — — Aa3 — — Sumitomo Mitsui Fin. Austrl Ltd STA — — Aa2 — — P-1 SUMITOMO TRUST AND BANKING CO., LTD. STA Aa3 C — A1 — P-1 STB Finance Cayman Ltd. STA — — — A1 — — STB Preferred Cap 4(Cayman)Ltd STA — — — — — — Sumitomo Trust & Bnk. Co. (US) STA — — — — Aa3 — SUNCORP CORPORATE CREDIT UNION STA — — — — — P-1 SUNCORP-METWAY LTD. RUR Aa3 B- Aa3 A1 Aa3 P-1 Promina Group Limited RUR — — — — A2 — SUNTRUST BANKS, INC. STA — — A1 A2 A1 P-1 National Commerce Financial Corp STA — — (P)A1 (P)A2 A1 — SURUGA BANK, LTD. STA A3 D+ — — — P-2 SUSQUEHANNA BANCSHARES, INC. NEG — — — Baa2 — — Susquehanna Bank PA NEG A3 C — — A3 P-2 SVB FINANCIAL GROUP STA — — A3 — A3 — Silicon Valley Bank STA A2 C+ A2 A3 A2 P-1 SVENSKA AB STA Aa1 B Aa1 Aa2 Aa1 P-1 Stadshypotek AB STA — — — — — P-1 Stadshypotek Delaware, Inc. STA — — — — — P-1 Svenska Handelsbanken, Inc. STA — — — — — P-1 Svenska Handelsbanken, NY Branch STA Aa1 — — — — — AB NEG Aa3 C+ Aa3 A1 Aa3 P-1 AS Hansapank NEG A1 C- A1 A2 — P-1 Swedbank Invest STA B2 E+ Ba2 — — NP Swedbank Mortgage AB NEG — — Aa3 A1 Aa3 P-1 Swedbank OJSC STA B2 E+ — — — NP SWEDISH EXPORT CREDIT CORPORATION STA — — Aa1 Aa2 Aa1 P-1 SWEDISH HOUSING FINANCE CORPORATION (SBAB) NEG — — A1 A2 A1 P-1 SYDBANK A/S STA Aa3 C+ Aa3 A1 — P-1 SYNDICATE BANK STA Ba2 D+ — — — NP SYNOVUS FINANCIAL CORP. STA — — — Baa1 — — Columbus Bank & Trust Co. STA A2 C+ — — A2 P-1 First Commercial Bank STA A2 C+ — — — P-1 T.C. ZIRAAT BANKASI STA B1 D+ — — — NP TAISHIN FINANCIAL HOLDING COMPANY RUR — — — — Baa3 — Taishin International Bank RUR Baa1 D+ — — Baa1 P-2 TAIWAN COOPERATIVE BANK STA A2 D — — — P-1 TAMWEEL PJSC STA — — — — A3 P-2 TATFONDBANK JOINT-STOCK INVESTMENT COMMERCIAL BANK RUR B2 E+ B2 — — NP TBC BANK NEG B3 D- — — — NP TCF FINANCIAL CORPORATION — — — — — — — TCF National Bank STA A1 B- — A2 A1 P-1 TECHCOMBANK STA(m) B1 D- — — Ba2 NP TECHNIKABANK NEG B2 E+ B2 — — NP TEMIRBANK STA Ba3 E+ — — — NP TMB BANK PUBLIC COMPANY LIMITED STA Baa2 D- — — — P-2 TMB Bank Public Co. Ltd (CI) STA — — — — — — TORONTO-DOMINION BANK (THE) STA Aaa B+ Aaa Aa1 Aaa P-1 TD Banknorth Inc STA — — — — A1 — TD Bank, N.A. STA Aa2 B- — — Aa2 P-1 Northgroup Preferred Capital STA — — — — — — TD Capital Trust III STA — — — Aa2 — — TD North America L.P. STA — — Aaa — — — Toronto Dominion Global Finance STA — — Aaa — — P-1 Toronto-Dominion Bank, NY STA Aaa — Aaa — — — TOYOTA MOTOR CORPORATION STA — — Aaa — Aaa P-1 TRADE AND DEVELOPMENT BANK OF MONGOLIA LLC STA B2 D- Ba2 Ba2 Ba2 NP TRANSCAPITALBANK JSC BANK STA B1 E+ B1 B2 — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 32 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term TRANSCREDITBANK STA Ba1 D- Ba1 — — NP TRASTA KOMERCBANKA STA B2 E+ — — — NP TRUST INVESTMENT BANK STA B1 E+ B1 — — NP TRUSTMARK CORPORATION STA — — — — A3 — Trustmark National Bank STA A2 C+ — A3 A2 P-1 TSESNA BANK STA B1 E+ — — — NP TUMENENERGOBANK RUR Caa2 E — — — NP TURKIYE GARANTI BANKASI AS STA B1 C- — — — NP GarantiBank International N.V. STA A3 C — Baa1 — P-2 TURKIYE IS BANKASI AS STA(m) B1 D+ — — — NP TURKIYE SINAI KALKINMA BANKASI A.S. STA B1 D+ — — — NP TURKIYE VAKIFLAR BANKASI TAO STA B1 D+ — — — NP TURON JOINT-STOCK COMMERCIAL BANK STA B3 E+ — — — NP U.S. BANCORP STA — — Aa2 Aa3 Aa2 P-1 Firstar Realty LLC STA — — — — — — U.S. Bank National Assoc. ND STA Aa1 A- — — Aa1 P-1 U.S. Bank National Association STA Aa1 A- Aa1 Aa2 Aa1 P-1 U.S. Bank Nat. Ass., Canada Br. STA — — — — — P-1 USB Realty Corp. STA— — ———— U.S. CENTRAL FEDERAL CREDIT UNION STA — — Aa1 — — P-1 UBS AG STA Aa2 B- Aa2 Aa3 Aa2 P-1 UBS AG, Australian Branch STA — — Aa2 Aa3 — P-1 UBS AG, Jersey Branch STA — — Aa2 Aa3 — P-1 UBS AG, London Branch STA — — Aa2 Aa3 — P-1 UBS AG, New York Branch STA Aa2 — Aa2 Aa3 — P-1 UBS AG, Stamford Branch STA Aa2 — Aa2 Aa3 — P-2 UBS Americas, Inc. STA — — Aa2 Aa3 Aa2 P-1 UBS DEUTSCHLAND AG STA A2 D+ — — — P-1 UBS Finance (Delaware), LLC. STA — — Aa2 — — P-1 UBS Limited STA — — — — Aa2 P-1 UCBH HOLDINGS, INC. — — — — — — — United Commercial Bank NEG Baa2 C- — — Baa2 P-2 UKREXIMBANK STA B2 D- Ba3 Ba3 — NP UKRGASBANK STA B2 E+ — — — NP UKRGAZPROMBANK STA B3 E+ — — — NP UKRPROMBANK STA B2 E+ — — — NP UMB FINANCIAL CORPORATION STA — — A3 — — — UMB Bank, N.A. STA A2 C+ — — A2 P-1 UNIAO DE BANCOS BRASILEIROS S.A. (UNIBANCO) STA Ba2 B- Baa3 — — NP Uniao de Bancos Brasil., GC Br. STA — — Baa3 Baa3 — — UNIASTRUM BANK RUR B2 E+ — — — NP UNIBANCA S.P.A STA A3 C- A3 Baa1 — P-1 UNIBANK COMMERCIAL BANK POS(m) B2 E+ — — — NP UNICAJA STA Aa3 B- Aa3 A1 — P-1 SPA STA Aa3 C+ Aa3 A1 — P-1 ATF Bank STA(m) Ba1 D- Baa2 Ba1 — NP Bank Polska Kasa Opieki SA NEG(m) A2 C — — — P-1 Bayerische Hypo-und Vereinsbank STA A1 C- A1 A2 A1 P-1 Bayer Hypo-Und Vereinsbk, HK Br STA — — A1 A2 — — Bayerische Hypo-und Bank A.G. STA — — A1 A2 — — HypoVereins Finance N.V. STA — — A2 A2 — P-1 Bayerische Hypo-Und Vereinsbank NEG — — — — — P-1 Bayerische Hypo-und Vereinsbank STA — — — — — P-1 Bayerische Hypo-Ver. Singapore STA — — A1 A2 — P-1 Bayerische Vereinsbank, Paris STA A1 — A1 — — P-1 HVB Banque Luxembourg S.A. STA A3 C- — — A3 P-2 HVB U.S. Finance Inc. STA — — — — — P-1 HypoVereinsbank O/S Fin. N.V. STA — — A1 A2 — P-1 Capitalia S.p.A. NOO — — Aa2 Aa3 — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 33 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Fineco S.p.A. STA — — Aa3 Aa3 — — UniCredit MedioCred Cen S.p.A. POS(m) A2 C — — — P-1 Locat S.p.A. STA — — — — A1 P-1 Ukrsotsbank STA B2 D Ba3 — — NP UniCredit Banca per la Casa STA Aa3 C+ — — — P-1 UniCredit Bank Austria AG STA Aa2 C+ Aa2 Aa3 — P-1 UniCredit Bank Slovakia a.s. STA A2 D+ — — — P-1 UniCredit Luxembourg Finance STA — — Aa3 A1 — P-1 UniCredito Italiano Delaware, Inc STA — — — — — P-1 UniCredit Bank Ireland p.l.c. STA — — Aa3 — — P-1 UniCredito Italiano Spa (Paris) STA Aa3 — — — — P-1 Unicredito Italiano SpA, NY STA Aa3 — — — — — Zagrebacka banka d.d. STA(m) Ba1 D+ A2 — — NP UNION BANK OF INDIA STA Ba2 D+ Baa2 Baa2 — NP Union Bank of India, HK Branch STA — — Baa2 Baa2 — — UNION NATIONAL BANK PJSC STA A1 D+ A1 — — P-1 UNIONE DI BANCHE ITALIANE S.C.P.A. STA(m) A1 C A1 A2 A1 P-1 Banca Lombarda Piemontese SPA NOO — — A1 A2 — — UNIPOL GRUPPO FINANZIARIO S.P.A. STA — — — A3 — — Unipol Banca S.p.A. STA Baa1 D+ — — — P-2 UNITED BANK LTD. RUR B3 D- — — — NP UNITED BANKSHARES, INC. — — — — — — — UNITED COCONUT PLANTERS BANK STA B1 E — — — NP UNITED GULF BANK B.S.C. RUR Baa3 D+ — Ba1 — P-3 UNITED OVERSEAS BANK LIMITED STA Aa1 B — Aa2 — P-1 UOB (Thai) Public Company Ltd STA Baa1 D — — — P-2 URAL BANK FOR RECONSTRUCTION AND DEVELOPMENT RUR B3 E+ — — — NP URSA BANK STA Ba3 D- Ba3 B1 — NP SibAcademFinance plc STA — — Ba3 — — — VAB BANK STA B2 E+ B2 — — NP VALIANT HOLDINGS — — — — — — — Valiant Bank AG STA A1 C+ NR — — P-1 VALLEY NATIONAL BANCORP — — — — — — — Valley National Bank STA A1 B- — A2 A1 P-1 VIETNAM INTERNATIONAL BANK STA(m) B1 D- — — Ba2 NP VNESHECONOMBANK STA(m) Baa1 E+ — — — P-2 VNESHPROMBANK STA B3 E+ — — — NP VOLKSWAGEN AKTIENGESELLSCHAFT POS — — A3 — A3 P-2 Volkswagen Bank GmbH STA A2 C+ A2 A3 — P-1 VOLVOFINANS BANK AB NEG(m) Baa1 C- — — — P-2 VONTOBEL HOLDING AG STA — — — — A2 — VORARLBERGER LANDES- UND HYPOTHEKENBANK AG STA Aa1 C Aa1 Aa2 — P-1 VOSTOCHNY EXPRESS BANK STA B3 E+ B3 — — NP VOTORANTIM PARTICIPACOES S.A. POS(m) — — — — Baa3 — Banco Votorantim S.A. STA Ba2 C- Baa3 — — NP Banco Votorantim S.A. Nassau Br STA — — Baa3 — — P-3 VOZROZHDENIE BANK STA Ba3 D- — — — NP CORPORATION RUR — — A1 A2 — P-1 Golden West Financial Corp. RUR — — A1 — A1 — World Savings Bank, FSB RUR Aa2 B Aa2 — Aa2 P-1 SouthTrust Corporation RUR — — — A2 — — SouthTrust Bank RUR — — — Aa3 — NR Wachovia Bank, N.A. RUR Aa2 B Aa2 Aa3 Aa2 P-1 Wachovia Corporation (Old) RUR — — A1 A2 — — South Carolina National Corp. RUR — — — A2 — — Wachovia Bank, N.A. (Old) RUR — — Aa3 — — P-1 Wachovia Preferred Funding Corp. RUR — — — — — — WASHINGTON MUTUAL, INC. RUR — — Caa2 C — — WEBSTER FINANCIAL CORPORATION STA — — A3 (P)Baa1 A3 — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 34 • Global Bank Ratings - Alphabetic by Ultimate Parent November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Webster Bank N.A. STA A2 C+ — A3 A2 P-1 & COMPANY RUR — — Aa1 Aa2 Aa1 P-1 Wells Fargo Financial, Inc. RUR — — Aa1 Aa2 Aa1 — WEST BROMWICH BUILDING SOCIETY STA A3 C- A3 Baa1 — P-2 WESTERN ALLIANCE BANCORPORATION NEG — — — — Baa3 — Bank of Nevada NEG Baa2 C- — — Baa2 P-2 WESTERN CORPORATE FEDERAL CREDIT UNION STA — — Aa3 — — P-1 WESTFAELISCH-LIPPISCHER SPARKASSEN- UND GIROVERBAN STA — — Aa3 — Aa3 — WESTLB AG NEG(m) A2 E+ A2 A3 — P-1 Hybrid Capital Fund I Ltd Part. NEG — — — — — — Hybrid Capital Funding II LP NEG — — — — — — WestLB AG, New York Branch NEG A2 — A2 Aa1 — P-1 WestLB AG, Sydney Branch NEG — — Aa1 — — P-1 WestLB Covered Bond Bank NEG A2 E+ — — — P-1 WestLB Finance Curacao N.V. NEG — — Aa1 Aa1 — — WESTPAC BANKING CORPORATION STA Aa1 B Aa1 Aa2 Aa1 P-1 Westpac Banking Corp. (NY) STA Aa1 — Aa1 — — P-1 Westpac Banking Corporation, HK STA Aa1 — — Aa2 — P-1 Westpac Capital Corp. STA — — — — — P-1 Westpac Europe Limited STA — — — — Aa1 P-1 Westpac First Trust STA — — — — — — Westpac TPS Trust STA — — — — — — Westpac Trust Capital NZ Limited STA — — — Aa2 — — Westpac Trust Securities NZ Ltd. STA — — Aa1 — — — WestpacTrust Securities NZ STA — — Aa1 — — P-1 WGZ BANK AG WESTDEUTSCHE GENOSSENSCHAFTS-ZENTRALBA STA Aa3 C Aa3 — Aa3 P-1 WGZ Bank Ireland Plc STA A2 C — — — P-1 WHITNEY HOLDING CORPORATION NEG — — — — A3 — Whitney National Bank NEG A2 C+ — A3 A2 P-1 WILMINGTON TRUST CORPORATION STA — — (P)A2 A3 A2 — Wilmington Trust Company STA A1 B- — — A1 P-1 WING HANG BANK, LIMITED STA A2 C+ — A3 — P-1 WING LUNG BANK LIMITED STA A2 C+ — — — P-1 WOORI BANK STA(m) A2 C A1 A2 — P-1 WOORI FINANCE HOLDINGS CO., LTD. STA — — — — A2 — Woori Investment & Sec Co., Ltd. NEG — — — — Baa1 P-2 XACBANK LLC STA B2 D — — Ba2 NP YORKSHIRE BUILDING SOCIETY NEG A2 C A2 A3 — P-1 ZENIT BANK STA Ba3 D- Ba3 — — NP ZIONS BANCORPORATION RUR — — A3 Baa1 — P-2 Amegy Corporation RUR — — — — A3 — Amegy Bank National Assoc. RUR A2 C+ — — A2 P-1 California Bank & Trust RUR A2 C+ — — A2 P-1 Nevada State Bank RUR A2 C+ — — A2 P-1 Zions First National Bank RUR A2 C+ — — A2 P-1 ZUERCHER KANTONALBANK STA Aaa C+ Aaa — — P-1 ZURICH FINANCIAL SERVICES GROUP — — — — — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obliga- tions; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 35 • Global Bank Ratings by Country November 17, 2008

[1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

ANDORRA Banc Internacional D'Andorra S.A STA A2 C+ — — — P-1 ARGENTINA ABN AMRO Bank N.V. (Argentina) STA Caa1 — — — — NP Banco Cetelem Argentina S.A. STA Caa1 D- — — — NP Banco Ciudad de Buenos Aires STA Caa1 D — — — NP Banco Columbia S.A. STA Caa1 E+ — — — NP Banco Comafi S.A. STA Caa1 D- Ba2 — — NP Banco Credicoop Cooperativo STA Caa1 D — — — NP Banco de Santiago del Estero STA Caa1 D- — — — NP Banco de Valores S.A. STA Caa1 D+ — — — NP Banco del Tucuman S.A. STA Caa1 D — — — NP Banco Finansur S.A. STA Caa1 E+ — — — NP Banco Hipotecario S.A. STA Caa1 D Ba1 — — NP Banco Itau Argentina S.A. STA Caa1 D — — — NP Banco Macro S.A. STA Caa1 D B2 B2 — NP Banco Patagonia S.A. STA Caa1 D — B2 — NP Banco Piano S.A. STA Caa1 D- — — — NP Banco Santander Rio S.A. STA Caa1 D+ Ba1 — — NP Banco Supervielle S.A. STA Caa1 D- — — — NP BNP Paribas (Argentina) STA Caa1 — — — — NP HSBC Bank Argentina S.A. STA Caa1 D+ (P)Ba1 — — NP MBA Banco de Inversiones S.A. STA Caa1 D- — — — NP Nuevo Banco Bisel S.A. STA Caa1 D — — — NP Nuevo Banco de La Rioja S.A. STA Caa1 D- — — — NP Nuevo Banco Industrial de Azul STA Caa1 E+ — — — NP PSA Finance Argentina Comp.Fin. STA Caa1 E+ Ba3 — — NP RCI Banque Sucursal Argentina RUR — — — — Ba1 — Standard Bank Argentina S.A. STA(m) Caa1 D- — — — NP Toyota Comp. Financ.de Argentina STA Caa1 E+ — — — NP ARMENIA ACBA - Credit Agricole STA Ba3 D- — — — NP Anelik Bank CJSCo. NEG Ba3 D- — — — NP Ardshininvestbank CJSC STA Ba3 D- — — — NP Armeconombank (Armenian EDBank) NEG Ba3 D- — — — NP AUSTRALIA ABN AMRO Bank N.V., Australian B STA — — Aa2 — — P-1 Adelaide Bank Limited STA A2 C- A2 NR A2 P-1 AMP Bank Limited STA A2 D+ A2 A3 A2 P-1 Arab Bank Australia Limited STA A3 D+ A3 Baa1 A3 NR Australia and NZ Banking Group STA Aa1 B Aa1 Aa2 Aa1 P-1 BA Australia Ltd. STA — — Aaa — — P-1 Bank of America, N.A.(Sydney Br) STA — — — — — P-1 Bank of Queensland Limited STA A2 C NR A3 A2 NR Bank of Western Australia Ltd RUR Aa3 C Aa3 A1 Aa3 P-1 Barclays Bank PLC, Australia Br. NOO — — — — — P-1 Bendigo and Adelaide Bank STA A2 C A2 NR A2 P-1 Bk of Tokyo-Mitsubishi UFJ, Ltd. NEG Aa2 — — — — P-1 BOS International (Australia) RUR — — Aa1 — — — BOS plc, Australia Branch RUR Aa1 — Aa1 — — P-1 Chase Manhattan Bank, Sydney Br. NEG — — Aaa — — — Citibank, N.A. (Sydney Branch) RUR — — Aa1 — — P-1 Citigroup Pty Limited RUR Aa3 C+ Aa3 — — P-1 Commonwealth Bank of Australia STA Aa1 B Aa1 Aa2 Aa1 P-1 Dai-Ichi Kangyo Australia Ltd. STA — — Aa2 — — — Deutsche Australia Limited STA — — Aa1 — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 36 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Deutsche Bank AG, Sydney Branch STA Aa1 — Aa1 Aa2 — P-1 HBOS Treasury Services, Sydney NOO — — Aa2 — — — Heritage Building Society STA A3 C A3 Baa1 A3 P-2 Hongkong & Shanghai Bkg.(Sydney) STA Aa2 — Aa1 NR Aa1 P-1 HSBC Bank Australia Ltd STA Aa3 C- Aa3 A1 Aa3 P-1 HSBC Bank Plc Sydney Branch STA Aa1 — — — — P-1 ING Bank (Australia) Ltd. STA Aa3 C+ Aa2 — Aa3 P-1 Investec Bank (Australia) Ltd STA Baa1 C- Baa1 Baa2 Baa1 P-1 Lease Plan Australia Limited RUR — — A3 — — P-2 Macquarie Bank Limited NEG A1 C+ A1 A2 A1 P-1 Macquarie Financial Holdings Ltd NEG — — — — A2 P-1 Macquarie Group Limited NEG — — A2 A3 A2 P-1 Mizuho Corporate Bank,Ltd,Sydney NEG — — Aa2 — — P-1 National Australia Bank Ltd. NEG Aa1 B Aa1 Aa2 Aa1 P-1 Newcastle Perm. Building Society NEG A2 C+ — — A2 P-1 Rabobank Australia Limited STA Aaa — Aaa — — P-1 Rabobank Nederland, Australia Br STA — — Aaa Aa1 — P-1 Royal Bank of Canada (Sydney Br) STA — — — — — P-1 Royal Bank of Scotland,Australia STA — — Aa1 Aa2 — P-1 St.George Bank Limited RUR Aa2 B Aa2 Aa3 Aa2 P-1 Sumitomo Mitsui Fin. Austrl Ltd STA — — Aa2 — — P-1 Suncorp-Metway Ltd. RUR Aa3 B- Aa3 A1 Aa3 P-1 UBS AG, Australian Branch STA — — Aa2 Aa3 — P-1 WestLB AG, Sydney Branch NEG — — Aa1 — — P-1 Westpac Banking Corporation STA Aa1 B Aa1 Aa2 Aa1 P-1 AUSTRIA BAWAG P.S.K. STA Baa1 D Baa1 Baa2 — P-2 Creditanstalt AG STA — — Aa2 Aa3 — — Dexia Kommunalkredit Bank RUR — C- A2 A3 — P-1 Erste Group Bank AG STA Aa3 C Aa3 A1 — P-1 GiroCredit Bank AG Der Spark. STA — — Aa3 A1 — — Hypo Alpe-Adria-Bank Int'l AG RUR A2 D- A2 A3 A2 P-1 Hypo Tirol Bank AG STA Aa1 C Aa1 Aa2 — P-1 Intermarket Bank AG STA A2 C — — — P-1 Investkredit Bank AG STA A1 C A1 A2 — P-1 Kommunalkredit Austria AG RUR Aa3 C- Aa3 A1 — P-1 Oesterreichische Kontrollbank AG STA Aaa — Aaa — — P-1 Oesterreichische Postsparkasse STA — — Aaa — — — Oesterreichische Volksbanken AG STA Aa3 C Aa3 A1 Aa3 P-1 Pfand. der Oester. Landes-Hyp. STA — — Aaa Aaa — P-1 Raiffeisen Zentralbank Oest. STA Aa2 C NR Aa3 Aa2 P-1 Raiffeisenlandesbank Oberoest.AG STA Aa3 C — NR Aa3 P-1 Raifflndsbnk Niederoesterreich STA Aa3 C — — Aa3 P-1 UniCredit Bank Austria AG STA Aa2 C+ Aa2 Aa3 — P-1 Vorarlberger Land-und Hypobk AG STA Aa1 C Aa1 Aa2 — P-1 VTB Bank (Austria) AG STA Baa2 D — — — P-2 AZERBAIJAN Bank Standard STA B1 E+ — — — NP Int'l Bank of Azerbaijan STA(m) Ba2 E+ — Baa3 — NP JS Commerrcial Bank Respublika POS(m) B2 E+ — — — NP Kapital Bank OJSC STA B1 E+ — — — NP Technikabank NEG B2 E+ B2 — — NP UniBank Commercial Bank POS(m) B2 E+ — — — NP BAHAMAS Banco Itau BBA (Nassau Branch) STA — — Baa3 — — — Banco Votorantim S.A. Nassau Br STA — — Baa3 — — P-3 Credit Suisse (Nassau) Branch STA — — Aa1 Aa2 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 37 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term HSBC Markets (Bahamas) Limited STA — — Aa1 Aa2 — P-1 State Bank of India, Nassau Br STA — — Baa2 Baa2 — — BAHRAIN BankMuscat International B.S.C. STA Baa2 D+ — — — P-2 BBK B.S.C. STA A2 C- A2 A3 — P-1 ICICI Bank, Bahrain Branch STA — — Baa2 Baa2 — — National Bank of Bahrain BSC STA A2 C- — — — P-1 BAHRAIN - OFF SHORE Arab Banking Corporation B.S.C. STA(m) A3 C- — — — P-2 Gulf International Bank BSC NEG A2 C- — A3 — P-1 Investcorp Bank B.S.C. RUR Baa3 D+ — — — P-3 United Gulf Bank B.S.C. RUR Baa3 D+ — Ba1 — P-3 BELARUS Bank Moscow-Minsk STA B2 E+ — — — NP Belagroprombank JSC STA B2 E+ — — — NP Belarusbank JSSB STA B2 E+ — — — NP Belinvestbank STA B2 E+ — — — NP Belpromstroibank STA B2 E+ — — — NP BELGIUM Dexia Bank Belgium RUR Aa3 C- Aa3 A1 — P-1 Fortis Bank S.A./N.V. RUR A1 C- A1 A2 — P-1 Fortis SA/NV RUR — — — — Baa2 — ING Belgium SA/NV STA Aa2 B- — — — P-1 KBC Bank N.V. NEG Aa2 B- Aa2 Aa3 — P-1 BERMUDA Bank of N.T. Butterfield & Son Ltd.(The) STA Aa3 C — A1 Aa3 P-1 Bermuda Commercial Bank Limited STA Baa3 D+ — — Baa3 P-3 BOLIVIA Banco BISA S.A. STA Caa1 D- — — — NP Banco de la Nacion Argentina STA Caa1 — — — — NP Banco Economico S.A. (Bolivia) STA Caa1 E+ — — — NP Banco Ganadero S.A. STA Caa1 E+ — — — NP Banco Mercantil Santa Cruz S.A. STA Caa1 D — — — NP Banco Nacional de Bolivia S.A. STA Caa1 D- — B2 — NP Banco Solidario S.A. (Bolivia) STA Caa1 D — — — NP Fondo Financiero Privado Fassil STA Caa1 E+ — — — NP BRAZIL Banco ABC Brasil S.A. NEG(m) Ba2 D+ — — — NP Banco ABN AMRO Real S.A. STA Ba2 C — — — NP Banco BBM S.A. STA Ba2 D+ — — — NP Banco BGN S.A. STA Ba2 D- — — — NP Banco BMG S.A. NEG(m) Ba2 D+ Ba1 — — NP Banco Bonsucesso S.A. RUR Ba2 D — — — NP Banco Bradesco S.A. STA Ba2 B- Baa3 — — NP Banco BVA S.A. STA B2 E+ — — — NP Banco Citibank S.A. STA Ba2 C- Baa3 — — NP Banco Cruzeiro do Sul S.A. RUR Ba2 D+ Ba1 Ba2 — NP Banco do Brasil S.A. STA Ba2 C Baa3 — — NP Banco Fibra S.A. POS(m) Ba2 D — — — NP Banco GMAC S.A. RUR B3 E+ — — — NP Banco Ibi S.A. - Banco Multiplo RUR Ba3 D- — — — NP Banco Industrial do Brasil S.A. STA Ba3 D- — — — NP Banco Industrial e Comercial SA STA Ba2 D+ Ba1 Ba2 — NP Banco Itau BBA S.A. STA Ba2 B- Baa3 — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 38 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Banco Itau S.A. STA Ba2 B- — — — NP Banco Mercantil do Brasil S.A. STA Ba2 D Ba2 Ba3 — NP Banco Modal S.A. STA Ba3 D- — — — NP Banco Nac. Desenv. Econ. Soc. STA Ba2 — Baa3 — A1 NP Banco Nossa Caixa S.A. STA Ba2 D+ — — — NP Banco PanAmericano S.A. STA Ba2 D Ba2 Ba3 — NP Banco Paulista S.A. STA B1 E+ — — — NP Banco Pine S.A. STA Ba2 D — — — NP Banco Prosper S.A. NEG(m) B1 E+ — — — NP Banco Ribeirao Preto S.A. (BRP) STA Ba2 D — — — NP Banco Safra S.A. STA Ba2 C- — — — NP Banco Santander S.A. (Brazil) POS(m) Ba2 C- — — — NP Banco Schahin S.A. STA Ba3 D- Ba3 B1 — NP Banco Sofisa S.A. STA Ba2 D+ Ba1 — — NP Banco Votorantim S.A. STA Ba2 C- Baa3 — — NP Banif - Bnc. Inter. do Funchal STA Ba2 D- — — — NP Banif Banco de Inv (Brasil) SA STA Ba2 D- — — — NP BES Investimento do Brasil S.A. STA Ba2 D+ — — — NP BFB Leasing S.A., Arrend.Merc. STA — — — A2 A1 — BNDES Participacoes SA-BNDESPAR STA — — A1 A2 A1 — Caixa Economica Federal (CAIXA) STA Ba2 D+ — — — NP HSBC Bank Brasil-Banco Multiplo STA Ba2 C — — — NP ING Bank N.V. - Sao Paulo STA Ba2 — — — — NP ItauBank Leasing S.A. STA — — — A2 A1 — Uniao de Bancos Brasileiros S.A. STA Ba2 B- Baa3 — — NP BULGARIA BNP Paribas Personal Finance EAD POS — — Ba3 — Ba3 NP Commercial Bank Investbank AD STA B2 E+ — — — NP Corporate Commercial Bank AD STA Ba3 D- — — — NP DSK Bank PLC STA Baa3 D+ — — — P-3 First Investment Bank AD STA Ba1 D — — — NP International Asset Bank AD POS B1 E+ — — — NP MKB Unionbank AD STA Ba1 D- — — — NP Piraeus Bank Bulgaria AD STA Baa3 D- — — — P-3 Raiffeisenbank (Bulgaria) EAD STA Baa3 D+ — — — P-3 CAMBODIA ACLEDA Bank Plc STA B3 D — — B1 NP Cambodian Public Bank STA B3 D+ — — B1 NP CANADA Bank of Montreal STA Aa1 B Aa1 Aa2 — P-1 Bank of Nova Scotia STA Aa1 B Aa1 Aa1 Aa1 P-1 Barclays Bank of Canada NOO — — — — — P-1 BMO Subordinated Notes Trust STA — — — Aa2 — — BNP Paribas Canada STA — — — — — P-1 Caisse Centrale Desjardins STA Aa1 C+ Aa1 Aa2 — P-1 Canada Housing Trust No.1 STA — — Aaa — — — Canadian Imperial Bank Commerce NEG Aa2 B- Aa2 Aa3 — P-1 Capital Desjardins Inc. STA — — Aa2 — — — CIBC Mellon Trust Company STA — B- — — Aa2 — FB Funding STA — — — — — P-1 ING Bank of Canada STA — C — Aa3 — P-1 J.P. Morgan Bank Canada NEG Aaa — — — — P-1 JPMorgan Chase Bank, N.A. NEG Aaa — — — — P-1 Montreal Trust Company of Canada STA Aa1 B — — — P-1 National Bank of Canada STA Aa2 B- Aa2 Aa3 Aa2 P-1 Royal Bank of Canada STA Aaa B+ Aaa Aa1 Aaa P-1 Royal Trust Corp. of Canada STA Aaa B+ Aaa — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 39 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Societe Generale (Canada) STA — — Aa2 — — — Sumitomo Mitsui Bkg Co.of Canada STA — — — — — P-1 TD Capital Trust III STA — — — Aa2 — — Toronto-Dominion Bank (The) STA Aaa B+ Aaa Aa1 Aaa P-1 U.S. Bank Nat. Ass., Canada Br. STA — — — — — P-1 CAYMAN ISLANDS ADCB Finance (Cayman) Limited STA — — Aa3 A1 — NR ADIB Sukuk Company Ltd. STA — — A2 A3 — — Banco BPI Cayman Ltd STA — — A1 A2 — P-1 Banco BPI S.A. (Cayman) STA — — A1 A2 — P-1 Banco Do Brasil S.A. (Cayman) STA — — Baa3 Baa3 — P-3 Banco Espirito Santo, SA, CI STA — — — A1 — P-1 Banco Industrial e Comercial STA — — Ba1 — — — Banco Itau S.A. (Cayman Isls) STA Ba2 — Baa3 — — — Banco Mercantil del NorteSA(CI) STA — — — A3 — — Bank Danamon Indonesia (CI) STA(m) — — — Ba2 — — Bank Internasional Indo. (CI) STA — — — Ba2 — — Bank Mandiri Persero (PT),Cayman STA — — Ba2 Ba2 — — BBVA Bancomer, S.A. Grand Cayman STA — — — A1 — — BCL International Finance Ltd. STA — — Aa1 — — — BCP Finance Bank, Ltd. STA — — Aa3 A1 — P-1 BCP Finance Company STA — — — (P)A1 — — BES Finance Ltd. STA — — Aa3 A1 — P-1 BPN - Cayman, Limited RUR — — Baa3 Ba1 — P-3 Caixa Catalunya Int'l Fin. Ltd. NEG — — A2 — — — Caixa Econom. Montepio Geral, CI STA — — A2 A3 — P-1 Caixa Geral de Depositos Finance STA — — Aa1 Aa2 — P-1 Caixa Preference Limited STA — — — — — — Caja Laboral Finance Ltd. STA — — A1 — — — CKWH-UT2 Limited STA — — — Baa3 — — Crediop Overseas Bank Ltd. RUR — — A1 A2 — P-1 Daiwa PB Limited STA — — — A2 — — DB Sukuk Company Ltd. POS — — A3 — — P-2 DBS Capital Funding Corporation NOO — — — — — — Dexia Overseas Limited RUR — — Aa3 A1 — — DZ Bank AG, Cayman Islands STA — — — — — P-1 EFG Hellas (Cayman Islands) Ltd STA — — Aa3 A1 — P-1 EIB Sukuk Company Ltd. STA — — A1 — — — Fortis Bank, Cayman Islands RUR — — A1 A2 — — HSBC Mexico, S.A. Cayman Islands STA — — A1 — — P-1 HSH N Funding II STA — — — A1 — — Investcorp Capital Limited RUR — — Baa3 — — — KASIKORNBANK Public Co.Ltd (CI) STA — — — Baa1 — — KBC Financial Prod. Int'l VI Ltd NEG — — Aa2 — — — KBC Financial Products Int'l Ltd NEG — — Aa2 — — P-1 Mizuho Corporate Bnk,Ltd(Cayman) NEG — — — — — P-1 Mizuho Financial Group (Cayman) NEG — — — Aa3 — — Nacional Financiera (Cayman) STA — — A1 — — P-1 Siam City Bank Public Co Ltd, CI STA — — Baa2 Baa3 — P-3 STB Finance Cayman Ltd. STA — — — A1 — — Tamweel Sukuk Limited STA — — A3 — — — Yokohama Finance Cayman Ltd. STA — — — A2 — — CAYMAN ISLANDS - OFF SHORE Banco Bradesco SA, Grand Cayman STA — — Baa3 Baa3 — — Banco Santander S.A. - Cayman STA — — — Baa3 — — Uniao de Bancos Brasil., GC Br. STA — — Baa3 Baa3 — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 40 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

CHANNEL ISLANDS Credit Suisse Grp Fin (Guernsey) STA — — Aa2 Aa3 — P-1 CHILE Banco de Chile STA A2 B- — — — P-1 Banco de Credito e Inversiones STA A2 C+ — — — P-1 Banco del Estado de Chile STA A2 C+ — — — P-1 Banco Santander-Chile STA A2 B- Aa3 Aa3 — P-1 Central Bank of Chile STA — — A1 — — — CHINA Agricult. Develop. Bank of China STA — — — — A1 P-1 Agricultural Bank of China STA(m) A1 E — — — P-1 Bank of China Limited STA A1 D- A1 — — P-1 Bank of Communications STA Baa1 D — — — P-2 China CITIC Bank STA Baa2 D — — — P-2 China Construction Bank Corp STA(m) A1 D- — — — P-1 China Development Bank STA — — A1 — — — China Everbright Bank STA Ba1 D- — — — NP China Merchants Bank STA Baa3 D+ — — — P-3 Export-Import Bank of China STA — — A1 — — — Guangdong Development Bank STA Ba2 D- — — — NP Hang Seng Bank (China) Limited STA A1 D — — A1 P-1 HSBC Bank (China) Company STA A1 D — — — P-1 Industrial&Commerc.Bank of China STA(m) A1 D- — — — P-1 JPMorgan Chase Bk China Co Ltd NEG Aaa — — Aa1 — P-1 Shanghai Pudong Dev. Bank STA Ba1 D — — — NP Shenzhen Development Bank Co. Ltd STA Ba2 D- — — — NP COLOMBIA Banco de Bogota STA Ba2 C- — — — NP Bancolombia S.A. POS(m) Ba2 D — Baa3 — NP CROATIA Croatian Bank for Recon. & Dev. POS — — A1 — A1 — Zagrebacka banka d.d. STA(m) Ba1 D+ A2 — — NP CYPRUS Alfa MTN Invest Ltd STA — — Ba1 — — — Alfa MTN Issuance Limited STA — — Ba1 — — NP Alfa MTN Markets Limited STA — — Ba1 — — NP Alfa MTN Projects Limited STA — — Ba1 — — — Bank of Cyprus Public Co. Ltd STA A2 C- A2 A3 — P-1 Hellenic Bank Public Company Ltd STA Baa2 D+ — — — P-2 Kommunalkredit Int. Bank Ltd RUR — C- A1 — A1 P-1 Marfin Popular Bk Public Co. Ltd STA A3 C- A3 Baa1 — P-1 CZECH REPUBLIC Ceska Sporitelna, a.s. STA(m) A1 C — — — P-1 Ceskoslovenska Obchodni Banka NEG(m) A1 C — — — P-1 Czech Export Bank, a.s. POS — — Aa1 — Aa1 P-1 J & T Banka, a. s. STA B2 E+ — — — NP Komercni Banka a.s. STA(m) A1 C — — — P-1 DENMARK Amagerbanken A/S NEG A3 C- — — — P-2 BRFkredit a/s STA — — — — A2 — Danmarks Skibskredit A/S STA — — Aa3 — Aa3 — Danske Bank A/S RUR Aa1 B Aa1 Aa2 Aa1 P-1 DLR Kredit A/S STA — — — A2 A1 — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 41 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term FIH Erhvervsbank A/S RUR A2 C A2 A3 — P-1 Fionia Bank A/S NEG A3 C- A3 Baa1 — P-2 Foroya Banki P/F STA A3 C- — — — P-2 Jyske Bank A/S NEG Aa2 B- Aa2 Aa3 — P-1 Nordea Bank Danmark A/S STA Aa1 B- Aa1 Aa2 Aa1 P-1 Nykredit Bank A/S STA Aa3 C+ Aa3 A1 — P-1 Nykredit Realkredit A/S STA — — — A1 Aa3 P-1 Ringkjobing Landbobank A/s STA A1 C+ — — — P-1 Spar Nord Bank A/S STA A1 C A1 A2 — P-1 Sydbank A/S STA Aa3 C+ Aa3 A1 — P-1 EGYPT Bank of Alexandria SAE STA(m) Ba2 D- — — — NP Banque du Caire SAE STA(m) Ba2 D- — — — NP Banque Misr SAE STA(m) Ba2 D- — — — NP Commercial Intl. Bank (Egypt)SAE STA(m) Ba2 C- — — — NP National Bank of Egypt SAE STA(m) Ba2 D — — — NP EL SALVADOR Banco Multisectorial STA — — — — Baa3 — ESTONIA AS Hansapank NEG A1 C- A1 A2 — P-1 Balti Investeer Grupi Pank AS NEG(m) B1 E+ — — — NP FINLAND Aktia Bank p.l.c. STA A1 C — — — P-1 Leonia Corporate Bank plc RUR — — Aa1 — — — Nordea Bank Finland Plc STA Aa1 B Aa1 Aa2 Aa1 P-1 OP-Pohjola Group STA — B — — — — Pohjola Bank plc STA Aa1 C+ Aa1 Aa2 Aa1 P-1 Sampo Bank plc RUR Aa1 B- Aa1 Aa2 Aa1 P-1 FRANCE Abbey Natl Treas Svc (Paris) STA — — Aa3 — — P-1 ABN AMRO Bank N.V., Paris STA Aa2 — — — — P-1 Agence Francaise de Dvlopmnt. STA — — Aaa — — — Banca Naz. del Lavoro, Paris STA Aa2 — — — — P-1 Banque de l'Economie-Comm. Mon. STA Aa3 — — — — P-1 Banque Fed. du Credit Mutuel STA Aa3 C Aa3 A1 — P-1 Banque Federale des Banque Pop. STA Aa3 C+ Aa3 A1 Aa3 P-1 Banque Monetaire et Financiere STA Aa3 — — — — P-1 Banque Palatine RUR Aa3 C- — — — P-1 Banque Paribas NOO — — Aa1 Aa2 — — Banque Pop. Bourgogne Fr.-Comte STA Aa3 — — — — P-1 Banque Pop. de l'Ouest STA Aa3 — Aa3 — — P-1 Banque Populaire Atlantique STA Aa3 — Aa3 — — P-1 Banque Populaire Cote d'Azur STA Aa3 — — — — — Banque Populaire d'Alsace STA Aa3 — — — — P-1 Banque Populaire du Massif Centr STA Aa3 — Aa3 — — P-1 Banque Populaire du Nord STA Aa3 — Aa3 — — P-1 Banque Populaire du Sud Ouest STA Aa3 — Aa3 — — P-1 Banque Populaire Lorraine Champ. STA Aa3 — Aa3 — — P-1 Banque Populaire Rives de Paris STA Aa3 — Aa3 — — P-1 Banque Populaire Toulouse-Pyrene STA Aa3 — — — — P-1 Banque Populaire Val de France STA Aa3 — Aa3 — — P-1 Banque PSA Finance RUR A3 C A3 Baa1 — P-2 Barclays Bank PLC, Paris RUR Aa1 — — — — P-1 Bayerische Hypo-Und Vereinsbank NEG — — — — — P-1 Bayerische Landesbank, Paris STA Aaa — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 42 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Bayerische Vereinsbank, Paris STA A1 — A1 — — P-1 BNP Paribas STA Aa1 B Aa1 Aa2 Aa1 P-1 BRED-Banque Populaire STA Aa3 — — — — P-1 Caisse Autonome de Refin. STA — — Aaa — — — Caisse C'ale du Credit Immo STA A1 C A1 A2 A1 P-1 Caisse de Refncmnt. de l'Habitat STA — — Aaa — — — Caisse Des Depots et Consignat. STA Aaa — Aaa — Aaa P-1 Caixa Geral de Depositos (Paris) STA Aa1 — Aa1 Aa2 — P-1 CALYON RUR Aa1 C Aa1 Aa2 — P-1 CASDEN - Banque Populaire STA Aa3 — Aa3 — — P-1 CDC Ixis NOO — — Aaa A1 — — Chase Manhattan Bank, Paris Br. NEG Aaa — — — — P-1 CNCE STA(m) Aa3 C+ Aa3 A1 — P-1 Commerzbank AG, Paris Brch. STA Aa3 — — — — P-1 Compagnie Bancaire — — — Aa1 — — — CRCAM Alsace Vosges RUR Aa1 — Aa1 — — P-1 CRCAM Anjou-et du Maine RUR Aa1 — Aa1 — — P-1 CRCAM Aquitaine RUR Aa1 — — — — P-1 CRCAM Atlantique Vendee RUR Aa1 — Aa1 — — P-1 CRCAM Brie Picardie RUR Aa1 — Aa1 — — P-1 CRCAM Centre Est RUR Aa1 — Aa1 — — P-1 CRCAM Centre France RUR Aa1 — — — — P-1 CRCAM Centre Loire RUR Aa1 — Aa1 — — P-1 CRCAM Cotes d'Armor RUR Aa1 — Aa1 — — P-1 CRCAM d'Alpes Provence RUR Aa1 — Aa1 — — P-1 CRCAM de Charente-Maritime Dx RUR Aa1 — Aa1 — — P-1 CRCAM de Charente-Perigord RUR Aa1 — Aa1 — — P-1 CRCAM de la Reunion RUR Aa1 — Aa1 — — P-1 CRCAM de la Touraine et Poitou RUR Aa1 — Aa1 — — — CRCAM de Normandie RUR Aa1 — Aa1 — — P-1 CRCAM de Sud-Mediterranee RUR Aa1 — Aa1 — — P-1 CRCAM Finistere RUR Aa1 — Aa1 — — P-1 CRCAM Franche Comte RUR Aa1 — Aa1 — — P-1 CRCAM Ile-et-vilaine RUR Aa1 — — — — P-1 CRCAM Lorraine RUR Aa1 — Aa1 — — P-1 CRCAM Morbihan RUR Aa1 — Aa1 — — P-1 CRCAM Nord de France RUR Aa1 — Aa1 — — P-1 CRCAM Nord Est RUR Aa1 — — — — P-1 CRCAM Normandie Seine RUR Aa1 — — — — P-1 CRCAM Paris et Ile-de-France RUR Aa1 — — — — P-1 CRCAM Provence Cote d'Azur RUR Aa1 — Aa1 — — P-1 CRCAM Pyrenees Gascogne RUR Aa1 — — — — P-1 CRCAM Sud Rhone Alpes RUR Aa1 — — — — P-1 CRCAM Toulouse/Midi Toulousain RUR Aa1 — — — — P-1 Credit Agricole S.A. RUR Aa1 B Aa1 Aa2 Aa1 P-1 Credit Cooperatif STA Aa3 — Aa3 — — P-1 Credit Foncier de France STA Aa3 C — — — P-1 Credit Industriel et Commercial STA(m) Aa3 C- Aa3 A1 — P-1 Credit Logement STA — — — Aa3 Aa2 — Deutsche Bank AG, Paris Brch. STA Aa1 — — — — P-1 Dexia Credit Local RUR Aa3 C- Aa3 A1 Aa3 P-1 Entenial NOO — — Aa3 A1 — — Exane S.A. STA — — — — A3 — HSBC France STA Aa3 C+ Aa3 A1 — P-1 ING Bank, Paris Branch STA Aa2 — — — — P-1 IXIS Corporate and Invest. Bank NOO — — Aaa Aaa — — LaSer Cofinoga STA Aa3 C+ Aa3 A1 — P-1 Le Credit Lyonnais S.A. RUR Aa1 B- Aa1 Aa2 Aa1 P-1 Locindus S.A. RUR Aa3 C — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 43 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Mizuho Corporate Bank,Ltd, Paris NEG Aa2 — — — — P-1 Natexis Banque S.A. STA — — Aa3 A1 — — Natixis STA(m) Aa3 C Aa3 A1 Aa3 P-1 Natixis Commercial Paper Corp. STA — — — — — P-1 Oddo & Cie NEG Baa2 C- Baa2 Baa3 Baa2 P-3 OSEO Financement STA — — Aaa — — — Rabobank Nederland, Paris Branch STA — — — — — P-1 RCI Banque RUR A3 C A3 Baa1 — P-2 SG Option Europe STA — — Aa2 Aa3 — P-1 Societe Generale STA(m) Aa2 B- Aa2 Aa3 — P-1 Sofira SNC STA — — — — — P-2 UniCredito Italiano Spa (Paris) STA Aa3 — — — — P-1 VTB Bank (France) SA STA Baa2 D — — — P-2 GEORGIA Bank of Georgia NEG(m) B3 D- Ba2 — — NP TBC Bank NEG B3 D- — — — NP GERMANY Bausparkasse Mainz AG STA A3 C- — — — P-2 Bayerische Hypo-und Bank A.G. STA — — A1 A2 — — Bayerische Hypo-und Vereinsbank STA A1 C- A1 A2 A1 P-1 Bayerische Landesbank NEG(m) Aa2 C- Aa2 Aa3 Aa2 P-1 Bremer Landesbank Kred. Old. STA Aa2 C Aa2 Aa3 Aa2 P-1 Citigroup Global Mkts Deutsch. RUR Aa3 B — — — P-1 Commerzbank AG STA Aa3 C Aa3 A1 Aa3 P-1 DekaBank Deutsche Girozentrale STA Aa2 C Aa2 Aa3 — P-1 DEPFA Deutsche Pfandbriefbank AG RUR A2 D+ A2 A3 A2 P-1 Deutsche Apotheker-und Aerztebk. STA A2 C A2 A3 — P-1 Deutsche Ausgleichsbank NOO — — Aaa — — P-1 Deutsche Bank AG STA Aa1 B Aa1 Aa2 Aa1 P-1 Deutsche Hypothekenbank AG STA Aa3 C- Aa3 A1 — P-1 Deutsche Postbank AG STA Aa2 C+ Aa2 Aa3 — P-1 Deutsche Schiffsbank AG STA A2 C+ NR — A2 P-1 Deutsche Siedlungs- und Landesr. STA — — Aaa Aaa — — Dresdner Bank AG STA(m) Aa3 C Aa3 A1 Aa3 P-1 DVB Bank AG STA A1 C A1 A2 — P-1 DZ BANK AG Deutsche Zentral-Gen. STA Aa3 C- Aa3 A1 — P-1 Eurohypo AG RUR A1 C A1 A2 A1 P-1 Eurohypo AG NOO — — A1 A2 — — Hamburger Sparkasse AG — — — NR — — — Hamburgische Landesbank GZ STA — — Aa1 Aa1 — — Honda Bank GmbH STA — — — — — P-1 HSH Nordbank AG STA(m) Aa2 C Aa2 Aa3 — P-1 Hypo Real Estate Bank AG RUR A2 C- A2 A3 — P-1 Hypo Real Estate Bank Int'l AG RUR A2 C- A2 A3 — P-1 Hypothekenbank in Essen AG NOO — — A1 A2 — — IKB Deutsche Industriebank AG RUR Baa3 E Baa3 Ba2 — P-3 KfW IPEX-Bank GmbH STA Aa3 C- — — — P-1 Kreditanstalt fuer Wiederaufbau STA Aaa — Aaa — — P-1 Kreissparkasse Koeln STA Aa2 C Aa2 — — P-1 L-Bank STA Aaa — Aaa Aaa Aaa P-1 Landesbank Baden-Wuerttemberg STA Aa1 C Aa1 Aa2 — P-1 Landesbank Berlin AG STA A1 D+ A1 A2 A1 P-1 Landesbank Saar STA Aa2 D+ Aa2 — — P-1 LANDESBANK SACHSEN AG NEG(m) — — Aa1 Aa2 — P-1 Landesbank Schleswig-Holstein STA — — Aa1 Aa1 — — Landesbk Hessen-Thueringen GZ STA Aa2 C- Aa2 Aa3 — P-1 Landesgirokasse Stuttgart NOO — — Aaa — — P-1 Landeskreditbank Baden-Wuert. NOO — — Aaa Aaa — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 44 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Landwirtschaftliche Rentenbk. STA Aaa — Aaa Aaa — P-1 Lehman Brothers Bankhaus AG RUR — — B3 Caa2 — NP LfA Foerderbank Bayern STA Aaa — Aaa — — P-1 LRP Landesbank Rheinland-Pfalz NOO — — Aa1 Aa2 — P-1 Morgan Stanley Bank AG RUR A1 B- — — A1 P-1 Muenchener Hypothekenbank eG STA Aa3 C+ Aa3 A1 — P-1 Norddeutsche Landesbank GZ STA Aa2 C- Aa2 Aa3 — P-1 NRW.BANK STA — C- Aa1 Aa1 Aa1 P-1 OSV-Ostdeutscher Sparkassenv STA — — — — Aa3 — RHEINHYP Rheinische Hypo AG NOO — — A1 A2 — — SEB AG NEG A1 C- — — — P-1 Sparkasse Aachen STA Aa2 C+ — — — P-1 Sparkasse KoelnBonn STA Aa2 C Aa2 Aa3 — P-1 Sparkasse Spree-Neisse STA Aa2 C+ — — — P-1 Sparkassen-Finanzgruppe NOO — B- Aa2 — — — Stadtsparkasse Duesseldorf STA Aa1 C+ — — Aa1 P-1 Sueddeutsche Bodencreditbank AG RUR — — A2 — — — UBS DEUTSCHLAND AG STA A2 D+ — — — P-1 Volkswagen Bank GmbH STA A2 C+ A2 A3 — P-1 Volvo Auto Bank GmbH NEG A3 C — — — P-2 Westdeutsche Immobilienbank — — — NR — — — Westfaelisch-Lipp.Spk-& Giroverb STA — — Aa3 — Aa3 — Westfaelische Hypothekenbank RUR — — A2 A3 — — WestLB AG NEG(m) A2 E+ A2 A3 — P-1 WGZ BANK AG STA Aa3 C Aa3 — Aa3 P-1 GHANA Ghana Commercial Bank Ltd STA B3 D- — — — NP GREECE Agricultural Bank of Greece SA STA Baa1 D — — — P-2 Alpha Bank AE STA A1 C A1 A2 — P-1 Bank of Attica S.A. STA Ba1 D — — — NP Bank of Greece STA — — A2 — — — EFG Eurobank Ergasisa S.A. STA Aa3 C+ — — — P-1 Emporiki Bank of Greece S.A. STA Aa3 C- Aa3 A1 — P-1 General Bank of Greece S.A. STA A3 D+ — — — P-1 Marfin Egnatia Bank SA STA Baa1 D+ — — — P-2 National Bank of Greece S.A. STA Aa3 C+ — — — P-1 Piraeus Bank S.A. STA A1 C A1 A2 — P-1 GUATEMALA Banco Industrial S.A. STA(m) Ba3 D — Ba3 — NP GUERNSEY Bank Julius Baer & Co, Guernsey STA — — Aa3 — — — Credit Suisse (Guernsey Branch) STA — — — Aa2 — — HONG KONG ANZ National (Int'l) Ltd, HK STA — — Aa2 Aa3 — P-1 Banca Intesa Spa, Hong Kong STA Aa2 — — — — P-1 Bangkok Bank Public Co. (HK) STA — — — Baa1 — — Bank of Ayudhya (HK) STA — — Baa2 — — — Bank of China (Hong Kong) Ltd STA Aa3 C+ — — — P-1 Bank of East Asia, Limited NEG A2 C — A3 — P-1 Bank of Tokyo-Mitsu. UFJ Ltd. HK NEG Aa2 — — — — — Barclays Bank plc Hong Kong RUR Aa1 — — — — P-1 Bayer Hypo-Und Vereinsbk, HK Br STA — — A1 A2 — — Bayerische Landesbank, Hong Kong STA Aa2 — — — — — China Cnst. Bk (Asia) Corp. Ltd. STA A2 C — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 45 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Chinatrust Commercial Bank, HK STA — — — Baa1 — — Chiyu Banking Corporation, Ltd. STA Aa3 C — — — P-1 Chong Hing Bank Limited STA Baa2 C- — Baa3 — P-2 CITIC Ka Wah Bank Limited STA Baa2 D+ Baa2 Baa3 — P-2 CITIC Pacific Limited RUR — — Ba2 — — — Dah Sing Bank, Limited STA A3 C A3 Baa1 — P-1 DBS Bank (Hong Kong) Limited STA Aa3 C+ — — — P-1 Fortis Bank (Hong Kong) RUR — — A1 — — P-1 Hang Seng Bank Limited STA Aa2 B+ — Aa2 — P-1 Hong Kong Mortgage Corp.Ltd(The) STA(m) — — Aaa — Aa1 P-1 Hongkong and Shanghai Bank Corp. STA Aa2 B+ Aa1 Aa2 Aa1 P-1 ICICI Bank Limited, HK Branch STA — — Baa2 Baa2 — — Ind. & Coml Bk of China (Asia) STA A2 C- — — — P-1 Mizuho Corporate Bank,Ltd, HK Br NEG Aa2 — — — — — Nanyang Commercial Bank, Ltd. STA Aa3 C+ — — — P-1 Public Bank (Hong Kong) Limited STA A3 C- — — — P-1 Rabobank Nederland, HK Branch STA Aaa — — — — P-1 Shanghai Commercial Bank STA A2 C+ — — — P-1 Standard Chartered Bank (HK) Ltd STA Aa3 B- Aa3 A1 Aa3 P-1 Union Bank of India, HK Branch STA — — Baa2 Baa2 — — Westpac Banking Corporation, HK STA Aa1 — — Aa2 — P-1 Wing Hang Bank, Limited STA A2 C+ — A3 — P-1 Wing Lung Bank Limited STA A2 C+ — — — P-1 HUNGARY Bank Rt. STA(m) A3 D+ — — — P-2 CIB Bank Ltd. STA(m) A3 C- Aa3 — — P-2 Erste Bank Hungary Rt STA(m) A3 D+ — — — P-2 FHB Mortgage Bank Co. Plc. STA Baa3 D+ — — — P-3 Kereskedelmi & Hitel Bank Rt. STA(m) A3 C- — — — P-2 MFB Hungarian Dev Bank Ltd. STA(m) A3 — Aa1 — — P-2 MKB Bank Rt. NEG(m) A3 C- Aa3 A1 — P-2 National Bank of Hungary STA — — A1 — A1 — OTP Bank RUR A3 C+ Aa3 A1 — P-2 OTP Jelzalogbank Rt (OTP Mtge B) RUR A3 C+ — — — P-2 ICELAND Glitnir banki hf RUR Caa1 E Caa2 C — NP Housing Financing Fund RUR — — A1 — A1 — Kaupthing Bank hf RUR Caa1 E Caa2 C — NP Landsbanki Islands hf RUR Caa1 E Caa2 C Caa2 NP INDIA Axis Bank Ltd STA Ba2 C- — — — NP Bank of Baroda STA Ba2 D+ — — — NP Bank of India STA Ba2 D+ Baa2 Baa2 — NP Canara Bank STA Ba2 D+ Baa2 Baa2 — NP Central Bank of India STA Ba2 D- — — — NP Export-Import Bank of India STA Ba2 — Baa3 — Baa3 NP HDFC Bank Limited STA Ba2 C- Baa2 Baa2 — NP ICICI Bank Limited STA Ba2 C- Baa2 Baa2 — NP IDBI Bank Ltd STA Ba2 D- Baa2 — — NP Oriental Bank of Commerce STA Ba2 D+ — — — NP Punjab National Bank STA Ba2 D+ — — — NP State Bank of India STA Ba2 C- Baa2 Baa2 — NP Syndicate Bank STA Ba2 D+ — — — NP Union Bank of India STA Ba2 D+ Baa2 Baa2 — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 46 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

INDONESIA Bank Central Asia Tbk (P.T.) STA B1 D+ — — Ba2 NP Bank Danamon Indonesia TBK (PT) STA(m) B1 D — — — NP Bank Internasional Indonesia PT STA B1 D — — Ba2 NP Bank Mandiri (P.T.) STA B1 D- — — — NP Bank Negara Indonesia TBK (P.T.) STA B1 D- — — — NP Bank Permata TBK (P.T.) STA(m) B1 D- — — — NP Bank Rakyat Indonesia (P.T.) STA B1 D+ — — — NP Bank Tabungan Negara (P.T.) STA B1 D- — — — NP Pan Indonesia Bank TBK (P.T.) STA(m) B1 D — — — NP PT Bank Lippo Tbk STA B1 D — Ba2 Ba2 NP PT Bank Niaga Tbk STA B1 D — Ba2 Ba2 NP IRELAND Allied Irish Banks, p.l.c. STA Aa2 B- Aa2 Aa3 — P-1 Anglo Irish Bank Corp. Plc RUR A1 C+ A1 A2 A1 P-1 Bank of Ireland NEG Aa2 B- Aa2 Aa3 Aa2 P-1 Bank of Scotland (Ireland) Ltd RUR Aa3 C- — — — P-1 Barclays Bank Ireland PLC RUR Aa3 D+ — — — P-1 BOS (Ireland) Funding Plc STA — — — — — P-1 Citibank Europe plc RUR Aa3 B — — — P-1 Commerzbank Europe (Ireland) STA A2 C+ — — A2 P-1 Depfa ACS Bank RUR A2 D+ A2 A3 — P-1 DEPFA Bank plc RUR A2 D+ A2 A3 — P-1 DEPFA-Bank Europe P.L.C. RUR A2 D+ A2 — — P-1 DZ-Bank Ireland plc STA A2 C- — — — P-1 EBS Building Society NEG(m) A2 C- A2 A3 — P-1 Espirito Santo Investment plc STA — — Aa3 A1 — P-1 First Active plc STA Aa2 C Aa2 Aa3 — P-1 First Active Treasury PLC STA — — Aa2 Aa3 — P-1 FirstRand (Ireland) plc STA — — — — — P-1 Goldman Sachs Bank (Europe) plc NEG Aa3 B — — Aa3 P-1 Goldman Sachs Private Bank Ltd. NEG Aa3 B — — Aa3 P-1 Hewlett-Packard Intern Bank Plc STA A2 C- — — — P-1 Hypo Public Finance Bank RUR A2 — A2 A3 — P-1 ICS Building Society NEG(m) Aa3 C — — — P-1 Intesa Bank Ireland p.l.c. STA — — Aa2 Aa3 — P-1 Intesa Sanpaolo Bank Ireland plc STA — — Aa2 Aa3 — P-1 Irish Life & Permanent plc NEG Aa3 C+ Aa3 A1 — P-1 Irish Nationwide Build. Society RUR Baa1 C- Baa1 Baa2 — P-2 KBC Bank Ireland PLC NEG(m) A1 C A1 A2 — P-1 Lease Plan Finance (Dublin) RUR — — A3 — — P-2 Merrill Lynch Int'l Bank Ltd. RUR — — — — — P-1 Rabobank Ireland plc STA — — Aaa — — P-1 Sachsen LB Europe PLC NEG(m) Aa1 E Aaa Aa1 — P-1 SibAcademFinance plc STA — — Ba3 — — — TOTTA (IRELAND) p.l.c. STA — — — — — P-1 Ulster Bank Finance PLC STA — — NR — — P-1 Ulster Bank Ireland Limited STA Aa2 C+ Aa2 — — P-1 UniCredit Bank Ireland p.l.c. STA — — Aa3 — — P-1 UT2 Funding plc STA(m) — — — (P)A1 — — WestLB Covered Bond Bank NEG A2 E+ — — — P-1 WGZ Bank Ireland Plc STA A2 C — — — P-1 Zurich Bank STA A1 D A2 A3 — P-1 ISRAEL Bank Hapoalim B.M. RUR A1 C — — — P-1 Bank Leumi STA A1 C — — — P-1 First Intl Bank of Israel STA A1 C- — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 47 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Israel Credit Cards Limited STA — — — — Ba1 — Israel Discount Bank STA A1 C- — — — P-1 Mizrahi Tefahot Bank STA A1 C- — — — P-1 ITALY Banca Agrileasing SpA STA A3 C- A3 Baa1 — P-2 Banca Antonveneta RUR A1 C- A1 A2 — P-1 Banca Carige S.p.A. STA A2 C- — — A2 P-1 Banca Commerciale Ital. S.p.A. POS — — Aa2 Aa3 — P-1 Banca CR Firenze S.p.A. STA Aa3 C Aa3 A1 Aa3 P-1 Banca della Marca Credito Coop STA A3 C- — — — P-1 Banca Delle Marche S.p.A. STA A2 C- A2 A3 — P-1 Banca IMI Spa STA Aa3 C- Aa3 A1 — P-1 Banca Infrast. Innov. e Sviluppo STA Aa3 C+ — — — P-1 Banca Italease S.p.A. STA Ba1 D- Ba1 Ba2 — NP Banca Lombarda Piemontese SPA NOO — — A1 A2 — — Banca Monastier e del Sile STA A3 C- — — — P-1 Banca Monte dei Paschi di Siena STA Aa3 C Aa3 A1 — P-1 Banca Nazionale Del Lavoro STA Aa2 C Aa2 Aa3 Aa2 P-1 Banca Popolare dell'Alto Adige STA A1 C A1 A2 — P-1 Banca Popolare di Cividale ScpA STA A3 C- A3 Baa1 — P-2 Banca Popolare di Marostica STA A2 C — — — P-1 Banca Popolare di Milano STA A1 C A1 A2 A1 P-1 Banca Popolare di Spoleto STA A3 C- — — — P-1 Banca Popolare Friuladria STA Aa3 C — — — P-1 Banca Popolare Ital.Soc. Coop. POS(m) — — A2 A3 — — Banca Sella Holding STA A2 C- A2 A3 — P-1 Banca Tercas STA A3 C- — — — P-1 Banca Toscana S.p.A. RUR A1 C NR — A1 P-1 Bancaperta S.P.A. STA Baa1 C- Baa1 Baa2 — P-2 BancApulia S.p.A. NEG(m) Baa2 D+ — — — P-2 Banco Popolare Soc Cooperativa POS(m) A2 C- A2 A3 A2 P-1 Bank of New York (Lux), Italian STA Aa2 — — — Aa2 P-1 Capitalia S.p.A. NOO — — Aa2 Aa3 — — CaRiChieti STA Baa1 C- Baa1 — — P-2 Cassa Depositi e Prestiti S.p.A. STA — — Aa2 — Aa2 — Cassa di Risp.di Bolzano-Sudtirl STA A2 C- A2 A3 — P-1 Cassa Di Risparmio Di Parma STA Aa3 C+ Aa3 — — P-1 Cassa di Risparmio Ferrara SpA STA A3 C- A3 Baa1 A3 P-1 Cassa Risparmi Forli Rom Spa STA A1 C- A1 A2 — P-1 Cassa Risparmio Provinc Lombard STA — — Aa2 — — — Credito Artigiano S.p.A. STA — — Baa1 Baa2 — P-2 Credito Valtellinese STA Baa1 C- Baa1 Baa2 — P-2 Dexia Crediop S.p.A. RUR A1 C A1 A2 — P-1 Efibanca S.p.A. STA Baa1 D+ Baa1 A3 — P-2 Fiat Group Automobiles Fin Ser STA — — — — Baa2 — Fineco S.p.A. STA — — Aa3 Aa3 — — Interbanca S.p.A STA A3 D+ A3 Baa1 — P-2 Intesa Sanpaolo Spa STA Aa2 B- Aa2 Aa3 Aa2 P-1 Istituto Serv. Merc. Agric. Alim STA — — — — Aa2 NR Locat S.p.A. STA — — — — A1 P-1 Mediocredito Fond. Centro Italia STA — — A2 — — — Mediocredito Trentino-Alto Adige STA Aa3 C- — — — P-1 Meliorbanca S.p.A. RUR Baa3 D+ — — — P-3 MPS Capital Services STA A1 D+ — — — P-1 Sanpaolo IMI S.p.A. STA — — Aa2 Aa3 — P-1 Santander Consumer Bank S.p.A. STA A1 C A1 A2 — P-1 Unibanca S.p.A STA A3 C- A3 Baa1 — P-1 UniCredit Banca per la Casa STA Aa3 C+ — — — P-1 UniCredit MedioCred Cen S.p.A. POS(m) A2 C — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 48 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term UniCredit SpA STA Aa3 C+ Aa3 A1 — P-1 Unione di Banche Italiane ScpA STA(m) A1 C A1 A2 A1 P-1 Unipol Banca S.p.A. STA Baa1 D+ — — — P-2 JAPAN Aozora Bank, Ltd. NEG A3 D+ A3 — — P-2 Asahi Bank, Ltd. STA — — — A2 — — Bank of Fukuoka, Ltd. STA A3 D+ A3 — A3 P-2 Bank of Tokyo-Mitsubishi UFJ NEG Aa2 C Aa2 Aa3 Aa2 P-1 Bank of Yokohama, Ltd. STA A1 C — A2 — P-1 Barclays Bank PLC, Tokyo NOO — — — — — P-1 Bayerische Hypo-und Vereinsbank STA — — — — — P-1 Calyon, Tokyo Branch RUR Aa1 — — — — P-1 Chiba Bank, Ltd. STA A1 C — A2 A1 P-1 Chugoku Bank, Limited STA Aa3 C+ — — Aa3 P-1 Chuo Mitsui Asset Trust & Bk Co STA A1 C+ — — — P-1 Chuo Mitsui Tr & Bnkng Co. Ltd. STA A1 C- — A2 — P-1 Citibank Japan Ltd. RUR Aa3 B — — — P-1 Dai-Ichi Kangyo Bank, Ltd. STA — — — Aa3 — — Dexia Credit Local, Tokyo Branch RUR Aa3 — — — — P-1 Fuji Bank, Ltd. STA — — — Aa3 — — Gunma Bank, Ltd. STA A1 C- — — — P-1 Higo Bank Ltd. STA A1 C — — — P-1 Hiroshima Bank, Limited STA A3 D+ — — — P-2 Hyakujushi Bank Limited STA A2 C- — — — — Industrial Bank of Japan Ltd. STA — — Aa2 Aa3 — P-1 ING Bank N.V., Tokyo Branch STA Aa2 — — — — P-1 J.P. Morgan Trust Bank Ltd. NEG Aaa — — — — P-1 Japan Trustee Services Bank, Ltd STA Aa3 C — — — P-1 Joyo Bank, Ltd. STA A1 C- A1 — — P-1 Kansai Urban Banking Corporation STA Aa2 D (P)Aa2 Aa3 — P-1 Kinki Osaka Bank, Ltd. (The) STA A1 D — — — P-1 Kiyo Bank, Ltd. STA Baa1 D- — — — P-2 Minato Bank, Ltd (The) NEG Aa2 D — — — P-1 Mitsubishi UFJ Trt & Bank. Corp. NEG Aa2 C — Aa3 — P-1 Mizuho Bank, Ltd. NEG Aa2 C Aa2 Aa3 Aa2 P-1 Mizuho Corporate Bank, Ltd. NEG Aa2 C Aa2 Aa3 Aa2 P-1 Mizuho Financial Group, Inc. NEG — — — — — P-1 Mizuho Trust & Banking Co., Ltd. NEG Aa2 C Aa2 Aa3 — P-1 Norinchukin Bank NEG Aa2 C Aa2 — Aa2 P-1 Ogaki Kyoritsu Bank, Ltd. STA A3 D+ — — — P-2 Resona Bank, Ltd. STA A1 D+ — A2 — P-1 Resona Holdings, Inc. STA — — — A3 — — Resona Trust & Banking Company STA A1 C+ — — — P-1 Royal Bank of Scotland, Tokyo Br NOO — — — — — P-1 Saitama Resona Bank, Ltd. STA A1 D (P)A1 A2 — P-1 Sakura Bank, Ltd. STA — — — Aa3 — — San-in Godo Bank, Ltd. STA A2 C- — — — P-1 Sanwa Bank, Ltd. NEG — — Aa2 Aa3 — — Shinkin Central Bank NEG Aa2 C+ Aa2 — — P-1 Shinsei Bank, Limited STA A3 D+ A3 Baa1 — P-2 Shizuoka Bank, Ltd. STA Aa3 C+ Aa3 — Aa3 P-1 Shoko Chukin Bank, Ltd. NEG(m) Aaa D Aaa — — P-1 Standard Chartered Bank, Tokyo STA — — — — — P-1 Sumitomo Bank, Ltd. STA — — Aa2 Aa3 — — Sumitomo Mitsui Banking Corp. STA Aa2 C Aa2 Aa3 Aa2 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 49 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Sumitomo Trust And Banking Co. STA Aa3 C — A1 — P-1 Suruga Bank, Ltd. STA A3 D+ — — — P-2 Trust & Custody Services Bank NEG Aa2 C — — — P-1 UFJ Bank Limited NEG — — Aa2 Aa3 — — UFJ Trust Bank Limited NEG — — — Aa3 — — JERSEY Alpha Group Jersey Limited STA — — A1 A2 — — Bank of India, Jersey Branch STA — — Baa2 Baa2 — — Fairbairn Private Bank Limited STA A3 C — — — P-2 HSBC Bank Middle East Limited STA Aa2 C+ Aa2 Aa3 — P-1 Hypo Vorarlberg Cap.Fin(Jersey) STA — — — Aa3 — — Lloyds TSB Offshore Limited RUR Aa2 C — — — P-1 NATIXIS Structured Products Ltd STA — — Aa3 — — P-1 ProPart Funding Ltd Partnership STA — — — Ca — — UBS AG, Jersey Branch STA — — Aa2 Aa3 — P-1 JORDAN Arab Bank PLC STA Ba3 C+ — — — NP Cairo Amman Bank STA Ba3 D- — — — NP Housing Bank for Trade & Finance STA Ba3 C- — — — NP KAZAKHSTAN Alfa-Bank Kazakhstan STA Ba3 E+ — — — NP Alliance Bank RUR Ba2 E+ Ba2 Ba3 — NP ATF Bank STA(m) Ba1 D- Baa2 Ba1 — NP Bank CenterCredit NEG Ba1 D- — Ba3 — NP BTA Bank STA(m) Ba1 D- Ba1 Ba2 — NP Caspian Bank STA Ba3 D- — — — NP DBK Leasing STA — — — — Ba3 NP Delta Bank JSC STA B3 E+ — — — NP Development Bank of Kazakhstan STA — — A2 — A2 — Eurasian Bank STA B1 E+ — — — NP Eximbank Kazakhstan STA B3 E+ — — — NP Halyk Savings Bk of Kazakhstan NEG Ba1 D Baa3 — — NP House Constr. Sav. Bank of KZ STA Baa2 E+ — — — P-2 JSC Nurbank STA B1 E+ — — — NP KazAgroFinance, JSC STA — — — — Baa2 P-2 Kazakhstan Mortgage Company JSC STA — — — — Baa1 — Kazinvestbank STA B2 E+ — — — NP Kazkommertsbank STA(m) Ba1 D- — Ba2 — NP SB Sberbank JSC STA Ba2 E+ — — — NP Seimar Alliance Fin Corp, JSC RUR — — — — Ba3 NP Temirbank STA Ba3 E+ — — — NP Tsesna Bank STA B1 E+ — — — NP KOREA Chohung Bank STA — — — A2 — — Citibank Korea Inc. STA A2 C- — — — P-1 Daegu Bank, Ltd. STA(m) A2 C- — — — P-1 Export-Import Bank of Korea STA — — Aa3 — — P-1 Hana Bank STA(m) A2 C A1 A2 — P-1 Industrial Bank of Korea STA A2 D+ Aa3 Aa3 — P-1 Jeonbuk Bank STA A3 D+ — — — P-1 Kookmin Bank STA(m) A2 C Aa3 A1 — P-1 Korea Development Bank NEG(m) A2 D Aa3 — — P-1 Korea Exchange Bank STA(m) A2 C- A2 (P)A3 — P-1 National Agricult. Coop. Feder. STA A2 D+ A1 A2 A1 P-1 Pusan Bank STA(m) A2 C- — A3 — P-1 Shinhan Bank STA(m) A2 C A1 A2 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 50 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Standard Chart. 1st Bk Korea Ltd STA A2 D+ A2 A3 — P-1 Suhyup Bank STA A2 D- A2 A3 — P-1 Woori Bank STA(m) A2 C A1 A2 — P-1 Woori Finance Holdings STA — — — — A2 — Woori Investment & Sec Co., Ltd. NEG — — — — Baa1 P-2 KUWAIT Al Ahli Bank of Kuwait STA A1 C- — — — P-1 Bank of Kuwait and Middle East STA A1 C- — — — P-1 Boubyan Bank STA Baa2 D — — — P-2 Burgan Bank RUR A1 C- — — — P-1 Commercial Bank of Kuwait STA Aa3 C — — — P-1 Gulf Bank RUR A1 C- — — — P-1 Gulf Investment Corporation NEG A3 D+ A3 — — P-1 Kuwait Finance House STA Aa3 C- — — — P-1 National Bank of Kuwait STA Aa2 B- — — — P-1 KYRGYZSTAN AsiaUniversalBank JSC STA Caa2 E — — — NP LATVIA Baltic International Bank STA B1 E+ — — — NP Latvijas Krajbanka A/S NEG Ba2 D- — — — NP Mortgage and Land Bank of Latvia NEG A3 D- — — — P-2 Norvik Banka, JSC NEG Ba3 D- — — — NP Parex Bank DEV(m) Ba1 E+ Ba1 — — NP PrivatBank AS STA B1 E+ — — — NP Trasta Komercbanka STA B2 E+ — — — NP LEBANON Bank Audi STA B3 D- — — — NP Bank of Beirut STA B3 D- — — — NP BLOM BANK s.a.l. STA B3 D- — — — NP Byblos Bank S.A.L. STA B3 D- B2 B2 — NP LIECHTENSTEIN LGT Bank in Liechtenstein AG STA Aa3 B- Aa3 — Aa3 P-1 LITHUANIA AB Bankas SNORAS RUR Ba3 D- NR — — NP AB Ukio Bankas RUR Ba3 D- — — — NP Siauliu Bankas, AB NEG Ba2 D — — — NP LUXEMBOURG Banco di Brescia S.p.A. Lux STA — — — — — P-1 Bank of New York (Lux.) S.A. STA Aa2 B+ — — Aa2 P-1 Banque et Caisse d'Epargne STA Aaa C+ Aaa Aa1 — P-1 Commerzbank International S.A. STA A2 C+ A2 — — P-1 Credit Suisse Group Fin. Lux. SA STA — — Aa2 Aa3 — P-1 Dexia Banque Int'l a Luxembourg RUR Aa3 C- A1 A1 Aa3 P-1 Dresdner Bank Luxembourg S.A. STA(m) A1 C A1 — A1 P-1 EUROHYPO Europ. Hypothekenb. — — — A1 — — — Fortis Banque Luxembourg S.A. RUR A1 C- A1 A2 A1 P-1 Fortis Luxembourg Fiannce S.A. RUR — — A1 A2 — P-1 HSH Nordbank, Luxembourg Branch STA — — — — — P-1 HVB Banque Luxembourg S.A. STA A3 C- — — A3 P-2 Investcorp S.A. RUR Baa3 D+ — — — P-3 LRI LBnk Rheinld-Pfalz Intl SA NOO — — Aaa — — — Norddeutsche Landesbank Lux. STA Aa3 C- Aa3 — — P-1 Petrocommerce Invest S.A. STA — — Ba3 — — NP Standard International Holdings STA — — — — Baa1 — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 51 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term UniCredit Int'l Bank (Lux) S.A. STA — — Aa3 — — P-1 UniCredit Luxembourg Finance STA — — Aa3 A1 — P-1 MACAU Banco BPI, S.A. (Macau Offshore) STA — — A1 A2 — P-1 MALAYSIA AmBank (M) Berhad STA Baa2 D- — — — P-3 CIMB Bank Berhad STA A3 D+ — — — P-1 CIMB Investment Bank STA — — — Baa1 A3 P-1 EON Bank Berhad STA Baa2 D — Baa3 — P-3 Hong Leong Bank Berhad STA A3 C- — A3 — P-1 HSBC Bank Malaysia Berhad STA A3 C- — — — P-1 Malayan Banking Berhad STA(m) A3 C — A3 — P-1 MBB Sukuk Inc STA — — — A3 — — Public Bank Berhad STA A3 C — A3 — P-1 RHB Bank Berhad STA A3 D — — — P-1 Southern Bank Berhad STA(m) — — — Baa1 — — Standard Chartered Bank Malaysia STA A3 C- — — — P-1 MALTA Bank of Valletta STA Baa1 D+ Baa1 — — P-2 MAURITIUS Mauritius Commercial Bk. Ltd. STA Baa2 D+ — — Baa1 P-2 State Bank of Mauritius Ltd. STA Baa2 C- — — Baa1 P-2 MEXICO Banco Autofin Mexico, S.A. STA B1 E+ — — — NP Banco Credit Suisse Mexico STA Baa1 D+ — — — P-2 Banco del Bajio, S.A. STA Baa3 D+ — — — P-3 Banco Interacciones, S.A. STA Ba1 D — Ba2 — NP Banco Mercantil del Norte, S.A. STA Baa1 C- — A3 — P-2 Banco Multiva, S.A. STA B2 E+ — — — NP Banco Nacional de Comercio STA — — A1 — — P-1 Banco Nacional de Mexico, S.A. STA Baa1 C+ A1 — — P-2 Banco Regional de Monterrey, SA STA Baa3 D+ — — — P-3 Banco Santander, S.A. (Mexico) STA Baa1 C A1 — — P-2 BanCoppel, S.A. STA Ba3 E+ — — — NP Bank of America Mexico, S.A. STA Baa1 D+ — — A1 P-2 Bank of Tokyo-Mit. UFJ (MX) STA — D — — — — Banobras, S.N.C. STA — — — — A1 P-1 Barclays Bank Mexico, S.A. RUR Baa1 D — — — P-2 BBVA Bancomer, S.A. STA Baa1 C+ Aa2 Aa3 — P-2 Deutsche Bank Mexico, S.A. STA Baa1 D — — — P-2 Fideicomiso de Fomento Minero STA — — — — Baa3 P-3 HSBC Mexico, S.A. STA Baa1 C Aa2 Aa3 — P-2 ING Bank, S.A. (Mexico) STA Baa1 D+ — — — P-2 Nacional Financiera, S.N.C. STA — — — — — P-1 Prudential Bank, S.A. STA Ba2 E+ — — — NP Scotiabank Inverlat S.A. STA Baa1 C- — — — P-2 MONGOLIA Khan Bank LLC STA B2 D Ba2 Ba1 Ba2 NP Trade & Dvlpmt Bank of Mongolia STA B2 D- Ba2 Ba2 Ba2 NP XacBank LLC STA B2 D — — Ba2 NP MOROCCO Attijariwafa Bank STA Ba2 D+ — — — NP BMCE Bank STA Ba2 D+ — Baa2 — NP Credit du Maroc STA Ba2 D+ — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 52 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

NETHERLANDS ABN AMRO Bank N.V. STA(m) Aa2 B- Aa2 Aa3 Aa2 P-1 ABN AMRO Holding N.V. STA — — (P)Aa3 (P)A1 — — B of A Issuance B.V. RUR — — Aa2 Aa3 — P-1 BNY Mellon Asset Servicing B.V. STA — — — — Aaa — Caixa Catalunya Int'l Fin. B.V. NEG — — A2 — — — SD Finance BV STA — — — A1 — — Caja Vital Finance B.V. STA — — A1 — — — CB Finance Company B.V. STA — — Aa3 A1 — P-1 Credit Europe Bank N.V. STA Baa3 D+ — Ba1 — P-3 Demir-Halk Bank (Nederland) N.V. STA Ba1 D+ — — — NP Fortis Bank Nederland (Holding) RUR A1 C- A1 A2 — P-1 Fortis N.V. RUR — — — — Baa2 — Friesland Bank N.V. STA A2 C A2 A3 — P-1 GarantiBank International N.V. STA A3 C — Baa1 — P-2 HypoVereins Finance N.V. STA — — A2 A2 — P-1 ING Bank N.V. STA Aa2 B- Aa2 Aa3 — P-1 KBC IFIMA N.V. NEG — — Aa2 Aa3 — P-1 LeasePlan Corporation N.V. RUR — C A3 Baa1 A3 P-2 Mizuho Corporate Bank Nederland NEG — — Aa2 — — P-1 NIBC Bank N.V. STA Baa1 C- Baa1 Baa2 — P-2 NurFinance B.V. STA — — B1 — — — Postbank Groen N.V. STA — — Aa2 Aa3 — P-1 Rabo Financial Products B.V. STA — — Aaa Aa1 — P-1 Rabobank Int'l Equity Deriv. STA — — Aaa Aa1 — P-1 Rabobank Nederland STA Aaa B+ Aaa Aa1 Aaa P-1 Rabobank Nederland, Netherlands STA — — Aaa — — P-1 Rabohypotheekbank N.V. STA — — Aaa — — — RI Financial Structures B.V. STA — — Aaa — — P-1 Sabadell International Capital STA — — — A1 — — Sabadell International Finance STA — — Aa3 — — P-1 SNS Bank N.V. NEG A1 C+ A1 A2 — P-1 VTB Europe Finance B.V. STA — — Baa2 Baa3 — P-2 NETHERLANDS ANTILLES Rabobank Curacao N.V. STA — — Aaa — — P-1 SMBC International Finance N.V. STA — — — Aa3 — — NEW ZEALAND ANZ Banking Group (NZ) Ltd. STA — — Aa2 — — — ANZ National (Int'l) Ltd STA — — Aa2 — — P-1 ANZ National Bank Ltd STA Aa2 C+ Aa2 Aa3 Aa2 P-1 ASB Bank Limited STA Aa2 B- Aa2 Aa3 Aa2 P-1 Bank of New Zealand STA Aa2 C+ Aa2 Aa3 Aa2 P-1 Citibank, N.A. (Auckland Branch) RUR — — Aa1 — — P-1 Deutsche Bank AG, New Zealand STA — — — Aa2 — — Lease Plan New Zealand Limited STA — — — — — P-2 National Bank of New Zealand STA — — Aa2 Aa3 — — Rabobank Nederland, NZ Branch STA — — Aaa — — P-1 Westpac New Zealand Limited STA Aa2 C+ Aa2 Aa3 Aa2 P-1 Westpac Securities NZ Limited STA — — — — Aa2 P-1 NORWAY Den norske Bank ASA NEG — — Aa1 Aa2 — P-1 Den norske Creditbank NEG — — — Aa2 — — DNB NOR Bank ASA NEG Aa1 B- Aa1 Aa2 — P-1 Eksportfinans ASA NEG — — Aaa Aa1 Aaa P-1 Nordea Bank Norge ASA STA Aa1 B- Aa1 Aa2 — P-1 SpareBank 1 Gruppen AS STA — — — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 53 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term SpareBank 1 Nord-Norge NEG Aa3 C+ Aa3 A1 — P-1 SpareBank 1 SMN NEG Aa3 C+ Aa3 A1 Aa3 P-1 SpareBank 1 SR-Bank NEG Aa3 C+ Aa3 A1 Aa3 P-1 Sparebanken Oest NEG(m) A1 C- — — — P-1 Sparebanken Vest STA A1 C A1 A2 — P-1 Storebrand Bank NEG A2 C- A2 A3 — P-1 OMAN Ahli Bank S.A.O.G. STA Baa1 D — — — P-2 Bank Dhofar SAOG STA A3 D+ — — — P-2 BankMuscat S.A.O.G STA A2 C- A1 — — P-1 National Bank of Oman Limited STA A3 D+ — — — P-2 Oman Arab Bank (SAOC) STA A2 C- — — — P-1 Oman International Bank (SAOG) STA A3 D+ — — — P-2 PAKISTAN Habib Bank Ltd. RUR B3 D- — — — NP MCB Bank Limited RUR B3 D — — — NP National Bank of Pakistan RUR B3 D — — — NP United Bank Ltd. RUR B3 D- — — — NP PANAMA Banco Internacional Costa Rica STA Ba1 D — — — NP Bladex S.A. STA Baa2 C- Baa2 — Baa2 P-2 Primer Banco del Istmo, S.A. STA Baa2 C- — — — P-2 PERU Banco de Credito del Peru STA Ba2 D+ — Baa3 — NP Banco Internacional del Peru STA Ba2 D+ — — — NP PHILIPPINES Allied Banking Corporation RUR B1 E+ — Ba3 — NP Banco De Oro Unibank, Inc. STA(m) B1 D — — — NP Bangko Sentral ng Pilipinas POS — — B1 — — — Bank of the Philippine Islands STA(m) B1 C- — — — NP Devel. Bank of the Philippines STA(m) B1 D — — — NP Land Bank of the Philippines STA(m) B1 D- — — — NP Metropolitan Bank & Trust Co. STA(m) B1 D — Baa3 — NP Philippine National Bank STA(m) B1 E+ — Ba2 — NP Rizal Commercial Bank Corp. STA(m) B1 D- Ba3 — — NP United Coconut Planters Bank STA B1 E — — — NP POLAND Bank BPH SA RUR Baa2 D- — — — P-2 Bank Gospodarki Zywnosciowej SA STA A2 D — — — P-1 Bank Handlowy w Warszawie S.A. RUR A2 C- — — — P-1 Bank Millennium S.A. STA A3 D — — — P-2 Bank Polska Kasa Opieki SA NEG(m) A2 C — — — P-1 Bank Zachodni WBK S.A. STA(m) A2 C- — — — P-1 Bre Bank Hipoteczny RUR Baa1 D- — — — P-2 BRE Bank S.A. STA A2 D — — — P-1 Europejski Fundusz Leasingowy SA RUR — — — — A1 — Getin Bank SA NEG Ba2 D — — — NP ING Bank Slaski S.A. STA A2 D+ — — — P-1 Kredyt Bank S.A. STA A2 D — — — P-1 Lukas Bank S.A. RUR A2 C- — — — P-1 Powszechna Kasa Oszczednosci Bk STA A2 C Aa2 Aa3 — P-1 Rabobank Polska SA STA — — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 54 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

PORTUGAL Banco BPI S.A. STA A1 C A1 A2 A1 P-1 Banco BPI S.A. (Madeira) STA — — A1 A2 — P-1 Banco BPI S.A. (Santa Maria) STA — — A1 A2 — P-1 Banco Comerc.Portugues, Madeira STA — — Aa3 A1 — P-1 Banco Comercial Portugues, S.A. STA Aa3 C+ Aa3 A1 — P-1 Banco Espirito Santo, Madeira STA — — — — — P-1 Banco Espirito Santo, S.A. STA Aa3 C+ Aa3 A1 — P-1 Banco Itau Europa, S.A. STA Baa1 C- Baa1 Baa2 — P-2 Banco Portugues de Negocios RUR — — Baa3 Ba1 — P-3 Banco Privado Portugues S.A. RUR Ba2 D — — — NP Banco Santander Totta S.A. STA Aa3 C+ Aa3 A1 — P-1 BANIF-Banco Internac. do Funchal STA A2 C- A2 A3 — P-1 BANIF-Sucursal Financ. Exterior STA — — A2 A3 — P-1 BPN - SGPS, S.A. RUR — — — — Ba1 — BPN-Banco Port. de Neg, S.A. RUR Baa3 D+ — — — P-3 Caixa Economica Montepio Geral STA A2 C- A2 A3 — P-1 Caixa Geral de Depositos Madeira STA — — Aa1 Aa2 — P-1 Caixa Geral de Depositos, S.A. STA Aa1 C Aa1 Aa2 — P-1 Espirito Santo Plc STA — — — — — P-1 Sanpaolo IMI Bank (Intl) S.A. STA — — Aa2 — — P-1 QATAR Commercial Bank of Qatar STA A1 C- A1 A2 — P-1 Doha Bank Q.S.C. STA A2 D+ A2 A3 — P-1 Qatar National Bank STA Aa3 C- — — — P-1 ROMANIA Banca Comerciala Carpatica STA Ba3 D- — — — NP Banca Comerciala Romana S.A. STA Baa3 D — — — P-3 BRD - Groupe Societe Generale STA Baa3 D+ — — — P-3 Raiffeisen Bank SA STA Baa3 D — — — P-3 RUSSIA Absolut Bank STA Baa3 D- Baa3 — — P-3 Agency for Housing Mtg Lending STA — — — — A3 P-1 Agroimpuls JSCB STA B3 E+ — — — NP Ak Bars Bank STA Ba2 D- Ba2 — — NP Akibank STA B3 E+ — — — NP Alfa-Bank STA Ba1 D+ — Ba2 — NP Aljba Alliance Commercial Bank STA B3 E+ — — — NP Avtovazbank STA Caa1 E — — — NP Baltinvestbank STA B3 E+ — — — NP Baltiyskiy Bank STA B2 E+ — — — NP Bank Saint-Petersburg OJSC STA Ba3 D- Ba3 B1 — NP Bank Severnaya Kazna RUR Caa2 E — — — NP Bank Societe Generale Vostok STA Baa2 D- — — — P-2 Bank SOYUZ, JSCB RUR B2 E+ B2 — — NP Bank Uralsib STA Ba3 D- — — — NP Bank Uralsky Financial House STA B3 E+ — — — NP Bank VTB North-West STA(m) Baa1 D- — A3 — P-2 Bank VTB, JSC STA(m) Baa1 D- A2 A2 — P-2 BTA Bank (Russia) STA B1 E+ B1 — — NP Center-Invest Bank STA B1 E+ — — — NP CentroCredit Bank STA B3 E+ — — — NP Comm. Bk "Renaissance Cap", LLC RUR B1 E+ B1 — — NP Commercial Bk Agropromcredit STA B2 E+ — — — NP Credit Bank of Moscow STA B1 E+ B1 — — NP Credit Europe Bank Ltd. STA Ba1 D- Ba1 — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 55 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term DeltaCredit Bank STA Baa1 D — — — P-2 Eurokommerz Holding Limited STA — — — — B2 NP European Trust Bank STA B3 E+ — — — NP Evrofinance Mosnarbank STA Ba3 E+ — — — NP Expobank RUR B3 E+ — — — NP Far Eastern Bank STA Ba3 E+ — — — NP First Czech Russian Bank STA B3 E+ — — — NP First Republic Bank JSC STA B3 E+ — — — NP First United Bank STA B3 E+ B3 — — NP Fundservicebank STA B2 E+ — — — NP Gazbank JSCB STA B2 E+ — — — NP Gazenergoprombank STA Ba3 E+ — — — NP Gazinvestbank STA Caa1 E — — — NP Gazprombank STA(m) Baa1 D- A3 — — P-2 Guta Bank STA Caa1 E — — — NP Home Credit & Finance Bank STA Ba3 D- Ba3 — — NP ING Bank Eurasia STA Baa1 D — — — P-2 International Industrial Bank STA B1 E+ B1 — — NP International Investment Bank STA B3 E+ — — — NP Interprombank, JSCB STA B3 E+ — — — NP Investment Trade Bank STA B2 E+ — — — NP JSB Rosbank POS(m) Baa3 D Baa3 — — P-3 JSCB Bank of Moscow STA(m) Baa1 D A3 Baa1 — P-2 Kedr Bank STA B2 E+ — — — NP KIT Finance Investment Bank RUR Caa2 E — — — NP Locko-bank STA B2 E+ B2 — — NP MDM Bank STA Ba1 D+ Ba1 Ba2 — NP Metallinvestbank JSCB NEG(m) B2 E+ — — — NP Metkombank STA B3 E+ — — — NP Moscow Bank for Reconstr.&Devel RUR B1 E+ B1 B2 — NP Moscow Capital Bank RUR Caa2 E — — — NP Moscow Mortgage Agency STA Ba2 E+ — — — NP My Bank STA B3 E+ B3 — — NP National Bank TRUST STA B1 E+ B1 — — NP National Factoring Company STA B2 E+ — — — NP National Reserve Bank STA B2 E+ — — — NP National Standard Bank STA — E+ B3 — — NP Natsionalny Kosmichesky Bank OAO STA B3 E+ — — — NP NBD Bank STA B2 E+ — — — NP Nomos Bank STA Ba3 D- Ba3 B1 — NP Petersburg Social Comm Bank STA B3 E+ — — — NP Petrocommerce Bank STA Ba3 D- Ba3 — — NP Promsvyazbank STA Ba2 D Ba2 Ba3 — NP Promtorgbank STA B3 E+ — — — NP Rosdorbank STA B3 E+ — — — NP Rosevrobank STA B1 E+ B1 — — NP Rosprombank STA B3 E+ — — — NP Rossiyskiy Kredit Bank STA Caa1 E — — — NP Rusfinance Bank STA Baa2 E+ — — — P-2 Russ-Bank, OJSC STA B2 E+ — — — NP Russian Agricultural Bank POS Baa1 E+ A3 Baa1 — P-2 Russian Bank for Development RUR Baa2 E+ — — — P-2 Russian International Bank STA B3 E+ — — — NP Russian Regional Develop. Bank STA Ba1 E+ — — — NP Russian Standard Bank NEG Ba2 D Ba2 Ba3 — NP Russlavbank STA B3 E+ — — — NP Sberbank STA(m) Baa1 D+ A2 A2 — P-2 SKB-Bank STA B2 E+ — — — NP SMP Bank STA B3 E+ — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 56 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Sobinbank POS(m) B3 E+ — — — NP Solidarnost NEG B3 E+ — — — NP Sovcombank STA B3 E+ — — — NP Stroykredit Bank STA B3 E+ — — — NP Sudostroitelny Bank STA B3 E+ — — — NP Sviaz-Bank RUR Caa2 E — — — NP Tatfondbank RUR B2 E+ B2 — — NP TranscapitalBank JSC Bank STA B1 E+ B1 B2 — NP TransCreditBank STA Ba1 D- Ba1 — — NP TRUST Investment Bank STA B1 E+ B1 — — NP TumenEnergoBank RUR Caa2 E — — — NP Uniastrum Bank RUR B2 E+ — — — NP Ural Bank for Reconstr. & Dev-t RUR B3 E+ — — — NP URSA Bank STA Ba3 D- Ba3 B1 — NP Vnesheconombank STA(m) Baa1 E+ — — — P-2 Vneshprombank STA B3 E+ — — — NP Vostochny Express Bank STA B3 E+ B3 — — NP Vozrozhdenie Bank STA Ba3 D- — — — NP VTB24 STA(m) Baa1 D- A2 A2 — P-2 ZAO Raiffeisenbank STA Baa1 D+ Baa1 Baa2 — P-2 Zenit Bank STA Ba3 D- Ba3 — — NP SAINT LUCIA First Citizens (St. Lucia) Ltd STA — — A1 — — — SAUDI ARABIA Al Rajhi Bank STA A1 C — — — P-1 Arab National Bank STA A1 C A1 A2 — P-1 Bank Al-Jazira STA A3 D+ — — — P-2 Banque Saudi Fransi STA(m) A1 C+ — — — P-1 National Commercial Bank STA A1 C — — — P-1 Riyad Bank STA A1 C — — — P-1 Samba Financial Group STA(m) A1 C+ — — — P-1 Saudi British Bank STA(m) A1 C+ NR — — P-1 Saudi Hollandi Bank STA A1 C- — — — P-1 Saudi Investment Bank STA A2 C- — — — P-1 SINGAPORE Axis Bank Ltd, Singapore Branch STA — — Baa2 Baa2 — — Barclays Bank PLC, Singapore NOO — — — — — P-1 Bayerische Hypo-Ver. Singapore STA — — A1 A2 — P-1 DBS Bank Ltd. STA Aa1 B — Aa2 — P-1 Deutsche Bank AG, Singapore Br. STA Aa1 — — — — P-1 DVB Group Merchant Bank (Asia) STA — — A1 — — — ICICI Bank Ltd, Singapore STA — — Baa2 Baa2 — — JPMorgan Chase Bk, NA, Singapore NEG Aa2 — Aaa — — P-1 Krung Thai Bank, Singapore Br. STA Baa1 — — — — — LBBW, Singapore Branch NEG — — Aa1 Aa2 — P-1 Nord/LB GZ (Singapore Branch) STA — — Aa1 — — P-1 Oversea-Chinese Banking Corp Ltd STA Aa1 B — Aa2 — P-1 Rabobank Nederland, Singapore Br STA — — Aaa Aa1 — P-1 Siam Commercial Bank (Singapore) STA — — A3 — — — Toronto Dominion(SouthEast Asia) STA — — Aaa Aa1 — P-1 United Overseas Bank Limited STA Aa1 B — Aa2 — P-1 SLOVAK REPUBLIC Ceskoslovenska obchodna banka STA A2 D — — — P-1 Eximbanka SR POS A1 — — — — P-1 Istrobanka, a.s. STA(m) — D- — — — — OTP Banka Slovensko, a.s. (OBS) RUR Baa1 D- — — — P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 57 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Privatbanka a.s. STA B2 E+ — — — NP Slovenska sporitelna, a.s. STA A1 C- — — — P-1 Tatra banka, a.s. STA A1 C- — — — P-1 UniCredit Bank Slovakia a.s. STA A2 D+ — — — P-1 Vseobecna uverova banka, a.s. STA Aa3 C- — — — P-1 SLOVENIA Abanka Vipa d.d. STA A3 D+ — — — P-2 Nova Kreditna banka Maribor d.d. STA A1 C- — A2 — P-1 Nova Ljubljanska banka d.d. STA Aa3 C — A1 — P-1 SOUTH AFRICA ABSA Bank Limited STA(m) Baa1 C A2 A2 — P-2 African Bank Limited STA Baa2 D+ — — — P-2 Development Bk of So. Africa POS — — — — A2 — FirstRand Bank Limited POS Baa1 C A2 A2 — P-1 Investec Bank Ltd. STA(m) Baa1 C A2 A3 — P-2 Nedbank Limited STA(m) Baa1 C — — — P-2 Standard Bank of South Africa STA(m) Baa1 C+ — — — P-2 SPAIN Banca March S.A. STA A2 C — — — P-1 Bancaja Emisiones, SA Uniperson. RUR — — A2 A3 — — Bancaja US Debt, S.A.U. STA — — A2 — — — Banco Bilbao Viz. Argentar. S.A. STA Aa1 B Aa1 Aa2 Aa1 P-1 Banco Cooperativo Espanol, S.A. STA A1 C+ — — — P-1 Banco Credito Local Espana STA Aa1 B Aa1 — — P-1 Banco De Valencia S.A. NEG A3 C- A3 Baa1 — P-2 Banco Espanol de Credito S.A. STA Aa2 B- Aa2 Aa3 — P-1 Banco Guipuzcoano NEG Baa1 C- — — — P-2 Banco Pastor, S.A. NEG A2 C A2 A3 A2 P-1 Banco Popular Espanol, S.A. STA Aa1 B+ — — — P-1 Banco Sabadell, S.A. STA Aa3 B- Aa3 A1 — P-1 Banco Santander S.A. (Spain) STA Aa1 B Aa1 Aa2 Aa1 P-1 Banesto Banco de Emisiones, S.A. STA — — Aa2 Aa3 — — Bankinter Emisiones,SA Uniperson STA — — — — — P-1 Bankinter, S.A. STA Aa3 B- Aa3 A1 — P-1 BBVA Capital Finance, S.A STA — — — — — — BBVA International Limited STA — — — — — — BBVA Senior Finance, SA Unipers. NOO — — Aa1 — — — BBVA Subordinated Capital, SA NOO — — — Aa2 — — BBVA U.S. Senior, SA Unipersonal STA — — Aa1 — — — STA A1 C+ — A2 A1 P-1 BPE Financiaciones, S.A. STA — — Aa1 Aa2 — — Caixa Catalunya NEG A2 C A2 A3 A2 P-1 Caixa Catalunya Prf. Issnce. Ltd NEG — — — — — — Caixa d'Estalvis de Manresa STA A2 C — A3 — P-1 Caixa d'Estalvis de Tarragona NEG Baa1 C- — — — P-2 Caixa d'Estalvis de Terrassa STA A3 C- A3 Baa1 — P-2 Caixa d'Estalvis del Penedes STA(m) A2 C — — — P-1 Caixa Galicia STA(m) A2 C A2 A3 A2 P-1 Caixanova NEG A1 C+ — — — P-1 Caja Ahorros Monte Piedad Madrid STA Aa3 C+ Aa3 A1 — P-1 Caja Ahorros Valencia, Bancaja STA A2 C A2 A3 A2 P-1 Caja Cantabria STA A2 C- A2 A3 — P-1 Caja de Ahorros de Avila NEG Baa1 C- — — — P-2 Caja de Ahorros de La Rioja STA A2 C- — — — P-1 Caja de Ahorros de Vitoria Alava STA A1 C+ — — — P-1 Caja de Ahorros del Mediterraneo NEG A2 C A2 A3 A2 P-1 Caja de Ahorros Mun. de Burgos STA A2 C — — A2 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 58 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Caja Duero STA A2 C — A3 A2 P-1 Caja Espana de Inversiones NEG A3 C- A3 Baa1 — P-2 Caja Insular de Ahor.de Canar. STA A3 C- A3 Baa1 — P-2 Caja Laboral Popular Coop.de Crt Cred. STA A1 C+ — — — P-1 Caja Rural de Granada STA A3 C- — — — P-2 Caja Rural de Navarra STA A2 C — — — P-1 Caja Segovia NEG Baa1 C- — — — P-2 Cajamar Cj. Rrl., Soc. Coop. Cr. STA A2 C A2 — — P-1 Confederacion Espanola Ahorro STA Aa2 B- — — — P-1 Dexia Sabadell, S.A. RUR A2 C+ — — — P-1 Ibercaja STA A1 C+ A1 A2 A1 P-1 Instituto de Credito Oficial STA — — Aaa — — P-1 STA Aa1 B Aa1 Aa2 Aa1 P-1 Lico Leasing, S.A. STA A2 — — — — P-1 Pastor Internacional Debt, S.A. NEG — — A2 A3 — P-1 Santander Consumer Finance S.A. STA A1 C+ A1 A2 — P-1 Santander Finance Preferred SA STA — — — — — — Santander Int'l Debt, S.A. NOO — — Aa1 Aa2 — P-1 Santander Iss. S.A. Unipersonal STA — — — Aa2 — — Santander Perpetual, SA Uniper. NOO — — — Aa2 — — Santander US Debt, SA Unipers. STA — — Aa1 — — — Unicaja STA Aa3 B- Aa3 A1 — P-1 SWEDEN Dexia Credit Local, Stockholm RUR — — — — — P-1 Dexia Public Finance Norden RUR Aa3 — — — — P-1 Foreningsbanken AB NOO — — — A1 — — Landshypotek AB (publ) STA A2 C+ — — — P-1 Lansforsakringar Bank AB (publ) STA A2 C A2 NR — P-1 Nordea Bank AB STA Aa1 B Aa1 Aa2 — P-1 Nordea Bank Sweden AB (publ) STA — — Aa1 Aa2 — — Nordea Hypotek AB (publ) STA — — Aa3 A1 — P-1 SEB STA Aa2 B- Aa2 Aa3 Aa2 P-1 Stadshypotek AB STA — — — — — P-1 Svenska Handelsbanken AB STA Aa1 B Aa1 Aa2 Aa1 P-1 Swedbank AB NEG Aa3 C+ Aa3 A1 Aa3 P-1 Swedbank Mortgage AB NEG — — Aa3 A1 Aa3 P-1 Swedish Export Credit Corp. STA — — Aa1 Aa2 Aa1 P-1 Swedish Housing Finance Corp NEG — — A1 A2 A1 P-1 Volvofinans Bank AB NEG(m) Baa1 C- — — — P-2 SWITZERLAND Bank Julius Baer & Co. AG STA Aa3 B- — — — P-1 Bank Morgan Stanley AG STA A1 C+ — — — P-1 Bank Vontobel AG STA A1 C+ — — — P-1 Banque Cantonale Vaudoise STA A1 C- — — — P-1 Banque SYZ & Co. S.A. STA A3 C — — — P-2 BSI AG STA A1 C+ — — — P-1 Clariden Leu AG STA Aa2 B- — — — P-1 Clientis AG STA A3 C — — — P-1 Credit Suisse STA Aa1 B Aa1 Aa2 Aa1 P-1 Credit Suisse (Old) STA — — — Aa2 — — Credit Suisse Group STA — — Aa2 Aa3 — P-1 EFG Bank STA A2 C+ — A3 — P-1 EFG International STA — — — — A2 — Financiere SYZ & Co. S.A. STA — — — — A3 — HSBC Private Bank (Suisse) SA STA Aa2 B — — Aa2 P-1 HSBC Private Bnkg Hlds (Suisse) SA STA — — — — Aa3 — Julius Baer Holding AG STA — — — — A1 — Raiffeisen Schweiz STA Aa1 C+ Aa1 — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 59 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term SIX SIS Ltd STA Aa1 B+ — — — P-1 SIX x-clear Ltd STA Aa1 B+ — — — P-1 St. Galler Kantonalbank STA Aa1 B- NR — — P-1 Swiss Bank Corporation NOO — — — Aa3 — — UBS AG STA Aa2 B- Aa2 Aa3 Aa2 P-1 Union Bank of Switzerland NOO — — — Aa3 — — Valiant Bank AG STA A1 C+ NR — — P-1 Vontobel Holding AG STA — — — — A2 — Zuercher Kantonalbank STA Aaa C+ Aaa — — P-1 TAIWAN Bank of Taiwan STA Aa3 D+ — — — P-1 Bank Sinopac STA Baa1 D+ — — — P-2 Cathay United Bank Co., Ltd RUR A1 C- — A2 — P-1 Chang Hwa Commercial Bank STA A3 D — — — P-1 China Dev. Industrial Bank STA Baa1 C- — — — P-2 Chinatrust Commercial Bank, Ltd. STA A2 C- — — — P-1 Chinatrust Financial Hold Co Ltd STA — — — — A3 — E. Sun Commercial Bank, Ltd. STA Baa1 D+ — — — P-2 E. Sun Financial Holding Co. Ltd STA — — — — Baa2 P-2 First Commercial Bank STA A3 D — — — P-1 First Financial Holding Company STA — — — — Baa1 — Fubon Financial Holding Co. Ltd. NEG — — — — Baa1 — Hua Nan Commercial Bank Ltd. STA A3 D — — — P-1 Land Bank of Taiwan STA Aa3 D — — — P-1 Mega Financial Holding Co., Ltd STA — — — — A3 — Mega Int'l Commercial Bank STA A1 C- — — — P-1 SinoPac Holdings STA — — — — Baa2 — Taipei Fubon Bank STA A2 C- — — — P-1 Taishin Financial Holding Co. RUR — — — — Baa3 — Taishin International Bank RUR Baa1 D+ — — Baa1 P-2 Taiwan Cooperative Bank STA A2 D — — — P-1 THAILAND Bangkok Bank STA Baa1 D+ — — — P-2 Bank of Ayudhya STA Baa2 D — — — P-2 Export-Import Bank of Thailand STA — — — — A3 — Government Housing Bank,Thailand STA Baa1 E+ — — — P-2 KASIKORNBANK Public Co. Ltd STA Baa1 D+ — — — P-2 Krung Thai Bank STA Baa1 D- — — — P-2 Siam City Bank Public Co. Ltd. STA Baa2 D — — — P-3 Siam Commercial Bank Public Co. STA Baa1 D+ — — — P-2 Stand. Charter. B (Thai) Pblc Co STA Baa1 D+ — — A3 P-2 TMB Bank Public Company Ltd STA Baa2 D- — — — P-2 UOB (Thai) Public Company Ltd STA Baa1 D — — — P-2 TRINIDAD & TOBAGO First Citizens Bank Limited STA Baa1 C- — — — P-2 TUNISIA Amen Bank STA Baa2 D- — — — P-2 Arab Tunisian Bank STA Baa2 D — — — P-2 Banque de Tunisie STA Baa2 D+ — — — P-2 Banque Int'le Arabe de Tunisie STA Baa2 D — — — P-2 Central Bank of Tunisia STA — — NR — — — Societe Tunisienne de Banque STA Baa2 E+ — — — P-2 TURKEY Akbank TAS STA B1 C- — — — NP Anadolubank AS POS(m) B1 D — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 60 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Asya Katilim Bankasi A.S. STA B1 D — — — NP Bankpozitif Kredi Kalk Bk A.S. STA B1 D — — — NP Denizbank A.S. STA B1 C- — — — NP Ekspo Faktoring A.S. STA — — — — Ba3 — Eurobank Tekfen AS STA B1 D- — — — NP Finans Finansal Kiralama A.S. STA — — — — Ba1 — Finansbank AS STA B1 C- — — — NP HSBC Bank A.S. (Turkey) STA B1 C- — — — NP T.C. Ziraat Bankasi STA B1 D+ — — — NP Toplu Konut Idaresi Baskanligi STA — — — — Ba3 — Turk Ekonomi Bankasi AS POS(m) B1 D+ — — — NP Turkiye Garanti Bankasi AS STA B1 C- — — — NP Turkiye Is Bankasi AS STA(m) B1 D+ — — — NP Turkiye Sinai Kalkinma Bank. AS STA B1 D+ — — — NP Turkiye Vakiflar Bankasi TAO STA B1 D+ — — — NP Yapi ve Kredi Bankasi AS STA(m) B1 D+ — — — NP UKRAINE Active-Bank STA B3 E+ — — — NP Alfa Bank Ukraine STA B2 E+ Ba3 — — NP Bank Evropeyskiy STA B3 E+ — — — NP Bank Finance and Credit, OJSC STA B2 E+ B1 — — NP Bank Nadra STA B2 E+ B1 — — NP Calyon Bank Ukraine STA B2 D Baa1 — — NP Credit Dnepr Bank POS(m) B3 E+ B3 — — NP DonGorBank, CJCS STA B2 E+ B2 — — NP Express-Bank STA B3 E+ — — — NP First Ukrainian Int'l Bk, CJSC STA B2 E+ B1 — — NP Forum Bank STA(m) B2 E+ Ba3 — — NP Imexbank JSCB STA B3 E+ — — — NP Index-Bank STA B2 E+ — — — NP Industrialbank, JSCB STA B3 E+ — — — NP ING Bank Ukraine STA B2 D — — — NP Khreschatyk Bank STA B2 E+ — — — NP Kreditprombank STA B2 E+ — — — NP OTP Bank (Ukraine) STA B2 D — — — NP Pivdennyi Bank, JSCB STA B2 E+ B2 — — NP Pravex-Bank STA B2 E+ Ba2 — — NP Privatbank STA B2 D- Ba3 Ba3 — NP Prominvestbank RUR Caa2 E — — — NP Raiffeisen Bank Aval STA B2 D Baa2 — — NP Rodovid Bank RUR B3 E+ B3 — — NP Savings Bank of Ukraine STA B2 E+ Ba1 — — NP Subsidiary Bank Sber of Russia STA B2 E+ Ba2 — — NP Swedbank Invest STA B2 E+ Ba2 — — NP Swedbank OJSC STA B2 E+ — — — NP Ukreximbank STA B2 D- Ba3 Ba3 — NP Ukrgasbank STA B2 E+ — — — NP Ukrgazprombank STA B3 E+ — — — NP Ukrprombank STA B2 E+ — — — NP UkrSibbank STA B2 D Ba3 — — NP Ukrsotsbank STA B2 D Ba3 — — NP VAB Bank STA B2 E+ B2 — — NP UNITED ARAB EMIRATES Abu Dhabi Commercial Bank STA Aa3 C- Aa3 A1 — P-1 Abu Dhabi Islamic Bank STA — D — — A2 P-1 Arab Bank Plc (Dubai Branch) STA A3 — — — — P-2 Commercial Bank of Dubai PSC STA A2 D+ — — — P-1 Dubai Bank POS — D — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 61 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Dubai Islamic Bank PJSC STA — D+ — — A1 P-1 Emirates Bank Int'l PJSC STA A1 C- A1 A2 — P-1 First Gulf Bank STA A2 D+ A2 A3 — P-1 HSBC Bk Middle E. Ltd (UAE Br) STA Aa2 — — — — P-1 MashreqBank psc STA A2 C- A2 A3 — P-1 National Bank of Abu Dhabi STA Aa3 C Aa3 — — P-1 National Bank of Dubai PJSC STA A1 C- A1 A2 — P-1 National Bank of Ras-Al-Khaimah STA Baa1 D+ Baa1 — — P-2 Tamweel PJSC STA — — — — A3 P-2 Union National Bank PJSC STA A1 D+ A1 — — P-1 UNITED KINGDOM Abbey Nat'l Treasury Int'l Ltd. STA — — Aa3 — — P-1 Abbey Nat'l Treasury Services STA Aa3 — Aa3 A1 — P-1 Abbey National plc STA Aa3 C+ (P)Aa3 A1 Aa3 P-1 ABN AMRO Bank N.V. London Branch DEV — — Aa2 — — — Alliance & Leicester Gp Trsy STA — — Aa3 — — P-1 Alliance & Leicester plc STA Aa3 C+ Aa3 A1 Aa3 P-1 Alpha Credit Group plc STA — — A1 A2 — P-1 ANZ National (Int'l) Ltd,London STA — — Aa2 Aa3 — P-1 ASB Finance Limited, London Br STA — — Aa2 Aa3 — P-1 Attica Funds plc STA — — — Ba2 — — Banca Monte dei Paschi, London STA — — Aa3 A1 — P-1 Banco Bilbao Viz Arg, SA Ldn Br STA Aa1 — — — — P-1 Banco Espirito Santo, London STA — — — — — P-1 Banco Pop Societa Coop, Lndn Br STA — — — — — P-1 Banco Sabadell S.A., London Br STA Aa3 — — — — P-1 Banco Santander Totta SA, London STA — — Aa3 A1 — P-1 Bank of Baroda (London) STA — — Baa2 Baa2 — — Bank of India (London) STA — — Baa2 Baa2 — — Bank of Scotland plc RUR Aa1 B Aa1 Aa2 Aa1 P-1 Barclays Bank PLC RUR Aa1 B Aa1 Aa2 Aa1 P-1 Barclays Financial LLC STA — — Aa1 — — P-1 Barclays Plc RUR — — — — Aa2 P-1 Bayerische Landesbank, London STA — — Aaa — — — Bradford & Bingley plc NEG Baa3 — Baa3 Ca — P-3 Bradford&Bingley Capital Fnd.LP NEG — — — C — — Bremer Landesbank Capital Mkts NOO — — Aa1 — — — Bristol & West plc NOO — — — Aa3 — — Britannia Building Society NEG A2 C A2 A3 — P-1 Cariverona Banca SpA (London) STA — — Aa3 — — — Chelsea Building Society NEG A2 C A2 A3 — P-1 Cheltenham & Gloucester plc RUR Aaa B+ Aaa Aa1 Aaa P-1 Cheshire Building Society RUR A3 C- A3 Baa1 — P-2 CIBC World Markets plc NEG Aa2 — Aa2 Aa3 — P-1 Citibank International Plc RUR Aa3 B Aa3 A1 — P-1 Citibank, N.A. (London Branch) RUR — — Aa1 — — P-1 Close Brothers Ltd. STA A2 C+ — — — P-1 Clydesdale Bank plc STA Aa3 B- Aa3 A1 — P-1 Co-Operative Bank Plc STA A2 C A2 A3 — P-1 Commerzbank AG, London Branch STA — — — — — P-1 Coventry Building Society STA A2 C+ A2 A3 — P-1 Credit Agricole S.A., London RUR — — Aa1 Aa2 — — Credit Suisse (London) Branch STA Aa1 — Aa1 Aa2 — P-1 Credit Suisse International STA Aa1 — Aa1 Aa2 Aa1 P-1 DB UK Bank Limited STA Aa3 C — — Aa3 P-1 DEPFA Funding II LP RUR — — — Ba3 — — Derbyshire Building Society RUR A3 C- A3 Baa1 — P-2 Deutsche Bank AG, London Brch STA — — Aa1 Aa1 — P-1 DKB International PLC STA — — Aa2 — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 62 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Dunfermline Building Society RUR A3 C- A3 Baa1 — P-2 EFG Hellas PLC STA — — Aa3 A1 — P-1 Egg Banking Plc STA — — Aa3 A1 — — Halifax plc RUR — — Aa1 Aa2 — — HBOS plc RUR — — Aa2 Aa3 Aa2 P-1 HBOS Treasury Services Plc NOO — — Aa1 — — — HFC Bank plc STA — — Aa3 A1 — P-1 HSBC Bank plc STA Aa1 B Aa1 Aa2 Aa1 P-1 HSBC Holdings plc STA — — Aa2 Aa3 — P-1 HSH Nordbank, London Branch STA — — Aa1 Aa1 — P-1 ICICI Bank UK Plc. STA Baa2 D Baa2 Baa3 — P-2 Investec Bank (UK) Ltd NEG(m) Baa1 C- — — — P-2 Investec PLC NEG — — — — Baa2 P-2 J.P. Morgan Securities Ltd NEG — — — — Aaa P-1 JPMorgan Chase Bank, London NEG — — Aaa — — P-1 Landesbank Berlin, London Br. STA — — A1 A2 — P-1 LB Baden-Wuerttemberg Capl Mkts STA — — Aaa — — P-1 Leeds Building Society STA A2 C+ A2 A3 — P-1 Leeds Permanent Building Soc. NOO — — — Aa2 — — Lloyds TSB Bank Plc RUR Aaa B+ Aaa Aa1 — P-1 Lloyds TSB Group plc RUR — — Aa1 Aa2 — — Mitsubishi UFJ Trust Int. Ltd NEG — — — — Aa2 — Mizuho International plc NEG — — Aa2 — — P-1 Morgan Stanley Bank Int''l Ltd. RUR A1 B- — — A1 P-1 Nat. Australia Cap. Secs. NEG — — — Aa2 — — National Westminster Bank PLC STA Aa1 B Aa1 Aa2 Aa1 P-1 Nationwide Building Society NEG Aa2 B Aa2 Aa3 — P-1 Newcastle Building Society STA A2 C A2 A3 — P-1 Nord/LB Norddeutsche Sec. plc STA — — Aa1 Aa1 — P-1 Northern Rock plc DEV A2 E+ A2 B1 — P-1 Norwich & Peterborough Bldg Soc STA A2 C — — — P-1 Nottingham Building Society STA A3 C- — — — P-2 Portman Building Society STA — — Aa2 Aa3 — — Principality Building Society RUR A2 C A2 A3 — P-1 RBC Dexia Investor Services Ltd STA — — — — Aa3 — Royal Bank of Canada (London) STA Aaa — Aaa Aa1 — P-1 Royal Bank of Scotland Group plc STA — — Aa2 Aa3 — P-1 Royal Bank of Scotland plc STA Aa1 B Aa1 Aa2 — P-1 Scarborough Building Society RUR A3 C- — Baa2 — P-2 Scotiabank Europe Plc STA — — Aa1 — — — Skipton Building Society STA(m) A2 C+ A2 A3 — P-1 Standard Bank Plc STA A3 C- A3 Baa1 — P-2 Standard Chartered Bank STA A2 C+ A2 A3 — P-1 Standard Chartered PLC STA — — A3 Baa1 — NR Standard Life Bank Limited STA A2 C- — — — P-1 Standard Life Funding B.V. STA — — A2 A3 — P-1 State Bank of India, London STA — — Baa2 Baa2 — P-3 Sumitomo Mitsui Banking Europe STA Aa2 C — — — P-1 UBS AG, London Branch STA — — Aa2 Aa3 — P-1 UBS Limited STA — — — — Aa2 P-1 Ulster Bank Limited STA Aa2 C+ — — Aa2 P-1 VTB Bank Europe plc STA Baa2 D — — — P-2 Wellcome Trust STA — — — — Aaa — Wellcome Trust Finance plc STA — — Aaa — — — West Bromwich Building Society STA A3 C- A3 Baa1 — P-2 Westpac Securities NZ, London STA — — Aa2 — — P-1 Woolwich plc RUR — — Aa1 Aa2 — — Yorkshire Building Society NEG A2 C A2 A3 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 63 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

UNITED STATES ABN AMRO Bank N.V., Chicago STA Aa2 — — Aa3 — — ABN-AMRO Bank N.V., New York STA Aa2 — — Aa3 — — Allfirst Financial Inc. STA — — — A3 — — Allied Irish Banks, NY STA — — — — — P-1 Amarillo National Bank STA A3 C — — A3 P-2 Amegy Bank National Assoc. RUR A2 C+ — — A2 P-1 Amegy Corporation RUR — — — — A3 — American Express Bank Ltd. STA — — A2 A3 A2 P-1 American Express Bank, FSB NEG A1 B- A1 A2 A1 P-1 American Express Centurion Bank NEG A1 B- A1 A2 A1 P-1 American Savings Bank, FSB STA A3 C — — A3 P-2 AmSouth Bancorporation NEG — — — A3 — — AmSouth Bank NEG — — — A2 — — Associated Banc-Corp NEG — — (P)A2 A3 — P-1 Associated Bank, N.A. NEG A1 B- A1 A2 — P-1 Astoria Federal Savings & Loan STA A1 B- — — A1 P-1 Astoria Financial Corporation NEG — — A2 — A2 — B.F. Saul Real Est. Inv. Tr. NEG — — — — Ba3 — Banca Intesa, New York branch STA Aa2 — — Aa3 — — Banco Bradesco S.A., (New York) — — — Baa3 — — — Banco Estado, New York Branch STA A2 — — — — P-1 Banco Popular de Puerto Rico NEG A2 C+ — — A2 P-1 Banco Santander Puerto Rico NEG A2 C A2 — A2 P-1 BancorpSouth Bank STA A2 C+ — — A2 P-1 BancorpSouth, Inc. STA — — — — A3 — BancWest Corporation STA — — — A3 — — Bank of America Corporation RUR — — Aa2 Aa3 Aa2 P-1 Bank of America, N.A. RUR Aaa A- Aaa Aa1 Aaa P-1 Bank of Hawaii STA Aa3 B — A1 Aa3 P-1 Bank of Hawaii Corporation STA — — A1 — — — Bank of Ireland, Connecticut Br. NEG Aa2 — — — — — Bank of Montreal, Chicago Br. STA Aa1 — Aa1 — — — Bank of Nevada NEG Baa2 C- — — Baa2 P-2 Bank of New York Mellon (The) STA Aaa B+ Aaa Aa1 Aaa P-1 Bank of New York Mellon Corp. STA — — Aa2 Aa3 Aa2 P-1 Bank of Nova Scotia, NY STA — — — Aa2 — — Bank of Nova Scotia, Portland STA Aa1 — — — — — Bank of Oklahoma, N.A. STA A1 B- — A2 A1 P-1 Bank of Scotland/New York RUR Aa1 — — — — — Bank of the West STA(m) Aa3 B- — — Aa3 P-1 Bank of Tokyo-Mitsub.UFJ Trust NEG Aa2 C- — — Aa2 P-1 BANK ONE CORPORATION NEG — — Aa2 Aa3 — P-1 Bank One N.A. (Chicago) NEG Aaa — Aaa Aa1 — P-1 Bank One, Delaware, N.A. NEG — — Aaa Aa1 — P-1 Bank One, Illinois, N.A. NEG Aaa — — — — — Bank One, Michigan NEG — — — Aa1 — — Bank One, National Association NEG — — Aaa Aa1 — P-1 Bank United RUR — — — C — — BankAmerica Corporation RUR — — Aa2 Aa3 — — Banque Paribas, New York Branch STA — — — Aa2 — — Barclays Bank PLC, New York RUR Aa1 — — — — — Bayerische Landesbank, New York STA Aa2 — Aa2 Aaa — P-1 BB&T Corporation STA — — (P)Aa3 A1 Aa3 P-1 BB&T Financial, FSB STA Aa2 B+ — — — P-1 BBV Argentaria Puerto Rico STA Aa3 C — A1 Aa3 P-1 Bk of Tokyo-Mitsubishi UFJ, Ltd. NEG — — — Aa3 — — BMW Bank of North America NEG(m) A2 C — — A2 P-1 BNP Paribas, New York Branch STA Aa1 — — — — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 64 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term BNY Mellon National Association STA Aaa B+ — Aa1 Aaa P-1 BNY Mellon Trust of Delaware STA Aaa B+ Aaa — Aaa P-1 Boatmen's Bancshares Inc. RUR — — — Aa3 — — BOK Financial Corporation STA — — A2 — — — Branch Banking and Trust Co. STA Aa2 B+ P-1 Aa3 Aa2 P-1 Caixa Geral de Depositos/NY STA Aa1 — — — — — California Bank & Trust RUR A2 C+ — — A2 P-1 CALYON, New York Branch RUR Aa1 — — — — P-1 Canadian Imprl Bnk of Comm NY NEG Aa2 — — — — — Capital One Bank NEG A2 C+ A2 A3 A2 P-1 Capital One Financial Corp. NEG — — A3 Baa1 — — Capital One, N.A. NEG A2 C+ — — A2 P-1 Carolina First Bank NEG(m) Baa1 C- — — Baa1 P-2 Central Corporate Credit Union STA — — — — — P-1 Charter One Bank, N.A. STA — — Aa3 A1 — — Chase Bank USA, N.A. NEG Aaa B Aaa Aa1 Aaa P-1 Chase Manhattan Corporation (OLD) NEG — — Aa2 Aa3 Aa2 — Chevy Chase Bank FSB NEG Baa2 C- — Baa3 Baa2 P-2 Chittenden Corporation NOO — — — Baa1 — — Citibank (South Dakota), N.A. RUR Aa1 B — — Aa1 P-1 Citibank, N.A. RUR Aa1 B Aa1 — Aa1 P-1 Citicorp RUR — — Aa3 A1 — — Citigroup Capital XIII RUR — — — — — — Citigroup Inc. RUR — — Aa3 A1 — P-1 Citizens Bank of Pennsylvania STA Aa3 B — — Aa3 P-1 Citizens Bank, Michigan NEG A2 C+ — — A2 P-1 Citizens Republic Bancorp, Inc. NEG — — — Baa1 A3 P-2 City National Bank STA Aa3 B — A1 Aa3 P-1 City National Corporation STA — — A1 — A1 — Colonial BancGroup, Inc. (The) NEG — — — Baa3 Baa2 — Colonial Bank NEG Baa1 C- — Baa2 Baa1 P-2 Columbus Bank & Trust Co. STA A2 C+ — — A2 P-1 Comerica Bank STA A1 B- A1 A2 A1 P-1 Comerica Incorporated STA — — A2 A3 A2 P-1 Commerce Bancshares, Inc. STA — — — — — P-1 Commerce Bank, N.A. STA Aa2 B+ — — Aa2 P-1 Commerzbank AG, New York Branch STA Aa3 — — — — — Compass Bancshares, Inc. NEG — — A1 (P)A2 A1 — Compass Bank NEG Aa3 B- Aa3 A1 Aa3 P-1 Corporate Central Credit Union STA — — — — — P-1 Corporate One FCU STA — — — — — P-1 Countrywide Bank FSB STA(m) Aaa B+ — — Aaa P-1 Countrywide Financial Corp. RUR — — Aa2 Aa3 — P-1 Credit Industriel et Comm., NY STA Aa3 — — — — — Credit Suisse (New York) Branch STA Aa1 — Aa1 Aa2 — P-1 Credit Suisse Group Fin.(US)Inc. STA — — Aa2 Aa3 — — Credit Suisse Grp Fin (DE) LLCI STA — — (P)Aa2 (P)Aa3 — — Cullen/Frost Bankers, Inc. STA — — — A2 A1 — DEPFA Bank plc New York Agency RUR A2 — — — — P-1 Deutsche Bank AG, New York STA Aa1 — — — — P-1 Deutsche Bank Americas Fin. LLC STA — — Aa1 — — — Deutsche Bank Financial LLC STA — — Aa1 Aa2 — P-1 Deutsche Bank National Trust Co STA Aa3 C — — Aa3 P-1 Deutsche Bank Trust Co. Americas STA Aa3 C Aa3 A1 Aa3 P-1 Deutsche Bank Trust Co. Delaware STA Aa3 C — — Aa3 P-1 Deutsche Bank Trust Corporation STA — — A1 A2 A1 P-1 Dexia Credit Local, NY RUR Aa3 — — — — P-1 Discover Bank STA Baa2 C- Baa2 Baa3 Baa2 P-2 Discover Financial Services STA — — Baa3 — — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 65 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term DNB NOR Bank ASA, New York NEG Aa1 — — — — P-1 Doral Financial Corporation STA — — B1 — — — Downey Financial Corp. RUR — — Ca — Ca — Downey Savings & Loan Assn. RUR B3 E — — Ca NP Dresdner Bank AG, NY Branch STA(m) — — — A1 — — E*TRADE Bank NEG Ba3 D- — — Ba3 NP Erste Bank, New York STA Aa3 — — — — — Erste Finance (Delaware) LLC STA — — — — — P-1 Eurohypo AG, New York Branch STA A1 — — — — — European-American Bank RUR — — Aa2 — — — FIA Card Services, N.A. RUR Aaa A- Aaa Aa1 Aaa P-1 Fifth Third Bancorp NEG — — A1 A2 A1 P-1 Fifth Third Bank, Michigan NEG Aa3 B Aa3 A1 Aa3 P-1 Fifth Third Bank, Ohio NEG Aa3 B Aa3 A1 Aa3 P-1 First Chicago NBD Corporation NEG — — Aa2 Aa3 — — First Commercial Bank STA A2 C+ — — — P-1 First Hawaiian Bank STA Aa3 B- — — Aa3 P-1 First Horizon National Corp. NEG — — (P)Baa1 Baa2 Baa1 — First Massachusetts Bank NA STA — — — Aa3 — — First Midwest Bancorp, Inc. STA — — (P)A3 Baa1 A3 — First Midwest Bank STA A2 C+ — — A2 P-1 First National Bank of Omaha STA A3 C — Baa1 A3 P-2 First Tennessee Bank, N.A. NEG A3 C A3 Baa1 A3 P-2 First Union Nat'l Bk Of Florida RUR — — — Aa3 — — First-Citizens Bank & Tr. Co. STA A1 B- — A2 A1 P-1 Firstar Bank, N.A. STA — — — Aa2 — — FirstBank Puerto Rico STA Ba1 D+ Ba1 — Ba1 NP FirstMerit Bank, N.A. STA A1 B- — — A1 P-1 Flagstar Bank, FSB RUR Ba1 D+ — — Ba1 NP Fleet National Bank (Old) STA — — — Aa1 — — FleetBoston Financial Corp. RUR — — — Aa3 — — Fortis Bank, New York RUR A1 — A1 A2 — — Frost National Bank STA Aa3 B — A1 Aa3 P-1 Fulton Bank NEG A1 B- — — A1 P-1 Fulton Capital Trust I NEG — — — — — — Fulton Financial Corporation NEG — — — A3 A2 — Golden West Financial Corp. RUR — — A1 — A1 — Goldman Sachs Bank USA NEG Aa3 B — — Aa3 P-1 Greater Bay Bancorp RUR — — Aa1 — — — GreenPoint Bank NEG — — — A3 — — Hancock Bank STA A1 B- — — A1 P-1 Hancock Bank of Louisiana STA A1 B- — — A1 P-1 Hancock Holding Company STA — — — — A2 — Harris Bankcorp, Inc. STA — — — — — P-1 Harris N.A. STA Aa3 B- Aa3 A1 Aa3 P-1 Hibernia Corporation NEG — — — Baa1 — — HSBC Bank USA, N.A. STA Aa2 C+ Aa2 Aa3 Aa2 P-1 HSBC USA Inc. STA — — Aa3 A1 — P-1 HSH Nordbank, New York Branch STA Aa2 — Aa2 — — P-1 Hudson United Bank STA — — — Aa3 — — Hudson Valley Bank STA A2 C+ — — A2 P-1 Huntington Bancshares Inc. STA — — A3 Baa1 — P-2 Huntington National Bank STA A2 C+ A2 A3 A2 P-1 Imperial Bank STA — — — A2 — — Independence Community Bank RUR — — — Baa2 — — Independence Community Bank Corp RUR — — Baa2 — — — Independent Bank STA Baa1 C- — — Baa1 P-2 ING (US) Issuance LLC STA — — Aa2 — — — Integra Bank National Associat. STA A3 C — — A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 66 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term INTRUST Bank, N.A. STA A3 C — — A3 P-2 INTRUST Financial Corp. STA — — — — Baa1 — J.P. Morgan & Co. Incorporated NEG — — Aa2 Aa3 Aa2 P-1 JPMorgan Chase & Co. NEG — — Aa2 Aa3 Aa2 P-1 JPMorgan Chase Bank, N.A., NY BR NEG — — Aaa Aa1 — — JPMorgan Chase Bank, NA NEG Aaa B+ Aaa Aa1 Aaa P-1 KeyBank National Association STA A1 B- A1 A2 A1 P-1 KeyCorp STA — — A2 A3 A2 P-1 Korea Development Bank, NY Br. NEG(m) — — — — — P-1 Landesbank Baden-Wuerttemberg, New York Branch STA Aa1 — Aa1 Aaa — P-1 Landesbank Hessen-Thuerin., NY STA Aa2 — — — — — LaSalle Bank Corporation RUR — — — — — P-1 LaSalle Funding LLC RUR — — Aa2 (P)Aa3 — — LaSalle National Corporation RUR — — — — — — Lehman Brothers Bank, FSB RUR — — — — — NP Lehman Brothers Commercial Bank RUR B3 — — — — NP M&I Bank FSB NEG Aa3 B — — Aa3 P-1 M&I LLC NEG — — A1 A2 — — M&I Marshall & Ilsley Bank NEG Aa3 B Aa3 A1 Aa3 P-1 M&T Bank Corporation STA — — A2 (P)A3 A2 — Manufacturers & Traders Tr Co STA A1 B- — A2 A1 P-1 Marshall & Ilsley Corporation NEG — — A1 A2 — P-1 MBNA Corporation RUR — — Aa2 Aa3 — — Members Untd Corp Fed. Credit STA — — — — — P-1 Mercantile Bankshares Corp. NEG — — — A2 — — Merchants National Corp RUR — — A3 — — — Meridian Bancorp, Inc. RUR — — (P)A2 (P)A3 — — Merrill Lynch Bank & Trust Co RUR A2 C+ — — A2 — Merrill Lynch Bank USA RUR A2 C+ A2 A3 A2 P-1 Monogram Credit Card Bank of GA STA Aaa — — — — P-1 Morgan Gty. Trust Co. of NY NEG — — Aaa — — — Morgan Stanley Bank, N.A. RUR A1 B- — — A1 P-1 National Australia Bk, NY Br. NEG — — Aa1 — — — National City Bank RUR A2 C+ A2 A3 A2 P-1 National City Bank of Kentucky RUR — — — A3 — — National City Bank, Indiana RUR — — A2 A3 — — National City Bk of Pennsylvania RUR — — — A3 — — National City Corporation RUR — — A3 Baa1 — — National Commerce Financial Corp STA — — (P)A1 (P)A2 A1 — Natl Bank of Canada, NY Branch STA Aa2 — — — — P-1 NBD Bancorp, Inc. NEG — — — Aa3 — — Nevada State Bank RUR A2 C+ — — A2 P-1 New York Community Bancorp, Inc STA — — — — A3 — New York Community Bank STA A2 C+ — — — P-1 Norddeutsche Landesbank GZ, NY STA Aa2 — — — — P-1 Nordea Bank Finland Plc, NY Br STA Aa1 — — Aa2 — — North Fork Bancorporation, Inc. NEG — — — Baa1 — — Northern Trust Company STA Aa3 B Aa3 A1 Aa3 P-1 Northern Trust Corporation STA — — A1 (P)A2 A1 P-1 Old National Bancorp NEG — — A2 A3 — — Old National Bank NEG A1 B- A1 A2 A1 P-1 Pacific Capital Bancorp NEG — — — — A3 — Pacific Capital Bank, N.A. NEG A2 C+ — — A2 P-1 People's United Bank POS A2 C+ — A3 A2 P-1 People's United Financial Inc. POS — — — — A3 P-2 PNC Bank, Delaware NEG Aa3 B — — Aa3 P-1 PNC Bank, N.A. NEG Aa3 B Aa3 A1 Aa3 P-1 PNC Financial Services Grp., Inc NEG — — — (P)A2 A1 — Popular North America, Inc. NEG — — A3 Baa1 — — [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 67 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term Popular, Inc. NEG — — A3 Baa1 — — Provident Bank RUR — — — A3 — — Prudential Bank & Trust, FSB STA A1 B- — — A1 P-1 Rabobank Nederland, NY Branch STA Aaa — Aaa — — P-1 RBC Bank (USA) STA Aa3 C- Aa3 A1 Aa3 P-1 RBCF L.P. STA — — Aaa — — — RBS Citizens, NA STA Aa3 B — — Aa3 P-1 Regions Bank NEG A1 B- A1 A2 A1 P-1 Regions Financial Corporation NEG — — A2 A3 A2 P-1 Regions Financing Trust II NEG — — — — — — Republic National Bank of NY STA Aa2 — Aa2 — — P-1 Republic New York Corporation STA — — — A1 — — Riggs National Corporation NEG — — — A2 — — Roslyn Bancorp, Inc. STA — — A3 — — — Royal Bank of Canada (New York) STA Aaa — — — — — Royal Bank of Scotland, N.Y. STA Aa1 — — — — — Scotiabanc Inc. STA — — — — — P-1 SEB (NY) STA Aa2 — Aa2 — — — Security Pacific Corp. RUR — — Aa2 Aa3 — — SG Structured Products, Inc. STA — — Aa2 — — P-1 Shinhan Bank, New York Branch STA — — — — — P-1 Silicon Valley Bank STA A2 C+ A2 A3 A2 P-1 Sky Bank STA — — — A3 — — Sky Financial Group, Inc. STA — — — Baa1 — — Societe Generale STA — — Aa2 — — P-1 Societe Generale, NY Branch STA Aa2 — — — — P-1 South Carolina National Corp. RUR — — — A2 — — SouthTrust Bank RUR — — — Aa3 — NR SouthTrust Bank of GA., N.A. RUR — — — A2 — — SouthTrust Corporation RUR — — — A2 — — Sovereign Bancorp, Inc. RUR — — Baa2 (P)Baa3 — — Sovereign Bank RUR Baa1 C- — Baa2 Baa1 P-2 Stadshypotek Delaware, Inc. STA — — — — — P-1 State Street Bank and Trust Co. NEG Aa1 B+ Aa1 Aa2 Aa1 P-1 State Street Corporation NEG — — Aa3 A1 — P-1 Sumitomo Mitsui Bkg Corp., NY Br STA — — — Aa3 — — Sumitomo Trust & Bnk. Co. (US) STA — — — — Aa3 — SunCorp Corporate Credit Union STA — — — — — P-1 SunTrust Bank STA Aa3 B Aa3 A1 Aa3 P-1 SunTrust Banks, Inc. STA — — A1 A2 A1 P-1 Susquehanna Bancshares, Inc. NEG — — — Baa2 — — Susquehanna Bank PA NEG A3 C — — A3 P-2 SVB Financial Group STA — — A3 — A3 — Svenska Handelsbanken, NY Branch STA Aa1 — — — — — Swiss Bank Corp., NY Branch NOO — — — Aa3 — — Synovus Financial Corp. STA — — — Baa1 — — TCF National Bank STA A1 B- — A2 A1 P-1 TD Bank, N.A. STA Aa2 B- — — Aa2 P-1 TD Banknorth Inc STA — — — — A1 — Texas State Bank NEG Aa3 B- — — Aa3 P-1 Toronto-Dominion Bank, NY STA Aaa — Aaa — — — Toronto-Dominion Hldgs (USA) STA — — — — — P-1 Trustmark Corporation STA — — — — A3 — Trustmark National Bank STA A2 C+ — A3 A2 P-1 U.S. Bancorp STA — — Aa2 Aa3 Aa2 P-1 U.S. Bancorp (Old) STA — — — Aa3 — — U.S. Bank National Assoc. ND STA Aa1 A- — — Aa1 P-1 U.S. Bank National Association STA Aa1 A- Aa1 Aa2 Aa1 P-1 UBS AG, New York Branch STA Aa2 — Aa2 Aa3 — P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 68 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term UBS AG, Stamford Branch STA Aa2 — Aa2 Aa3 — P-2 UMB Bank, N.A. STA A2 C+ — — A2 P-1 UMB Financial Corporation STA — — A3 — — — Unicredito Italiano SpA, NY STA Aa3 — — — — — Union Bank of California, N.A. STA Aa3 B Aa3 A1 Aa3 P-1 Union Planters Bank, N.A. NEG — — — A2 — — Union Planters Corporation NEG — — A2 A3 — — UnionBanCal Corporation STA — — — A2 — — United Bank STA A2 C+ — — A2 P-1 United Bank, Inc. STA A2 C+ — — A2 P-1 United Commercial Bank NEG Baa2 C- — — Baa2 P-2 US Central Federal Credit Union STA — — Aa1 — — P-1 Valley National Bank STA A1 B- — A2 A1 P-1 Wachovia Bank, N.A. RUR Aa2 B Aa2 Aa3 Aa2 P-1 Wachovia Bank, N.A. (Old) RUR — — Aa3 — — P-1 Wachovia Corporation RUR — — A1 A2 — P-1 Wachovia Corporation (Old) RUR — — A1 A2 — — Washington Mutual Bank RUR — — Ca C — — Washington Mutual, Inc. RUR — — Caa2 C — — Webster Bank N.A. STA A2 C+ — A3 A2 P-1 Webster Capital Trust IV STA — — — — — — Webster Financial Corporation STA — — A3 (P)Baa1 A3 — Wells Fargo & Company RUR — — Aa1 Aa2 Aa1 P-1 Wells Fargo Bank Northwest, N.A. RUR Aaa A Aaa — Aaa P-1 Wells Fargo Bank, N.A. RUR Aaa A Aaa Aa1 Aaa P-1 Western Alliance Bancorporation NEG — — — — Baa3 — Western Corp. Fed. Credit Union STA — — Aa3 — — P-1 Western Financial Bank, FSB RUR — — — Aa3 — — WestLB AG, New York Branch NEG A2 — A2 Aa1 — P-1 Westpac Banking Corp. (NY) STA Aa1 — Aa1 — — P-1 Westpac Capital Trust II STA — — — — — — Whitney Holding Corporation NEG — — — — A3 — Whitney National Bank NEG A2 C+ — A3 A2 P-1 Wilmington Trust Company STA A1 B- — — A1 P-1 Wilmington Trust Corporation STA — — (P)A2 A3 A2 — World Savings Bank, FSB RUR Aa2 B Aa2 — Aa2 P-1 Zions Bancorporation RUR — — A3 Baa1 — P-2 Zions First National Bank RUR A2 C+ — — A2 P-1 URUGUAY ABN AMRO Bank N.V.,Montevideo Br STA(m) B2 — — — — NP Banco Bandes Uruguay S.A. RUR B2 E+ — — — NP Banco de la Nacion Argt (Urg) STA Caa1 — — — — NP Banco Hipotecario del Uruguay STA(m) B1 E — — — NP Banco Itau Uruguay S.A. STA(m) B2 D — — — NP Banco Republica Orient. Uruguay STA(m) B1 D- — — — NP Banco santander, S.A. (Uruguay) STA(m) B2 D — — — NP Credit Uruguay Banco S.A. STA(m) B2 D — — — NP Lloyds TSB Bank plc (Uruguay) STA(m) B2 — — — — NP UZBEKISTAN Alokabank Joint-Stock Comm Bank STA B3 E+ — — — NP Credit-Standard Bank STA B3 E+ — — — NP Gallabank STA B3 E+ — — — NP Ipoteka Bank STA B3 E+ — — — NP National Bank of Uzbekistan STA B3 E+ — — — NP Turon Joint-Stock Comm Bank STA B3 E+ — — — NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 69 • Global Bank Ratings by Country November 17, 2008 [1] LT Bank Financial [2] Long-term Debt Issuer [3] Short- [4] Outlook Deposits Strength Senior Subord. Rating term

VENEZUELA Banco de Vnzla, Grupo Santander STA(m) B3 D- — — — NP Mercantil, C.A., Banco Univ STA(m) B3 D- — — — NP VIETNAM Asia Commercial Bank STA(m) B1 D — — Ba2 NP Bank for Inv. & Dev. of Vietnam STA(m) B1 E+ — NR Ba2 NP Techcombank STA(m) B1 D- — — Ba2 NP Vietnam International Bank STA(m) B1 D- — — Ba2 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic obligations. Other Senior Obligations (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all foreign deposit obligations; if a foreign deposit obligation does not exist, and that of a domestic deposit obligation does, it is the domestic deposit obligation rating that is listed. [2] The long-term ratings listed reflect the ratings on specific rated debt issues. [3] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt. [4] The Outlook is based on the LT local currency Bank Deposit Rating.

Moody’s Investors Service • 70 • Government Bonds & Country Ceilings November 17, 2008

Government Bonds Country Ceilings for Foreign Currency Foreign Domestic Bonds Bank Currency Currency and Notes Deposits Long Long Long [1] Short Long [1] Short Term Term Outlook Term Term Term Term Albania B1 [2] B1 [2] STA Ba1 NP B2 NP Alderney — — — Aaa P-1 Aaa P-1 Andorra — — — — [3] — [3] — [3] — [3] Argentina B3 B3 [2] STA B2 NP Caa1 NP Armenia Ba2 [2] Ba2 [2] STA Baa3 P-3 Ba3 NP Australia Aaa Aaa STA Aaa P-1 Aaa P-1 Austria Aaa Aaa STA — [3] — [3] — [3] — [3] Azerbaijan Ba1 [2] Ba1 [2] POS Baa2 P-2 Ba2 NP Bahamas A3 A1 STA Aa1 P-1 A3 P-2 Bahamas-Off Shore Banking Center [4] — — — Aaa P-1 Aaa P-1 Bahrain A2 [2] A2 [2] STA Aa3 P-1 A2 P-1 Bahrain-Off Shore Banking Center [4] — — — Aa3 P-1 Aa3 P-1 Barbados Baa2 A3 STA A1 P-1 Baa2 P-2 Belarus B1 [2] B1 [2] STA Ba2 NP B2 NP Belgium Aa1 Aa1 POS — [3] — [3] — [3] — [3] Belize Caa1 Caa1 STA B2 NP Caa1 NP Bermuda Aa1 [2] Aaa [2] STA Aaa P-1 Aa1 P-1 Bolivia B3 B3 [2] STA B2 NP Caa1 NP Bosnia and Herzegovina B2 B2 [2] STA Ba3 NP B3 NP Botswana A2 [2] A1 POS(m) Aa3 P-1 A2 P-1 Brazil Ba1 Ba1 STA Baa3 P-3 Ba2 NP Bulgaria Baa3 Baa3 STA A1 P-1 Baa3 P-3 Cambodia B2 [2] B2 [2] STAB1NPB3NP Canada Aaa Aaa STA Aaa P-1 Aaa P-1 Cayman Islands Aa3 [2] — STA Aaa P-1 Aa3 P-1 Cayman Islands-Off Shore Bnk Ctr [4] — — — Aaa P-1 Aaa P-1 Chile A2 A1 STA Aa3 P-1 A2 P-1 China A1 A1 STA A1 P-1 A1 P-1 Colombia Ba1 Baa3 STA Baa3 P-3 Ba2 NP Costa Rica Ba1 Ba1 [2] POS Baa3 P-3 Ba2 NP Croatia Baa3 Baa1 POS(m) A1 P-1 Ba1 NP Cuba Caa1 [2] NR [2] STA Caa1 NP Caa2 NP Cyprus Aa3 Aa3 STA — [3] — [3] — [3] — [3] Czech Republic A1 A1 POS Aa1 P-1 A1 P-1 Denmark Aaa Aaa STA Aaa P-1 Aaa P-1 Dominican Republic B2 B2 [2] STA Ba3 NP B3 NP Ecuador Caa1 [5] — RUR Caa1 [5] NP Caa1 [5] NP Egypt Ba1 Ba1 NEG Baa2 P-2 Ba2 NP El Salvador Baa3 Baa2 [2] STA Baa3 P-3 Baa3 P-3 Estonia A1 [2] A1 [2] NEG Aa1 P-1 A1 P-1 Eurozone — — — Aaa P-1 Aaa P-1 Fiji Islands Ba2 Ba2 NEG Ba1 NP Ba3 NP Finland Aaa Aaa STA — [3] — [3] — [3] — [3] France Aaa [2] Aaa STA — [3] — [3] — [3] — [3] Germany Aaa Aaa STA — [3] — [3] — [3] — [3] Greece A1 A1 POS — [3] — [3] — [3] — [3] Guatemala Ba2 Ba1 [2] POS(m)Ba1NPBa3NP Guernsey — — — Aaa P-1 Aaa P-1 Honduras B2 [2] B2 STA Ba3 NP B3 NP Hong Kong Aa2 Aa2 STA Aa1 P-1 Aa2 P-1 Hungary A3 A3 NEG Aa1 P-1 A3 P-1 Iceland A1 [5] A1 [5] RUR Aa1 [5] P-1 A1 [5] P-1 India Baa3 [2] Ba2 STA Baa2 P-2 Ba2 NP Indonesia Ba3 Ba3 STA Ba2 NP B1 NP Ireland Aaa Aaa STA — [3] — [3] — [3] — [3] [1] Commercial Paper of Banks/Bank Holding Companies fall under the Bank Deposit Ceiling. [2] Issuer Rating. [3] See Eurozone. [4] Ceilings apply only to banks licensed or designated as: "non-resident" in the Bahamas; "Offshore Banking Units" in Bahrain; license "B" banks in the Cayman Islands; and banks with an "international license in Panama. [5] On review for possible downgrade. [6] On review for possible upgrade.

Moody’s Investors Service • 71 • Government Bonds & Country Ceilings November 17, 2008 Government Bonds Country Ceilings for Foreign Currency Foreign Domestic Bonds Bank Currency Currency and Notes Deposits Long Long Long [1] Short Long [1] Short Term Term Outlook Term Term Term Term Isle of Man Aaa [2] Aaa STA Aaa P-1 Aaa P-1 Israel A1 A1 STA Aa1 P-1 A1 P-1 Italy Aa2 Aa2 STA — [3] — [3] — [3] — [3] Jamaica B1 [5] Ba2 [5] RUR Ba3 NP B2 [5] NP Japan Aaa [2] Aa3 STA Aaa P-1 Aaa P-1 Jersey — — — Aaa P-1 Aaa P-1 Jordan Ba2 [2] Baa3 [2] STA Baa3 P-3 Ba3 NP Kazakhstan Baa2 [2] Baa1 [2] STA A2 P-1 Ba1 NP Korea A2 A2 STA Aa3 P-1 A2 P-1 Kuwait Aa2 [2] Aa2 [2] STA Aa2 P-1 Aa2 P-1 Latvia A3 A3 NEG Aa1 P-1 A3 P-1 Lebanon B3 B3 [2] STAB2NPB3NP Liechtenstein — — — Aaa P-1 Aaa P-1 Lithuania A2 A2 NEG Aa1 P-1 A2 P-1 Luxembourg Aaa [2] Aaa [2] STA — [3] — [3] — [3] — [3] Macao Aa3 [2] Aa3 [2] STA Aa1 P-1 Aa3 P-1 Malaysia A3 A3 STA A3 P-1 A3 P-1 Malta A1 [2] A1 [2] STA — [3] — [3] — [3] — [3] Mauritius Baa2 [2] Baa2 STA Baa1 P-2 Baa2 P-2 Mexico Baa1 Baa1 STA A1 P-1 Baa1 P-2 Moldova Caa1 Caa1 [2] STA B3 NP Caa2 NP Monaco — — — — [3] — [3] — [3] — [3] Mongolia B1 [2] B1 [2] STA Ba2 NP B2 NP Montenegro Ba2 [2] — STA Baa1 P-2 Ba3 — Morocco Ba1 Ba1 STA Baa2 P-2 Ba2 NP Netherlands Aaa [2] Aaa STA — [3] — [3] — [3] — [3] New Zealand Aaa Aaa STA Aaa P-1 Aaa P-1 Nicaragua Caa1 [2] B3 STA B3 NP Caa2 NP Norway (P)Aaa Aaa STA Aaa P-1 Aaa P-1 Oman A2 [2] A2 [2] STA Aa3 P-1 A2 P-1 Pakistan B3 [5] B3 [5] RUR B1 [5] NP B3 [5] NP [5] Panama Ba1 — STA A3 P-2 Baa2 P-2 Panama -Off Shore Banking Center [4] — — — Aa2 P-1 Aa2 P-1 Papua New Guinea B1 [2] B1 [2] STA Ba2 NP B2 NP Paraguay B3 [2] B3 [2] STAB2NPB3NP Peru Ba1 Baa3 STA Baa3 P-3 Ba2 NP Philippines B1 B1 POS Ba3 NP B1 NP Poland A2 A2 STA Aa1 P-1 A2 P-1 Portugal Aa2 Aa2 STA — [3] — [3] — [3] — [3] Qatar Aa2 Aa2 [2] STA Aa2 P-1 Aa2 P-1 Romania Baa3 Baa3 STA A1 P-1 Baa3 P-3 Russia Baa1 Baa1 POS A2 P-1 Baa1 P-2 San Marino — — — — [3] — [3] — [3] — [3] Sark — — — Aaa P-1 Aaa P-1 Saudi Arabia A1 [2] A1 POS Aa3 P-1 A1 P-1 Singapore Aaa [2] Aaa STA Aaa P-1 Aaa P-1 Slovakia A1 A1 POS Aaa P-1 Aaa P-1 Slovenia Aa2 Aa2 POS — [3] — [3] — [3] — [3] South Africa Baa1 A2 POS(m) A2 P-1 Baa1 P-2 Spain Aaa Aaa STA — [3] — [3] — [3] — [3] St. Vincent and the Grenadines B1 B1 [2] STA A3 P-2 Baa1 P-2 Suriname B1 [2] Ba3 [2] STA Ba2 NP B2 NP Sweden Aaa Aaa STA Aaa P-1 Aaa P-1 Switzerland Aaa [2] Aaa STA Aaa P-1 Aaa P-1 Taiwan Aa3 [2] Aa3 STA Aa3 P-1 Aa3 P-1 Thailand Baa1 Baa1 STA A3 P-2 Baa1 P-2 [1] Commercial Paper of Banks/Bank Holding Companies fall under the Bank Deposit Ceiling. [2] Issuer Rating. [3] See Eurozone. [4] Ceilings apply only to banks licensed or designated as: "non-resident" in the Bahamas; "Offshore Banking Units" in Bahrain; license "B" banks in the Cayman Islands; and banks with an "international license in Panama. [5] On review for possible downgrade. [6] On review for possible upgrade.

Moody’s Investors Service • 72 • Government Bonds & Country Ceilings November 17, 2008 Government Bonds Country Ceilings for Foreign Currency Foreign Domestic Bonds Bank Currency Currency and Notes Deposits Long Long Long [1] Short Long [1] Short Term Term Outlook Term Term Term Term Trinidad & Tobago Baa1 Baa1 STA A1 P-1 Baa1 P-2 Tunisia Baa2 [2] Baa2 [2] STA A3 P-2 Baa2 P-2 Turkey Ba3 Ba3 STA Ba1 NP B1 NP Turkmenistan B2 [2] B2 [2] STAB1NPB3NP Ukraine B1 B1 STA Ba3 NP B2 NP United Arab Emirates Aa2 [2] Aa2 [2] STA Aa2 P-1 Aa2 P-1 United Kingdom Aaa [2] Aaa STA Aaa P-1 Aaa P-1 United States of America Aaa [2] Aaa STA Aaa P-1 Aaa P-1 Uruguay B1 [6] B1 [6] RUR Ba2 [6] NP B2 [6] NP Venezuela B2 [6] B1 [2] RUR B1 [6] NP B3 [6] NP Vietnam Ba3 Ba3 NEG Ba2 NP B1 NP [1] Commercial Paper of Banks/Bank Holding Companies fall under the Bank Deposit Ceiling. [2] Issuer Rating. [3] See Eurozone. [4] Ceilings apply only to banks licensed or designated as: "non-resident" in the Bahamas; "Offshore Banking Units" in Bahrain; license "B" banks in the Cayman Islands; and banks with an "international license in Panama. [5] On review for possible downgrade. [6] On review for possible upgrade.

Moody’s Investors Service • 73 • Country Guidelines for Local Currency Obligations November 17, 2008 Moody's assigns local currency ratings to issues and issuers which are Local Currency debt ratings which incorporate all relevant factors that may influence per- Country Guideline formance and which are intended to be globally comparable. In order to Israel Aa1 facilitate the assignment of such ratings, Moody's maintains and publishes Italy Aaa Country Guidelines for Local Currency Obligations. Jamaica A3 Such guidelines assess the general country-level risks (not transfer risk) Japan Aaa that should be reflected in the ratings of locally domiciled obligors or Jersey Aaa Jordan A3 locally originated structured transactions denominated in local currency. Kazakhstan A1 While not acting as a rigid ceiling, they indicate the rating level that might Korea Aaa be assigned to the financially strongest obligations in the country. Kuwait Aa2 Local Currency Latvia Aaa Country Guideline Lebanon Ba1 Albania A3 Liechtenstein Aaa Alderney Aaa Lithuania Aaa Andorra Aaa Luxembourg Aaa Argentina Ba1 Macao Aaa Armenia A3 Malaysia Aa2 Australia Aaa Malta Aaa Austria Aaa Mauritius Aa2 Azerbaijan A3 Mexico Aaa Bahamas Aaa Moldova Ba2 Bahrain Aa2 Monaco Aaa Barbados Aa2 Mongolia Baa1 Belarus Baa3 Montenegro - Belgium Aaa Morocco A3 Belize A1 Netherlands Aaa Bermuda Aaa New Zealand Aaa Bolivia Ba1 Nicaragua Ba2 Bosnia and Herzegovina Ba1 Norway Aaa Botswana Aa3 Oman Aa2 Brazil A1 Pakistan Baa2 Bulgaria Aa3 Panama A3 Cambodia Ba1 Papua New Guinea A1 Canada Aaa Paraguay Ba1 Cayman Islands Aaa Peru A3 Chile Aaa Philippines A1 China A1 Poland Aaa Colombia A1 Portugal Aaa Costa Rica Aa2 Qatar Aa2 Croatia Aa1 Romania Aa3 Cuba Ba3 Russia A1 Cyprus Aaa San Marino Aaa Czech Republic Aaa Sark Aaa Denmark Aaa Saudi Arabia Aa3 Dominican Republic A1 Singapore Aaa Ecuador Ba2 Slovakia Aaa Egypt A3 Slovenia Aaa El Salvador Baa3 South Africa Aaa Estonia Aaa Spain Aaa Eurozone Aaa St. Vincent and the Grenadines A3 Fiji Islands A1 Suriname A3 Finland Aaa Sweden Aaa France Aaa Switzerland Aaa Germany Aaa Taiwan Aa3 Greece Aaa Thailand Aa2 Guatemala A3 Trinidad & Tobago Aa3 Guernsey Aaa Tunisia Aa2 Honduras A3 Turkey A2 Hong Kong Aaa Turkmenistan Ba1 Hungary Aaa Ukraine A3 Iceland Aaa United Arab Emirates Aa2 India Aa3 United Kingdom Aaa Indonesia Baa2 United States of America Aaa Ireland Aaa Uruguay A3 Isle of Man Aaa Venezuela A3 Vietnam Ba1

Moody’s Investors Service • 74 • Global Banks by Rating November 17, 2008

LONG-TERM Rabobank Nederland, NZ Branch Rabobank Nederland, Singapore Br Aaa Rabohypotheekbank N.V. RBCF L.P. Agence Francaise de Dvlopmnt. RI Financial Structures B.V. BA Australia Ltd. Royal Bank of Canada Bank of America, N.A. Royal Bank of Canada (London) Bank of New York Mellon (The) Royal Bank of Canada (New York) Bank One N.A. (Chicago) Royal Trust Corp. of Canada Bank One, Delaware, N.A. Shoko Chukin Bank, Ltd. Bank One, Illinois, N.A. Toronto Dominion(SouthEast Asia) Bank One, National Association Toronto-Dominion Bank (The) Banque et Caisse d'Epargne Toronto-Dominion Bank, NY Bayerische Landesbank, London Wells Fargo Bank Northwest, N.A. Bayerische Landesbank, Paris Wells Fargo Bank, N.A. BNY Mellon Asset Servicing B.V. Zuercher Kantonalbank BNY Mellon National Association BNY Mellon Trust of Delaware Aa1 Caisse Autonome de Refin. Australia and NZ Banking Group Caisse de Refncmnt. de l'Habitat Banco Bilbao Viz Arg, SA Ldn Br Caisse Des Depots et Consignat. Banco Bilbao Viz. Argentar. S.A. CDC Ixis Banco Credito Local Espana Chase Bank USA, N.A. Banco Popular Espanol, S.A. Chase Manhattan Bank, Paris Br. Banco Santander S.A. (Spain) Chase Manhattan Bank, Sydney Br. Bank of Montreal Cheltenham & Gloucester plc Bank of Montreal, Chicago Br. Countrywide Bank FSB Bank of Nova Scotia Deutsche Ausgleichsbank Bank of Nova Scotia, Portland Deutsche Siedlungs- und Landesr. Bank of Scotland plc Eksportfinans ASA Bank of Scotland/New York FIA Card Services, N.A. Banque Paribas Instituto de Credito Oficial Barclays Bank PLC IXIS Corporate and Invest. Bank Barclays Bank plc Hong Kong J.P. Morgan Bank Canada Barclays Bank PLC, New York J.P. Morgan Securities Ltd Barclays Bank PLC, Paris J.P. Morgan Trust Bank Ltd. Barclays Financial LLC JPMorgan Chase Bank, London BBVA Senior Finance, SA Unipers. JPMorgan Chase Bank, N.A. BBVA U.S. Senior, SA Unipersonal JPMorgan Chase Bank, N.A., NY BR BCL International Finance Ltd. JPMorgan Chase Bank, NA BNP Paribas JPMorgan Chase Bk China Co Ltd BNP Paribas, New York Branch Kreditanstalt fuer Wiederaufbau BOS International (Australia) L-Bank BOS plc, Australia Branch Landesgirokasse Stuttgart BPE Financiaciones, S.A. Landeskreditbank Baden-Wuert. Bremer Landesbank Capital Mkts Landwirtschaftliche Rentenbk. Caisse Centrale Desjardins LB Baden-Wuerttemberg Capl Mkts Caixa Geral de Depositos (Paris) LfA Foerderbank Bayern Caixa Geral de Depositos Finance Lloyds TSB Bank Plc Caixa Geral de Depositos Madeira LRI LBnk Rheinld-Pfalz Intl SA Caixa Geral de Depositos, S.A. Monogram Credit Card Bank of GA Caixa Geral de Depositos/NY Morgan Gty. Trust Co. of NY CALYON Oesterreichische Kontrollbank AG CALYON, New York Branch Oesterreichische Postsparkasse Calyon, Tokyo Branch OSEO Financement Citibank (South Dakota), N.A. Pfand. der Oester. Landes-Hyp. Citibank, N.A. Rabo Financial Products B.V. Citibank, N.A. (Auckland Branch) Rabobank Australia Limited Citibank, N.A. (London Branch) Rabobank Curacao N.V. Citibank, N.A. (Sydney Branch) Rabobank Int'l Equity Deriv. Commonwealth Bank of Australia Rabobank Ireland plc Compagnie Bancaire Rabobank Nederland CRCAM Alsace Vosges Rabobank Nederland, Australia Br CRCAM Anjou-et du Maine Rabobank Nederland, HK Branch CRCAM Aquitaine Rabobank Nederland, Netherlands CRCAM Atlantique Vendee Rabobank Nederland, NY Branch CRCAM Brie Picardie [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 75 • Global Banks by Rating

CRCAM Centre Est Montreal Trust Company of Canada CRCAM Centre France National Australia Bank Ltd. CRCAM Centre Loire National Australia Bk, NY Br. CRCAM Cotes d'Armor National Westminster Bank PLC CRCAM d'Alpes Provence Nord/LB GZ (Singapore Branch) CRCAM de Charente-Maritime Dx Nord/LB Norddeutsche Sec. plc CRCAM de Charente-Perigord Nordea Bank AB CRCAM de la Reunion Nordea Bank Danmark A/S CRCAM de la Touraine et Poitou Nordea Bank Finland Plc CRCAM de Normandie Nordea Bank Finland Plc, NY Br CRCAM de Sud-Mediterranee Nordea Bank Norge ASA CRCAM Finistere Nordea Bank Sweden AB (publ) CRCAM Franche Comte NRW.BANK CRCAM Ile-et-vilaine Oversea-Chinese Banking Corp Ltd CRCAM Lorraine Pohjola Bank plc CRCAM Morbihan Raiffeisen Schweiz CRCAM Nord de France Royal Bank of Scotland plc CRCAM Nord Est Royal Bank of Scotland, N.Y. CRCAM Normandie Seine Royal Bank of Scotland,Australia CRCAM Paris et Ile-de-France Sachsen LB Europe PLC CRCAM Provence Cote d'Azur Sampo Bank plc CRCAM Pyrenees Gascogne Santander Int'l Debt, S.A. CRCAM Sud Rhone Alpes Santander US Debt, SA Unipers. CRCAM Toulouse/Midi Toulousain Scotiabank Europe Plc Credit Agricole S.A. SIX SIS Ltd Credit Agricole S.A., London SIX x-clear Ltd Credit Suisse St. Galler Kantonalbank Credit Suisse (London) Branch Stadtsparkasse Duesseldorf Credit Suisse (Nassau) Branch State Street Bank and Trust Co. Credit Suisse (New York) Branch Svenska Handelsbanken AB Credit Suisse International Svenska Handelsbanken, NY Branch Czech Export Bank, a.s. Swedish Export Credit Corp. Danske Bank A/S U.S. Bank National Assoc. ND DBS Bank Ltd. U.S. Bank National Association Den norske Bank ASA United Overseas Bank Limited Deutsche Australia Limited US Central Federal Credit Union Deutsche Bank AG Vorarlberger Land-und Hypobk AG Deutsche Bank AG, London Brch Wells Fargo & Company Deutsche Bank AG, New York WestLB AG, Sydney Branch Deutsche Bank AG, Paris Brch. Westpac Banking Corp. (NY) Deutsche Bank AG, Singapore Br. Westpac Banking Corporation Deutsche Bank AG, Sydney Branch Westpac Banking Corporation, HK Deutsche Bank Americas Fin. LLC Woolwich plc Deutsche Bank Financial LLC DNB NOR Bank ASA Aa2 DNB NOR Bank ASA, New York ABN AMRO Bank N.V. Greater Bay Bancorp ABN AMRO Bank N.V. London Branch Halifax plc ABN AMRO Bank N.V., Australian B Hamburgische Landesbank GZ ABN AMRO Bank N.V., Chicago HBOS Treasury Services Plc ABN AMRO Bank N.V., Paris HSBC Bank plc ABN-AMRO Bank N.V., New York HSBC Bank Plc Sydney Branch Allied Irish Banks, p.l.c. HSBC Markets (Bahamas) Limited ANZ Banking Group (NZ) Ltd. HSH Nordbank, London Branch ANZ National (Int'l) Ltd Hypo Tirol Bank AG ANZ National (Int'l) Ltd, HK La Caixa ANZ National (Int'l) Ltd,London Landesbank Baden-Wuerttemberg ANZ National Bank Ltd Landesbank Baden-Wuerttemberg, New York Branch ASB Bank Limited LANDESBANK SACHSEN AG ASB Finance Limited, London Br Landesbank Schleswig-Holstein B of A Issuance B.V. LBBW, Singapore Branch Banca Commerciale Ital. S.p.A. Le Credit Lyonnais S.A. Banca Intesa Spa, Hong Kong Leonia Corporate Bank plc Banca Intesa, New York branch Lloyds TSB Group plc Banca Naz. del Lavoro, Paris LRP Landesbank Rheinland-Pfalz Banca Nazionale Del Lavoro Banco Espanol de Credito S.A. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 76 • Global Banks by Rating

Banesto Banco de Emisiones, S.A. ING Bank, Paris Branch Bank of America Corporation ING Belgium SA/NV Bank of Ireland Intesa Bank Ireland p.l.c. Bank of Ireland, Connecticut Br. Intesa Sanpaolo Bank Ireland plc Bank of New York (Lux), Italian Intesa Sanpaolo Spa Bank of New York (Lux.) S.A. Istituto Serv. Merc. Agric. Alim Bank of New York Mellon Corp. J.P. Morgan & Co. Incorporated Bank of New Zealand JPMorgan Chase & Co. Bank of Tokyo-Mitsu. UFJ Ltd. HK JPMorgan Chase Bk, NA, Singapore Bank of Tokyo-Mitsub.UFJ Trust Jyske Bank A/S Bank of Tokyo-Mitsubishi UFJ Kansai Urban Banking Corporation BANK ONE CORPORATION KBC Bank N.V. BankAmerica Corporation KBC Financial Prod. Int'l VI Ltd Barclays Plc KBC Financial Products Int'l Ltd Bayerische Landesbank KBC IFIMA N.V. Bayerische Landesbank, Hong Kong Kreissparkasse Koeln Bayerische Landesbank, New York Landesbank Hessen-Thuerin., NY BB&T Financial, FSB Landesbank Saar Bk of Tokyo-Mitsubishi UFJ, Ltd. Landesbk Hessen-Thueringen GZ Branch Banking and Trust Co. LaSalle Funding LLC Bremer Landesbank Kred. Old. Lloyds TSB Offshore Limited Canadian Imperial Bank Commerce MBNA Corporation Canadian Imprl Bnk of Comm NY Minato Bank, Ltd (The) Capital Desjardins Inc. Mitsubishi UFJ Trt & Bank. Corp. Capitalia S.p.A. Mitsubishi UFJ Trust Int. Ltd Cassa Depositi e Prestiti S.p.A. Mizuho Bank, Ltd. Cassa Risparmio Provinc Lombard Mizuho Corporate Bank Nederland Chase Manhattan Corporation (OLD) Mizuho Corporate Bank, Ltd. CIBC Mellon Trust Company Mizuho Corporate Bank,Ltd, HK Br CIBC World Markets plc Mizuho Corporate Bank,Ltd, Paris Clariden Leu AG Mizuho Corporate Bank,Ltd,Sydney Commerce Bank, N.A. Mizuho International plc Confederacion Espanola Ahorro Mizuho Trust & Banking Co., Ltd. Countrywide Financial Corp. National Bank of Canada Credit Logement National Bank of Kuwait Credit Suisse Group National Bank of New Zealand Credit Suisse Group Fin. Lux. SA Nationwide Building Society Credit Suisse Group Fin.(US)Inc. Natl Bank of Canada, NY Branch Credit Suisse Grp Fin (DE) LLCI Norddeutsche Landesbank GZ Credit Suisse Grp Fin (Guernsey) Norddeutsche Landesbank GZ, NY Creditanstalt AG Norinchukin Bank Dai-Ichi Kangyo Australia Ltd. Portman Building Society DekaBank Deutsche Girozentrale Postbank Groen N.V. Deutsche Postbank AG Raiffeisen Zentralbank Oest. DKB International PLC Republic National Bank of NY European-American Bank Royal Bank of Scotland Group plc First Active plc Sanpaolo IMI Bank (Intl) S.A. First Active Treasury PLC Sanpaolo IMI S.p.A. First Chicago NBD Corporation Sanwa Bank, Ltd. Hang Seng Bank Limited SEB HBOS plc SEB (NY) HBOS Treasury Services, Sydney Security Pacific Corp. Hongkong & Shanghai Bkg.(Sydney) SG Option Europe Hongkong and Shanghai Bank Corp. SG Structured Products, Inc. HSBC Bank Middle East Limited Shinkin Central Bank HSBC Bank USA, N.A. Societe Generale HSBC Bk Middle E. Ltd (UAE Br) Societe Generale HSBC Holdings plc Societe Generale (Canada) HSBC Private Bank (Suisse) SA Societe Generale, NY Branch HSH Nordbank AG Sparkasse Aachen HSH Nordbank, New York Branch Sparkasse KoelnBonn Industrial Bank of Japan Ltd. Sparkasse Spree-Neisse ING (US) Issuance LLC Sparkassen-Finanzgruppe ING Bank N.V. St.George Bank Limited ING Bank N.V., Tokyo Branch Sumitomo Bank, Ltd. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 77 • Global Banks by Rating

Sumitomo Mitsui Banking Corp. Banque Populaire du Massif Centr Sumitomo Mitsui Banking Europe Banque Populaire du Nord Sumitomo Mitsui Fin. Austrl Ltd Banque Populaire du Sud Ouest TD Bank, N.A. Banque Populaire Lorraine Champ. Trust & Custody Services Bank Banque Populaire Rives de Paris U.S. Bancorp Banque Populaire Toulouse-Pyrene UBS AG Banque Populaire Val de France UBS AG, Australian Branch Barclays Bank Ireland PLC UBS AG, Jersey Branch BB&T Corporation UBS AG, London Branch BBV Argentaria Puerto Rico UBS AG, New York Branch BCP Finance Bank, Ltd. UBS AG, Stamford Branch BES Finance Ltd. UBS Limited BRED-Banque Populaire UFJ Bank Limited Caja Ahorros Monte Piedad Madrid Ulster Bank Ireland Limited Cariverona Banca SpA (London) Ulster Bank Limited CASDEN - Banque Populaire UniCredit Bank Austria AG Cassa Di Risparmio Di Parma Wachovia Bank, N.A. CB Finance Company B.V. Westpac New Zealand Limited Charter One Bank, N.A. Westpac Securities NZ Limited Chiyu Banking Corporation, Ltd. Westpac Securities NZ, London Chugoku Bank, Limited World Savings Bank, FSB Citibank Europe plc Citibank International Plc Aa3 Citibank Japan Ltd. Abbey Nat'l Treasury Int'l Ltd. Citicorp Abbey Nat'l Treasury Services Citigroup Global Mkts Deutsch. Abbey National plc Citigroup Inc. Abbey Natl Treas Svc (Paris) Citigroup Pty Limited ABN AMRO Holding N.V. Citizens Bank of Pennsylvania Abu Dhabi Commercial Bank City National Bank ADCB Finance (Cayman) Limited Clydesdale Bank plc Alliance & Leicester Gp Trsy CNCE Alliance & Leicester plc Commercial Bank of Kuwait Banca CR Firenze S.p.A. Commerzbank AG Banca IMI Spa Commerzbank AG, New York Branch Banca Infrast. Innov. e Sviluppo Commerzbank AG, Paris Brch. Banca Monte dei Paschi di Siena Compass Bank Banca Monte dei Paschi, London Credit Cooperatif Banca Popolare Friuladria Credit Foncier de France Banco Comerc.Portugues, Madeira Credit Industriel et Comm., NY Banco Comercial Portugues, S.A. Credit Industriel et Commercial Banco Espirito Santo, S.A. Danmarks Skibskredit A/S Banco Sabadell S.A., London Br DB UK Bank Limited Banco Sabadell, S.A. DBS Bank (Hong Kong) Limited Banco Santander Totta S.A. Deutsche Bank National Trust Co Banco Santander Totta SA, London Deutsche Bank Trust Co. Americas Bank Julius Baer & Co, Guernsey Deutsche Bank Trust Co. Delaware Bank Julius Baer & Co. AG Deutsche Hypothekenbank AG Bank of China (Hong Kong) Ltd Dexia Bank Belgium Bank of Hawaii Dexia Banque Int'l a Luxembourg Bank of N.T. Butterfield & Son Ltd.(The) Dexia Credit Local Bank of Scotland (Ireland) Ltd Dexia Credit Local, NY Bank of Taiwan Dexia Credit Local, Tokyo Branch Bank of the West Dexia Overseas Limited Bank of Western Australia Ltd Dexia Public Finance Norden Bankinter, S.A. Dresdner Bank AG Banque de l'Economie-Comm. Mon. DZ BANK AG Deutsche Zentral-Gen. Banque Fed. du Credit Mutuel EFG Eurobank Ergasisa S.A. Banque Federale des Banque Pop. EFG Hellas (Cayman Islands) Ltd Banque Monetaire et Financiere EFG Hellas PLC Banque Palatine Egg Banking Plc Banque Pop. Bourgogne Fr.-Comte Emporiki Bank of Greece S.A. Banque Pop. de l'Ouest Entenial Banque Populaire Atlantique Erste Bank, New York Banque Populaire Cote d'Azur Erste Group Bank AG Banque Populaire d'Alsace [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 78 • Global Banks by Rating

Espirito Santo Investment plc Swedbank AB Export-Import Bank of Korea Swedbank Mortgage AB Fifth Third Bank, Michigan Sydbank A/S Fifth Third Bank, Ohio Texas State Bank Fineco S.p.A. Unicaja First Hawaiian Bank UniCredit Banca per la Casa Frost National Bank UniCredit Bank Ireland p.l.c. GiroCredit Bank AG Der Spark. UniCredit Int'l Bank (Lux) S.A. Goldman Sachs Bank (Europe) plc UniCredit Luxembourg Finance Goldman Sachs Bank USA UniCredit SpA Goldman Sachs Private Bank Ltd. UniCredito Italiano Spa (Paris) Harris N.A. Unicredito Italiano SpA, NY HFC Bank plc Union Bank of California, N.A. HSBC Bank Australia Ltd Vseobecna uverova banka, a.s. HSBC France Wachovia Bank, N.A. (Old) HSBC Private Bnkg Hlds (Suisse) SA Western Corp. Fed. Credit Union HSBC USA Inc. Westfaelisch-Lipp.Spk-& Giroverb ICS Building Society WGZ BANK AG ING Bank (Australia) Ltd. Irish Life & Permanent plc A1 Japan Trustee Services Bank, Ltd Agricult. Develop. Bank of China KfW IPEX-Bank GmbH Agricultural Bank of China Kommunalkredit Austria AG Aktia Bank p.l.c. Kuwait Finance House Al Ahli Bank of Kuwait Land Bank of Taiwan Al Rajhi Bank LaSer Cofinoga Alpha Bank AE LGT Bank in Liechtenstein AG Alpha Credit Group plc Locindus S.A. Alpha Group Jersey Limited M&I Bank FSB American Express Bank, FSB M&I Marshall & Ilsley Bank American Express Centurion Bank Mediocredito Trentino-Alto Adige Anglo Irish Bank Corp. Plc Muenchener Hypothekenbank eG Arab National Bank Nanyang Commercial Bank, Ltd. AS Hansapank Natexis Banque S.A. Associated Bank, N.A. National Bank of Abu Dhabi Astoria Federal Savings & Loan National Bank of Greece S.A. Banca Antonveneta Natixis Banca Lombarda Piemontese SPA NATIXIS Structured Products Ltd Banca Popolare dell'Alto Adige Norddeutsche Landesbank Lux. Banca Popolare di Milano Nordea Hypotek AB (publ) Banca Toscana S.p.A. Northern Trust Company Banco BPI Cayman Ltd Nova Ljubljanska banka d.d. Banco BPI S.A. Nykredit Bank A/S Banco BPI S.A. (Cayman) Nykredit Realkredit A/S Banco BPI S.A. (Madeira) Oesterreichische Volksbanken AG Banco BPI S.A. (Santa Maria) OSV-Ostdeutscher Sparkassenv Banco BPI, S.A. (Macau Offshore) PNC Bank, Delaware Banco Cooperativo Espanol, S.A. PNC Bank, N.A. Banco Nacional de Comercio Qatar National Bank Bank Hapoalim B.M. Raiffeisenlandesbank Oberoest.AG Bank Leumi Raifflndsbnk Niederoesterreich Bank Morgan Stanley AG RBC Bank (USA) Bank of China Limited RBC Dexia Investor Services Ltd Bank of Hawaii Corporation RBS Citizens, NA Bank of Kuwait and Middle East Sabadell International Finance Bank of Oklahoma, N.A. Shizuoka Bank, Ltd. Bank of Yokohama, Ltd. SpareBank 1 Nord-Norge Bank Vontobel AG SpareBank 1 SMN Banobras, S.N.C. SpareBank 1 SR-Bank Banque Cantonale Vaudoise Standard Chartered Bank (HK) Ltd Banque Saudi Fransi State Street Corporation Bayer Hypo-Und Vereinsbk, HK Br Sumitomo Trust & Bnk. Co. (US) Bayerische Hypo-und Bank A.G. Sumitomo Trust And Banking Co. Bayerische Hypo-und Vereinsbank Suncorp-Metway Ltd. Bayerische Hypo-Ver. Singapore SunTrust Bank Bayerische Vereinsbank, Paris BFB Leasing S.A., Arrend.Merc. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 79 • Global Banks by Rating

Bilbao Bizkaia Kutxa Hypothekenbank in Essen AG BNDES Participacoes SA-BNDESPAR Ibercaja BSI AG Industrial&Commerc.Bank of China Burgan Bank Investkredit Bank AG Caisse C'ale du Credit Immo Israel Discount Bank Caixanova ItauBank Leasing S.A. Caja de Ahorros de Vitoria Alava Joyo Bank, Ltd. Caja Laboral Finance Ltd. Julius Baer Holding AG Caja Laboral Popular Coop.de Crt Cred. KBC Bank Ireland PLC Caja Vital Finance B.V. KeyBank National Association Cassa Risparmi Forli Rom Spa Kinki Osaka Bank, Ltd. (The) Cathay United Bank Co., Ltd Komercni Banka a.s. Ceska Sporitelna, a.s. Kommunalkredit Int. Bank Ltd Ceskoslovenska Obchodni Banka Landesbank Berlin AG Chiba Bank, Ltd. Landesbank Berlin, London Br. China Construction Bank Corp Locat S.p.A. China Development Bank M&I LLC Chuo Mitsui Asset Trust & Bk Co Macquarie Bank Limited Chuo Mitsui Tr & Bnkng Co. Ltd. Manufacturers & Traders Tr Co City National Corporation Marshall & Ilsley Corporation Comerica Bank Mega Int'l Commercial Bank Commercial Bank of Qatar Mizrahi Tefahot Bank Compass Bancshares, Inc. Morgan Stanley Bank AG Crediop Overseas Bank Ltd. Morgan Stanley Bank Int''l Ltd. Croatian Bank for Recon. & Dev. Morgan Stanley Bank, N.A. Cullen/Frost Bankers, Inc. MPS Capital Services Deutsche Bank Trust Corporation Nacional Financiera (Cayman) Dexia Crediop S.p.A. National Bank of Dubai PJSC DLR Kredit A/S National Commerce Financial Corp Dresdner Bank Luxembourg S.A. National Commercial Bank Dubai Islamic Bank PJSC Northern Trust Corporation DVB Bank AG Nova Kreditna banka Maribor d.d. DVB Group Merchant Bank (Asia) Old National Bank EIB Sukuk Company Ltd. Piraeus Bank S.A. Emirates Bank Int'l PJSC PNC Financial Services Grp., Inc Eurohypo AG Prudential Bank & Trust, FSB Eurohypo AG Regions Bank Eurohypo AG, New York Branch Resona Bank, Ltd. EUROHYPO Europ. Hypothekenb. Resona Trust & Banking Company Europejski Fundusz Leasingowy SA RHEINHYP Rheinische Hypo AG Eximbanka SR Ringkjobing Landbobank A/s Export-Import Bank of China Riyad Bank Fifth Third Bancorp Saitama Resona Bank, Ltd. First Citizens (St. Lucia) Ltd Samba Financial Group First Intl Bank of Israel Santander Consumer Bank S.p.A. First-Citizens Bank & Tr. Co. Santander Consumer Finance S.A. FirstMerit Bank, N.A. Saudi British Bank Fortis Bank (Hong Kong) Saudi Hollandi Bank Fortis Bank Nederland (Holding) SEB AG Fortis Bank S.A./N.V. Slovenska sporitelna, a.s. Fortis Bank, Cayman Islands SNS Bank N.V. Fortis Bank, New York Spar Nord Bank A/S Fortis Banque Luxembourg S.A. Sparebanken Oest Fortis Luxembourg Fiannce S.A. Sparebanken Vest Fulton Bank SunTrust Banks, Inc. Golden West Financial Corp. Swedish Housing Finance Corp Gulf Bank Tatra banka, a.s. Gunma Bank, Ltd. TCF National Bank Hancock Bank TD Banknorth Inc Hancock Bank of Louisiana Union National Bank PJSC Hang Seng Bank (China) Limited Unione di Banche Italiane ScpA Higo Bank Ltd. Valiant Bank AG Housing Financing Fund [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. HSBC Bank (China) Company HSBC Mexico, S.A. Cayman Islands [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 80 • Global Banks by Rating

Valley National Bank Cajamar Cj. Rrl., Soc. Coop. Cr. Wachovia Corporation California Bank & Trust Wachovia Corporation (Old) Capital One Bank Wilmington Trust Company Capital One, N.A. Zurich Bank Cassa di Risp.di Bolzano-Sudtirl Ceskoslovenska obchodna banka A2 Chelsea Building Society Abu Dhabi Islamic Bank China Cnst. Bk (Asia) Corp. Ltd. Adelaide Bank Limited Chinatrust Commercial Bank, Ltd. ADIB Sukuk Company Ltd. Citibank Korea Inc. Amegy Bank National Assoc. Citizens Bank, Michigan American Express Bank Ltd. Close Brothers Ltd. AMP Bank Limited Co-Operative Bank Plc Associated Banc-Corp Columbus Bank & Trust Co. Astoria Financial Corporation Comerica Incorporated Banc Internacional D'Andorra S.A Commercial Bank of Dubai PSC Banca Carige S.p.A. Commerzbank Europe (Ireland) Banca Delle Marche S.p.A. Commerzbank International S.A. Banca March S.A. Coventry Building Society Banca Popolare di Marostica Daegu Bank, Ltd. Banca Popolare Ital.Soc. Coop. Depfa ACS Bank Banca Sella Holding DEPFA Bank plc Bancaja Emisiones, SA Uniperson. DEPFA Bank plc New York Agency Bancaja US Debt, S.A.U. DEPFA Deutsche Pfandbriefbank AG Banco de Chile DEPFA-Bank Europe P.L.C. Banco de Credito e Inversiones Deutsche Apotheker-und Aerztebk. Banco del Estado de Chile Deutsche Schiffsbank AG Banco Estado, New York Branch Development Bank of Kazakhstan Banco Pastor, S.A. Development Bk of So. Africa Banco Popolare Soc Cooperativa Dexia Kommunalkredit Bank Banco Popular de Puerto Rico Dexia Sabadell, S.A. Banco Santander Puerto Rico Doha Bank Q.S.C. Banco Santander-Chile DZ-Bank Ireland plc BancorpSouth Bank EBS Building Society BANIF-Banco Internac. do Funchal EFG Bank BANIF-Sucursal Financ. Exterior EFG International Bank Gospodarki Zywnosciowej SA FIH Erhvervsbank A/S Bank Handlowy w Warszawie S.A. First Commercial Bank Bank of Cyprus Public Co. Ltd First Gulf Bank Bank of East Asia, Limited First Midwest Bank Bank of Queensland Limited Friesland Bank N.V. Bank Polska Kasa Opieki SA Fulton Financial Corporation Bank Zachodni WBK S.A. Gulf International Bank BSC BankMuscat S.A.O.G Hana Bank BBK B.S.C. Hancock Holding Company Bendigo and Adelaide Bank Hewlett-Packard Intern Bank Plc BMW Bank of North America Hudson Valley Bank BOK Financial Corporation Huntington National Bank BRE Bank S.A. Hyakujushi Bank Limited BRFkredit a/s Hypo Alpe-Adria-Bank Int'l AG Britannia Building Society Hypo Public Finance Bank Caixa Catalunya Hypo Real Estate Bank AG Caixa Catalunya Int'l Fin. B.V. Hypo Real Estate Bank Int'l AG Caixa Catalunya Int'l Fin. Ltd. HypoVereins Finance N.V. Caixa d'Estalvis de Manresa Ind. & Coml Bk of China (Asia) Caixa d'Estalvis del Penedes Industrial Bank of Korea Caixa Econom. Montepio Geral, CI ING Bank Slaski S.A. Caixa Economica Montepio Geral Intermarket Bank AG Caixa Galicia KeyCorp Caja Ahorros Valencia, Bancaja Kookmin Bank Caja Cantabria Korea Development Bank Caja de Ahorros de La Rioja Korea Exchange Bank Caja de Ahorros del Mediterraneo Kredyt Bank S.A. Caja de Ahorros Mun. de Burgos Landshypotek AB (publ) Caja Duero Lansforsakringar Bank AB (publ) Caja Rural de Navarra [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 81 • Global Banks by Rating

Leeds Building Society Woori Bank Lico Leasing, S.A. Woori Finance Holdings Lukas Bank S.A. Yorkshire Building Society M&T Bank Corporation Zions First National Bank Macquarie Financial Holdings Ltd Macquarie Group Limited A3 MashreqBank psc Abanka Vipa d.d. Mediocredito Fond. Centro Italia Agency for Housing Mtg Lending Meridian Bancorp, Inc. Amagerbanken A/S Merrill Lynch Bank & Trust Co Amarillo National Bank Merrill Lynch Bank USA Amegy Corporation National Agricult. Coop. Feder. American Savings Bank, FSB National Bank of Bahrain BSC Aozora Bank, Ltd. National City Bank Arab Bank Australia Limited National City Bank, Indiana Arab Bank Plc (Dubai Branch) Nevada State Bank Arab Banking Corporation B.S.C. New York Community Bank Banca Agrileasing SpA Newcastle Building Society Banca della Marca Credito Coop Newcastle Perm. Building Society Banca Monastier e del Sile Northern Rock plc Banca Popolare di Cividale ScpA Norwich & Peterborough Bldg Soc Banca Popolare di Spoleto Old National Bancorp Banca Tercas Oman Arab Bank (SAOC) Banco De Valencia S.A. Pacific Capital Bank, N.A. BancorpSouth, Inc. Pastor Internacional Debt, S.A. Bank Al-Jazira People's United Bank Bank Dhofar SAOG Powszechna Kasa Oszczednosci Bk Bank Millennium S.A. Principality Building Society Bank of Fukuoka, Ltd. Pusan Bank Banque PSA Finance Regions Financial Corporation Banque SYZ & Co. S.A. San-in Godo Bank, Ltd. Bausparkasse Mainz AG Saudi Investment Bank Rt. Shanghai Commercial Bank Caixa d'Estalvis de Terrassa Shinhan Bank Caja Espana de Inversiones Silicon Valley Bank Caja Insular de Ahor.de Canar. Skipton Building Society Caja Rural de Granada Standard Chart. 1st Bk Korea Ltd Capital One Financial Corp. Standard Chartered Bank Cassa di Risparmio Ferrara SpA Standard Life Bank Limited Chang Hwa Commercial Bank Standard Life Funding B.V. Cheshire Building Society Storebrand Bank Chinatrust Financial Hold Co Ltd Sueddeutsche Bodencreditbank AG CIB Bank Ltd. Suhyup Bank CIMB Bank Berhad Taipei Fubon Bank CIMB Investment Bank Taiwan Cooperative Bank Citizens Republic Bancorp, Inc. Trustmark National Bank Clientis AG UBS DEUTSCHLAND AG Dah Sing Bank, Limited UMB Bank, N.A. DB Sukuk Company Ltd. UniCredit Bank Slovakia a.s. Derbyshire Building Society UniCredit MedioCred Cen S.p.A. Dubai Bank Union Planters Corporation Dunfermline Building Society United Bank Erste Bank Hungary Rt United Bank, Inc. Exane S.A. Volkswagen Bank GmbH Export-Import Bank of Thailand Vontobel Holding AG Fairbairn Private Bank Limited Webster Bank N.A. Financiere SYZ & Co. S.A. Westfaelische Hypothekenbank Fionia Bank A/S WestLB AG First Commercial Bank WestLB AG, New York Branch First Midwest Bancorp, Inc. WestLB Covered Bond Bank First National Bank of Omaha WGZ Bank Ireland Plc First Tennessee Bank, N.A. Whitney National Bank Foroya Banki P/F Wilmington Trust Corporation GarantiBank International N.V. Wing Hang Bank, Limited General Bank of Greece S.A. Wing Lung Bank Limited Gulf Investment Corporation Heritage Building Society [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 82 • Global Banks by Rating

Hiroshima Bank, Limited Banco Itau Europa, S.A. Hong Leong Bank Berhad Banco Mercantil del Norte, S.A. HSBC Bank Malaysia Berhad Banco Nacional de Mexico, S.A. Hua Nan Commercial Bank Ltd. Banco Santander, S.A. (Mexico) Huntington Bancshares Inc. Bangkok Bank HVB Banque Luxembourg S.A. Bank of America Mexico, S.A. Integra Bank National Associat. Bank of Communications Interbanca S.p.A Bank of Valletta INTRUST Bank, N.A. Bank Sinopac Jeonbuk Bank Bank VTB North-West Kereskedelmi & Hitel Bank Rt. Bank VTB, JSC Lease Plan Australia Limited Barclays Bank Mexico, S.A. Lease Plan Finance (Dublin) BAWAG P.S.K. LeasePlan Corporation N.V. BBVA Bancomer, S.A. Malayan Banking Berhad Bre Bank Hipoteczny Marfin Popular Bk Public Co. Ltd Caixa d'Estalvis de Tarragona Mega Financial Holding Co., Ltd Caja de Ahorros de Avila Merchants National Corp Caja Segovia MFB Hungarian Dev Bank Ltd. CaRiChieti MKB Bank Rt. Carolina First Bank Mortgage and Land Bank of Latvia China Dev. Industrial Bank National Bank of Oman Limited Colonial Bank National City Corporation Credito Artigiano S.p.A. New York Community Bancorp, Inc Credito Valtellinese Nottingham Building Society DeltaCredit Bank Ogaki Kyoritsu Bank, Ltd. Deutsche Bank Mexico, S.A. Oman International Bank (SAOG) E. Sun Commercial Bank, Ltd. OTP Bank Efibanca S.p.A. OTP Jelzalogbank Rt (OTP Mtge B) First Citizens Bank Limited Pacific Capital Bancorp First Financial Holding Company People's United Financial Inc. First Horizon National Corp. Popular North America, Inc. FirstRand Bank Limited Popular, Inc. Fubon Financial Holding Co. Ltd. Public Bank (Hong Kong) Limited Gazprombank Public Bank Berhad Government Housing Bank,Thailand RCI Banque HSBC Mexico, S.A. RHB Bank Berhad Independent Bank Roslyn Bancorp, Inc. ING Bank Eurasia Scarborough Building Society ING Bank, S.A. (Mexico) Shinsei Bank, Limited INTRUST Financial Corp. Siam Commercial Bank (Singapore) Investec Bank (Australia) Ltd SpareBank 1 Gruppen AS Investec Bank (UK) Ltd Standard Bank Plc Investec Bank Ltd. Standard Chartered Bank Malaysia Irish Nationwide Build. Society Standard Chartered PLC JSCB Bank of Moscow Suruga Bank, Ltd. KASIKORNBANK Public Co. Ltd Susquehanna Bank PA Kazakhstan Mortgage Company JSC SVB Financial Group Kiyo Bank, Ltd. Tamweel PJSC Krung Thai Bank Tamweel Sukuk Limited Krung Thai Bank, Singapore Br. Trustmark Corporation Marfin Egnatia Bank SA UMB Financial Corporation National Bank of Ras-Al-Khaimah Unibanca S.p.A Nedbank Limited Volvo Auto Bank GmbH NIBC Bank N.V. Webster Financial Corporation OTP Banka Slovensko, a.s. (OBS) West Bromwich Building Society Russian Agricultural Bank Whitney Holding Corporation Sberbank Zions Bancorporation Scotiabank Inverlat S.A. Siam Commercial Bank Public Co. Baa1 Sovereign Bank ABSA Bank Limited Stand. Charter. B (Thai) Pblc Co Agricultural Bank of Greece SA Standard Bank of South Africa Ahli Bank S.A.O.G. Standard International Holdings Bancaperta S.P.A. Taishin International Bank Banco Credit Suisse Mexico Unipol Banca S.p.A. Banco Guipuzcoano [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 83 • Global Banks by Rating

UOB (Thai) Public Company Ltd VTB Europe Finance B.V. Vnesheconombank Volvofinans Bank AB Baa3 VTB24 Absolut Bank Woori Investment & Sec Co., Ltd. Banca Comerciala Romana S.A. ZAO Raiffeisenbank Banco Bradesco S.A., (New York) Banco Bradesco SA, Grand Cayman Baa2 Banco del Bajio, S.A. African Bank Limited Banco Do Brasil S.A. (Cayman) AmBank (M) Berhad Banco Itau BBA (Nassau Branch) Amen Bank Banco Multisectorial Arab Tunisian Bank Banco Portugues de Negocios Axis Bank Ltd, Singapore Branch Banco Regional de Monterrey, SA BancApulia S.p.A. Banco Votorantim S.A. Nassau Br Bank BPH SA Bermuda Commercial Bank Limited Bank of Ayudhya BPN - Cayman, Limited Bank of Ayudhya (HK) BPN-Banco Port. de Neg, S.A. Bank of Baroda (London) Bradford & Bingley plc Bank of India (London) BRD - Groupe Societe Generale Bank of India, Jersey Branch China Merchants Bank Bank of Nevada Credit Europe Bank N.V. Bank Societe Generale Vostok Discover Financial Services BankMuscat International B.S.C. DSK Bank PLC Banque de Tunisie FHB Mortgage Bank Co. Plc. Banque Int'le Arabe de Tunisie Fideicomiso de Fomento Minero Bladex S.A. IKB Deutsche Industriebank AG Boubyan Bank Investcorp Bank B.S.C. Chevy Chase Bank FSB Investcorp Capital Limited China CITIC Bank Investcorp S.A. Chong Hing Bank Limited JSB Rosbank CITIC Ka Wah Bank Limited Meliorbanca S.p.A. Colonial BancGroup, Inc. (The) Piraeus Bank Bulgaria AD Discover Bank Raiffeisen Bank SA E. Sun Financial Holding Co. Ltd Raiffeisenbank (Bulgaria) EAD EON Bank Berhad Taishin Financial Holding Co. Fiat Group Automobiles Fin Ser Uniao de Bancos Brasil., GC Br. Fortis N.V. United Gulf Bank B.S.C. Fortis SA/NV Western Alliance Bancorporation Hellenic Bank Public Company Ltd House Constr. Sav. Bank of KZ Ba1 ICICI Bank Limited, HK Branch Alfa MTN Invest Ltd ICICI Bank Ltd, Singapore Alfa MTN Issuance Limited ICICI Bank UK Plc. Alfa MTN Markets Limited ICICI Bank, Bahrain Branch Alfa MTN Projects Limited Independence Community Bank Corp Alfa-Bank Investec PLC ATF Bank KazAgroFinance, JSC Banca Italease S.p.A. Mauritius Commercial Bk. Ltd. Banco Industrial e Comercial Oddo & Cie Banco Interacciones, S.A. Primer Banco del Istmo, S.A. Banco Internacional Costa Rica Rusfinance Bank Bank CenterCredit Russian Bank for Development Bank of Attica S.A. Siam City Bank Public Co Ltd, CI BPN - SGPS, S.A. Siam City Bank Public Co. Ltd. BTA Bank SinoPac Holdings China Everbright Bank Societe Tunisienne de Banque Credit Europe Bank Ltd. Sovereign Bancorp, Inc. Demir-Halk Bank (Nederland) N.V. State Bank of India, London Finans Finansal Kiralama A.S. State Bank of India, Nassau Br First Investment Bank AD State Bank of Mauritius Ltd. FirstBank Puerto Rico TMB Bank Public Company Ltd Flagstar Bank, FSB Union Bank of India, HK Branch Halyk Savings Bk of Kazakhstan United Commercial Bank Israel Credit Cards Limited VTB Bank (Austria) AG Kazkommertsbank VTB Bank (France) SA MDM Bank VTB Bank Europe plc MKB Unionbank AD [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 84 • Global Banks by Rating

Parex Bank Int'l Bank of Azerbaijan RCI Banque Sucursal Argentina Latvijas Krajbanka A/S Russian Regional Develop. Bank Moscow Mortgage Agency Shanghai Pudong Dev. Bank National Bank of Egypt SAE TransCreditBank Oriental Bank of Commerce Zagrebacka banka d.d. Promsvyazbank Prudential Bank, S.A. Ba2 Punjab National Bank Ak Bars Bank Russian Standard Bank Alliance Bank SB Sberbank JSC Attijariwafa Bank Shenzhen Development Bank Co. Ltd Axis Bank Ltd Siauliu Bankas, AB Banco ABC Brasil S.A. State Bank of India Banco ABN AMRO Real S.A. Syndicate Bank Banco BBM S.A. Uniao de Bancos Brasileiros S.A. Banco BGN S.A. Union Bank of India Banco BMG S.A. Banco Bonsucesso S.A. Ba3 Banco Bradesco S.A. AB Bankas SNORAS Banco Citibank S.A. AB Ukio Bankas Banco Cruzeiro do Sul S.A. ACBA - Credit Agricole Banco de Bogota Alfa-Bank Kazakhstan Banco de Credito del Peru Anelik Bank CJSCo. Banco do Brasil S.A. Arab Bank PLC Banco Fibra S.A. Ardshininvestbank CJSC Banco Industrial e Comercial SA Armeconombank (Armenian EDBank) Banco Internacional del Peru B.F. Saul Real Est. Inv. Tr. Banco Itau BBA S.A. Banca Comerciala Carpatica Banco Itau S.A. Banco Ibi S.A. - Banco Multiplo Banco Itau S.A. (Cayman Isls) Banco Industrial do Brasil S.A. Banco Mercantil do Brasil S.A. Banco Industrial S.A. Banco Nac. Desenv. Econ. Soc. Banco Modal S.A. Banco Nossa Caixa S.A. Banco Schahin S.A. Banco PanAmericano S.A. BanCoppel, S.A. Banco Pine S.A. Bank Saint-Petersburg OJSC Banco Privado Portugues S.A. Bank Uralsib Banco Ribeirao Preto S.A. (BRP) BNP Paribas Personal Finance EAD Banco Safra S.A. Cairo Amman Bank Banco Santander S.A. (Brazil) Caspian Bank Banco Sofisa S.A. Corporate Commercial Bank AD Banco Votorantim S.A. DBK Leasing Bancolombia S.A. E*TRADE Bank Banif - Bnc. Inter. do Funchal Ekspo Faktoring A.S. Banif Banco de Inv (Brasil) SA Evrofinance Mosnarbank Bank Mandiri Persero (PT),Cayman Far Eastern Bank Bank of Alexandria SAE Gazenergoprombank Bank of Baroda Home Credit & Finance Bank Bank of India Housing Bank for Trade & Finance Banque du Caire SAE Nomos Bank Banque Misr SAE Norvik Banka, JSC BES Investimento do Brasil S.A. Petrocommerce Bank BMCE Bank Petrocommerce Invest S.A. Caixa Economica Federal (CAIXA) Seimar Alliance Fin Corp, JSC Canara Bank SibAcademFinance plc Central Bank of India Temirbank Commercial Intl. Bank (Egypt)SAE URSA Bank Credit du Maroc Vozrozhdenie Bank Export-Import Bank of India Zenit Bank Getin Bank SA Ghana Commercial Bank Ltd B1 Guangdong Development Bank Akbank TAS HDFC Bank Limited Allied Banking Corporation HSBC Bank Brasil-Banco Multiplo Anadolubank AS ICICI Bank Limited Asia Commercial Bank IDBI Bank Ltd Asya Katilim Bankasi A.S. ING Bank N.V. - Sao Paulo Balti Investeer Grupi Pank AS [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 85 • Global Banks by Rating

Baltic International Bank Banco Itau Uruguay S.A. Banco Autofin Mexico, S.A. Banco Multiva, S.A. Banco De Oro Unibank, Inc. Banco santander, S.A. (Uruguay) Banco Hipotecario del Uruguay Bank Finance and Credit, OJSC Banco Paulista S.A. Bank Moscow-Minsk Banco Prosper S.A. Bank Nadra Banco Republica Orient. Uruguay Bank SOYUZ, JSCB Bank Central Asia Tbk (P.T.) Belagroprombank JSC Bank Danamon Indonesia TBK (PT) Belarusbank JSSB Bank for Inv. & Dev. of Vietnam Belinvestbank Bank Internasional Indonesia PT Belpromstroibank Bank Mandiri (P.T.) Calyon Bank Ukraine Bank Negara Indonesia TBK (P.T.) Commercial Bank Investbank AD Bank of the Philippine Islands Commercial Bk Agropromcredit Bank Permata TBK (P.T.) Credit Uruguay Banco S.A. Bank Rakyat Indonesia (P.T.) DonGorBank, CJCS Bank Standard Eurokommerz Holding Limited Bank Tabungan Negara (P.T.) First Ukrainian Int'l Bk, CJSC Bankpozitif Kredi Kalk Bk A.S. Forum Bank BTA Bank (Russia) Fundservicebank Center-Invest Bank Gazbank JSCB Comm. Bk "Renaissance Cap", LLC Index-Bank Credit Bank of Moscow ING Bank Ukraine Denizbank A.S. Investment Trade Bank Devel. Bank of the Philippines J & T Banka, a. s. Doral Financial Corporation JS Commerrcial Bank Respublika Eurasian Bank Kazinvestbank Eurobank Tekfen AS Kedr Bank Finansbank AS Khan Bank LLC HSBC Bank A.S. (Turkey) Khreschatyk Bank International Asset Bank AD Kreditprombank International Industrial Bank Lloyds TSB Bank plc (Uruguay) JSC Nurbank Locko-bank Kapital Bank OJSC Metallinvestbank JSCB Land Bank of the Philippines National Factoring Company Metropolitan Bank & Trust Co. National Reserve Bank Moscow Bank for Reconstr.&Devel NBD Bank National Bank TRUST OTP Bank (Ukraine) NurFinance B.V. Pivdennyi Bank, JSCB Pan Indonesia Bank TBK (P.T.) Pravex-Bank Philippine National Bank Privatbank PrivatBank AS Privatbanka a.s. PT Bank Lippo Tbk Raiffeisen Bank Aval PT Bank Niaga Tbk Russ-Bank, OJSC Rizal Commercial Bank Corp. Savings Bank of Ukraine Rosevrobank SKB-Bank T.C. Ziraat Bankasi Subsidiary Bank Sber of Russia Techcombank Swedbank Invest TranscapitalBank JSC Bank Swedbank OJSC TRUST Investment Bank Tatfondbank Tsesna Bank Technikabank Turk Ekonomi Bankasi AS Trade & Dvlpmt Bank of Mongolia Turkiye Garanti Bankasi AS Trasta Komercbanka Turkiye Is Bankasi AS Ukreximbank Turkiye Sinai Kalkinma Bank. AS Ukrgasbank Turkiye Vakiflar Bankasi TAO Ukrprombank United Coconut Planters Bank UkrSibbank Vietnam International Bank Ukrsotsbank Yapi ve Kredi Bankasi AS Uniastrum Bank UniBank Commercial Bank B2 VAB Bank ABN AMRO Bank N.V.,Montevideo Br XacBank LLC Alfa Bank Ukraine Baltiyskiy Bank B3 Banco Bandes Uruguay S.A. ACLEDA Bank Plc Banco BVA S.A. Active-Bank [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 86 • Global Banks by Rating

Agroimpuls JSCB Akibank Caa1 Aljba Alliance Commercial Bank ABN AMRO Bank N.V. (Argentina) Alokabank Joint-Stock Comm Bank Avtovazbank Baltinvestbank Banco BISA S.A. Banco de Vnzla, Grupo Santander Banco Cetelem Argentina S.A. Banco GMAC S.A. Banco Ciudad de Buenos Aires Bank Audi Banco Columbia S.A. Bank Evropeyskiy Banco Comafi S.A. Bank of Beirut Banco Credicoop Cooperativo Bank of Georgia Banco de la Nacion Argentina Bank Uralsky Financial House Banco de la Nacion Argt (Urg) BLOM BANK s.a.l. Banco de Santiago del Estero Byblos Bank S.A.L. Banco de Valores S.A. Cambodian Public Bank Banco del Tucuman S.A. CentroCredit Bank Banco Economico S.A. (Bolivia) Credit Dnepr Bank Banco Finansur S.A. Credit-Standard Bank Banco Ganadero S.A. Delta Bank JSC Banco Hipotecario S.A. Downey Savings & Loan Assn. Banco Itau Argentina S.A. European Trust Bank Banco Macro S.A. Eximbank Kazakhstan Banco Mercantil Santa Cruz S.A. Expobank Banco Nacional de Bolivia S.A. Express-Bank Banco Patagonia S.A. First Czech Russian Bank Banco Piano S.A. First Republic Bank JSC Banco Santander Rio S.A. First United Bank Banco Solidario S.A. (Bolivia) Gallabank Banco Supervielle S.A. Habib Bank Ltd. BNP Paribas (Argentina) Imexbank JSCB Fondo Financiero Privado Fassil Industrialbank, JSCB Gazinvestbank International Investment Bank Glitnir banki hf Interprombank, JSCB Guta Bank Ipoteka Bank HSBC Bank Argentina S.A. Lehman Brothers Bankhaus AG Kaupthing Bank hf Lehman Brothers Commercial Bank Landsbanki Islands hf MCB Bank Limited MBA Banco de Inversiones S.A. Mercantil, C.A., Banco Univ Nuevo Banco Bisel S.A. Metkombank Nuevo Banco de La Rioja S.A. My Bank Nuevo Banco Industrial de Azul National Bank of Pakistan PSA Finance Argentina Comp.Fin. National Bank of Uzbekistan Rossiyskiy Kredit Bank National Standard Bank Standard Bank Argentina S.A. Natsionalny Kosmichesky Bank OAO Toyota Comp. Financ.de Argentina Petersburg Social Comm Bank Caa2 Promtorgbank AsiaUniversalBank JSC Rodovid Bank Bank Severnaya Kazna Rosdorbank KIT Finance Investment Bank Rosprombank Moscow Capital Bank Russian International Bank Prominvestbank Russlavbank Sviaz-Bank SMP Bank TumenEnergoBank Sobinbank Washington Mutual, Inc. Solidarnost Sovcombank Ca Stroykredit Bank Downey Financial Corp. Sudostroitelny Bank Washington Mutual Bank TBC Bank Turon Joint-Stock Comm Bank SHORT-TERM[1] Ukrgazprombank United Bank Ltd. P-1 Ural Bank for Reconstr. & Dev-t Allied Irish Banks, NY Vneshprombank Banco di Brescia S.p.A. Lux Vostochny Express Bank Banco Espirito Santo, London Banco Espirito Santo, Madeira [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. Banco Espirito Santo, SA, CI [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 87 • Global Banks by Rating

Banco Pop Societa Coop, Lndn Br Members Untd Corp Fed. Credit Bank of America, N.A.(Sydney Br) Merrill Lynch Int'l Bank Ltd. Bankinter Emisiones,SA Uniperson Mizuho Corporate Bnk,Ltd(Cayman) Barclays Bank of Canada Mizuho Financial Group, Inc. Barclays Bank PLC, Australia Br. Nacional Financiera, S.N.C. Barclays Bank PLC, Singapore Natixis Commercial Paper Corp. Barclays Bank PLC, Tokyo Rabobank Nederland, Paris Branch Bayerische Hypo-Und Vereinsbank Rabobank Polska SA Bayerische Hypo-und Vereinsbank Royal Bank of Canada (Sydney Br) BNP Paribas Canada Royal Bank of Scotland, Tokyo Br BOS (Ireland) Funding Plc Scotiabanc Inc. Central Corporate Credit Union Shinhan Bank, New York Branch Commerce Bancshares, Inc. Stadshypotek AB Commerzbank AG, London Branch Stadshypotek Delaware, Inc. Corporate Central Credit Union Standard Chartered Bank, Tokyo Corporate One FCU Sumitomo Mitsui Bkg Co.of Canada Dexia Credit Local, Stockholm SunCorp Corporate Credit Union DZ Bank AG, Cayman Islands Toronto-Dominion Hldgs (USA) Erste Finance (Delaware) LLC TOTTA (IRELAND) p.l.c. Espirito Santo Plc U.S. Bank Nat. Ass., Canada Br. FB Funding Ulster Bank Finance PLC FirstRand (Ireland) plc Harris Bankcorp, Inc. P-2 Honda Bank GmbH Lease Plan New Zealand Limited HSH Nordbank, Luxembourg Branch Sofira SNC ING Bank of Canada NP Korea Development Bank, NY Br. Lehman Brothers Bank, FSB LaSalle Bank Corporation [1] Where no long-term deposit, senior unsecured, or Issuer rating exists. [1] Where no long-term deposit, senior unsecured, or Issuer rating exists.

Moody’s Investors Service • 88 • Global Banks by Financial Strength Rating November 17, 2008

Issuer Domicile [1] LT Bank Financial [2] Short-Term A Wells Fargo Bank Northwest, N.A. United States Aaa P-1 Wells Fargo Bank, N.A. United States Aaa P-1 A- Bank of America, N.A. United States Aaa P-1 FIA Card Services, N.A. United States Aaa P-1 U.S. Bank National Assoc. ND United States Aa1 P-1 U.S. Bank National Association United States Aa1 P-1 B+ Banco Popular Espanol, S.A. Spain Aa1 P-1 Bank of New York (Lux.) S.A. Luxembourg Aa2 P-1 Bank of New York Mellon (The) United States Aaa P-1 BB&T Financial, FSB United States Aa2 P-1 BNY Mellon National Association United States Aaa P-1 BNY Mellon Trust of Delaware United States Aaa P-1 Branch Banking and Trust Co. United States Aa2 P-1 Cheltenham & Gloucester plc United Kingdom Aaa P-1 Commerce Bank, N.A. United States Aa2 P-1 Countrywide Bank FSB United States Aaa P-1 Hang Seng Bank Limited Hong Kong Aa2 P-1 Hongkong and Shanghai Bank Corp. Hong Kong Aa2 P-1 JPMorgan Chase Bank, NA United States Aaa P-1 Lloyds TSB Bank Plc United Kingdom Aaa P-1 Rabobank Nederland Netherlands Aaa P-1 Royal Bank of Canada Canada Aaa P-1 Royal Trust Corp. of Canada Canada Aaa P-1 SIX SIS Ltd Switzerland Aa1 P-1 SIX x-clear Ltd Switzerland Aa1 P-1 State Street Bank and Trust Co. United States Aa1 P-1 Toronto-Dominion Bank (The) Canada Aaa P-1 B Australia and NZ Banking Group Australia Aa1 P-1 Banco Bilbao Viz. Argentar. S.A. Spain Aa1 P-1 Banco Credito Local Espana Spain Aa1 P-1 Banco Santander S.A. (Spain) Spain Aa1 P-1 Bank of Hawaii United States Aa3 P-1 Bank of Montreal Canada Aa1 P-1 Bank of Nova Scotia Canada Aa1 P-1 Bank of Scotland plc United Kingdom Aa1 P-1 Barclays Bank PLC United Kingdom Aa1 P-1 BNP Paribas France Aa1 P-1 Chase Bank USA, N.A. United States Aaa P-1 Citibank (South Dakota), N.A. United States Aa1 P-1 Citibank Europe plc Ireland Aa3 P-1 Citibank International Plc United Kingdom Aa3 P-1 Citibank Japan Ltd. Japan Aa3 P-1 Citibank, N.A. United States Aa1 P-1 Citigroup Global Mkts Deutsch. Germany Aa3 P-1 Citizens Bank of Pennsylvania United States Aa3 P-1 City National Bank United States Aa3 P-1 Commonwealth Bank of Australia Australia Aa1 P-1 Credit Agricole S.A. France Aa1 P-1 Credit Suisse Switzerland Aa1 P-1 Danske Bank A/S Denmark Aa1 P-1 DBS Bank Ltd. Singapore Aa1 P-1 Deutsche Bank AG Germany Aa1 P-1 Fifth Third Bank, Michigan United States Aa3 P-1 Fifth Third Bank, Ohio United States Aa3 P-1 Frost National Bank United States Aa3 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 89 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Goldman Sachs Bank (Europe) plc Ireland Aa3 P-1 Goldman Sachs Bank USA United States Aa3 P-1 Goldman Sachs Private Bank Ltd. Ireland Aa3 P-1 HSBC Bank plc United Kingdom Aa1 P-1 HSBC Private Bank (Suisse) SA Switzerland Aa2 P-1 La Caixa Spain Aa1 P-1 M&I Bank FSB United States Aa3 P-1 M&I Marshall & Ilsley Bank United States Aa3 P-1 Montreal Trust Company of Canada Canada Aa1 P-1 National Australia Bank Ltd. Australia Aa1 P-1 National Westminster Bank PLC United Kingdom Aa1 P-1 Nationwide Building Society United Kingdom Aa2 P-1 Nordea Bank AB Sweden Aa1 P-1 Nordea Bank Finland Plc Finland Aa1 P-1 Northern Trust Company United States Aa3 P-1 OP-Pohjola Group Finland — — Oversea-Chinese Banking Corp Ltd Singapore Aa1 P-1 PNC Bank, Delaware United States Aa3 P-1 PNC Bank, N.A. United States Aa3 P-1 RBS Citizens, NA United States Aa3 P-1 Royal Bank of Scotland plc United Kingdom Aa1 P-1 St.George Bank Limited Australia Aa2 P-1 SunTrust Bank United States Aa3 P-1 Svenska Handelsbanken AB Sweden Aa1 P-1 Union Bank of California, N.A. United States Aa3 P-1 United Overseas Bank Limited Singapore Aa1 P-1 Wachovia Bank, N.A. United States Aa2 P-1 Westpac Banking Corporation Australia Aa1 P-1 World Savings Bank, FSB United States Aa2 P-1 B- ABN AMRO Bank N.V. Netherlands Aa2 P-1 Allied Irish Banks, p.l.c. Ireland Aa2 P-1 American Express Bank, FSB United States A1 P-1 American Express Centurion Bank United States A1 P-1 ASB Bank Limited New Zealand Aa2 P-1 Associated Bank, N.A. United States A1 P-1 Astoria Federal Savings & Loan United States A1 P-1 Banco Bradesco S.A. Brazil Ba2 NP Banco de Chile Chile A2 P-1 Banco Espanol de Credito S.A. Spain Aa2 P-1 Banco Itau BBA S.A. Brazil Ba2 NP Banco Itau S.A. Brazil Ba2 NP Banco Sabadell, S.A. Spain Aa3 P-1 Banco Santander-Chile Chile A2 P-1 Bank Julius Baer & Co. AG Switzerland Aa3 P-1 Bank of Ireland Ireland Aa2 P-1 Bank of Oklahoma, N.A. United States A1 P-1 Bank of the West United States Aa3 P-1 Bankinter, S.A. Spain Aa3 P-1 Canadian Imperial Bank Commerce Canada Aa2 P-1 CIBC Mellon Trust Company Canada — — Clariden Leu AG Switzerland Aa2 P-1 Clydesdale Bank plc United Kingdom Aa3 P-1 Comerica Bank United States A1 P-1 Compass Bank United States Aa3 P-1 Confederacion Espanola Ahorro Spain Aa2 P-1 DNB NOR Bank ASA Norway Aa1 P-1 First Hawaiian Bank United States Aa3 P-1 First-Citizens Bank & Tr. Co. United States A1 P-1 FirstMerit Bank, N.A. United States A1 P-1 Fulton Bank United States A1 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 90 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Hancock Bank United States A1 P-1 Hancock Bank of Louisiana United States A1 P-1 Harris N.A. United States Aa3 P-1 ING Bank N.V. Netherlands Aa2 P-1 ING Belgium SA/NV Belgium Aa2 P-1 Intesa Sanpaolo Spa Italy Aa2 P-1 Jyske Bank A/S Denmark Aa2 P-1 KBC Bank N.V. Belgium Aa2 P-1 KeyBank National Association United States A1 P-1 Le Credit Lyonnais S.A. France Aa1 P-1 LGT Bank in Liechtenstein AG Liechtenstein Aa3 P-1 Manufacturers & Traders Tr Co United States A1 P-1 Morgan Stanley Bank AG Germany A1 P-1 Morgan Stanley Bank Int''l Ltd. United Kingdom A1 P-1 Morgan Stanley Bank, N.A. United States A1 P-1 National Bank of Canada Canada Aa2 P-1 National Bank of Kuwait Kuwait Aa2 P-1 Nordea Bank Danmark A/S Denmark Aa1 P-1 Nordea Bank Norge ASA Norway Aa1 P-1 Old National Bank United States A1 P-1 Prudential Bank & Trust, FSB United States A1 P-1 Regions Bank United States A1 P-1 Sampo Bank plc Finland Aa1 P-1 SEB Sweden Aa2 P-1 Societe Generale France Aa2 P-1 Sparkassen-Finanzgruppe Germany — — St. Galler Kantonalbank Switzerland Aa1 P-1 Standard Chartered Bank (HK) Ltd Hong Kong Aa3 P-1 Suncorp-Metway Ltd. Australia Aa3 P-1 TCF National Bank United States A1 P-1 TD Bank, N.A. United States Aa2 P-1 Texas State Bank United States Aa3 P-1 UBS AG Switzerland Aa2 P-1 Uniao de Bancos Brasileiros S.A. Brazil Ba2 NP Unicaja Spain Aa3 P-1 Valley National Bank United States A1 P-1 Wilmington Trust Company United States A1 P-1 C+ Abbey National plc United Kingdom Aa3 P-1 Alliance & Leicester plc United Kingdom Aa3 P-1 Amegy Bank National Assoc. United States A2 P-1 Anglo Irish Bank Corp. Plc Ireland A1 P-1 ANZ National Bank Ltd New Zealand Aa2 P-1 Arab Bank PLC Jordan Ba3 NP Banc Internacional D'Andorra S.A Andorra A2 P-1 Banca Infrast. Innov. e Sviluppo Italy Aa3 P-1 Banco Comercial Portugues, S.A. Portugal Aa3 P-1 Banco Cooperativo Espanol, S.A. Spain A1 P-1 Banco de Credito e Inversiones Chile A2 P-1 Banco del Estado de Chile Chile A2 P-1 Banco Espirito Santo, S.A. Portugal Aa3 P-1 Banco Nacional de Mexico, S.A. Mexico Baa1 P-2 Banco Popular de Puerto Rico United States A2 P-1 Banco Santander Totta S.A. Portugal Aa3 P-1 BancorpSouth Bank United States A2 P-1 Bank Morgan Stanley AG Switzerland A1 P-1 Bank of China (Hong Kong) Ltd Hong Kong Aa3 P-1 Bank of New Zealand New Zealand Aa2 P-1 Bank Vontobel AG Switzerland A1 P-1 Banque et Caisse d'Epargne Luxembourg Aaa P-1 Banque Federale des Banque Pop. France Aa3 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 91 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Banque Saudi Fransi Saudi Arabia A1 P-1 BBVA Bancomer, S.A. Mexico Baa1 P-2 Bilbao Bizkaia Kutxa Spain A1 P-1 BSI AG Switzerland A1 P-1 Caisse Centrale Desjardins Canada Aa1 P-1 Caixanova Spain A1 P-1 Caja Ahorros Monte Piedad Madrid Spain Aa3 P-1 Caja de Ahorros de Vitoria Alava Spain A1 P-1 Caja Laboral Popular Coop.de Crt Cred. Spain A1 P-1 California Bank & Trust United States A2 P-1 Capital One Bank United States A2 P-1 Capital One, N.A. United States A2 P-1 Cassa Di Risparmio Di Parma Italy Aa3 P-1 Chugoku Bank, Limited Japan Aa3 P-1 Chuo Mitsui Asset Trust & Bk Co Japan A1 P-1 Citigroup Pty Limited Australia Aa3 P-1 Citizens Bank, Michigan United States A2 P-1 Close Brothers Ltd. United Kingdom A2 P-1 CNCE France Aa3 P-1 Columbus Bank & Trust Co. United States A2 P-1 Commerzbank Europe (Ireland) Ireland A2 P-1 Commerzbank International S.A. Luxembourg A2 P-1 Coventry Building Society United Kingdom A2 P-1 DBS Bank (Hong Kong) Limited Hong Kong Aa3 P-1 Deutsche Postbank AG Germany Aa2 P-1 Deutsche Schiffsbank AG Germany A2 P-1 Dexia Sabadell, S.A. Spain A2 P-1 EFG Bank Switzerland A2 P-1 EFG Eurobank Ergasisa S.A. Greece Aa3 P-1 First Commercial Bank United States A2 P-1 First Midwest Bank United States A2 P-1 HSBC Bank Middle East Limited Jersey Aa2 P-1 HSBC Bank USA, N.A. United States Aa2 P-1 HSBC France France Aa3 P-1 Hudson Valley Bank United States A2 P-1 Huntington National Bank United States A2 P-1 Ibercaja Spain A1 P-1 ING Bank (Australia) Ltd. Australia Aa3 P-1 Irish Life & Permanent plc Ireland Aa3 P-1 Landshypotek AB (publ) Sweden A2 P-1 LaSer Cofinoga France Aa3 P-1 Leeds Building Society United Kingdom A2 P-1 Macquarie Bank Limited Australia A1 P-1 Merrill Lynch Bank & Trust Co United States A2 — Merrill Lynch Bank USA United States A2 P-1 Muenchener Hypothekenbank eG Germany Aa3 P-1 Nanyang Commercial Bank, Ltd. Hong Kong Aa3 P-1 National Bank of Greece S.A. Greece Aa3 P-1 National City Bank United States A2 P-1 Nevada State Bank United States A2 P-1 New York Community Bank United States A2 P-1 Newcastle Perm. Building Society Australia A2 P-1 Nykredit Bank A/S Denmark Aa3 P-1 OTP Bank Hungary A3 P-2 OTP Jelzalogbank Rt (OTP Mtge B) Hungary A3 P-2 Pacific Capital Bank, N.A. United States A2 P-1 People's United Bank United States A2 P-1 Pohjola Bank plc Finland Aa1 P-1 Raiffeisen Schweiz Switzerland Aa1 P-1 Resona Trust & Banking Company Japan A1 P-1 Ringkjobing Landbobank A/s Denmark A1 P-1 Samba Financial Group Saudi Arabia A1 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 92 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Santander Consumer Finance S.A. Spain A1 P-1 Saudi British Bank Saudi Arabia A1 P-1 Shanghai Commercial Bank Hong Kong A2 P-1 Shinkin Central Bank Japan Aa2 P-1 Shizuoka Bank, Ltd. Japan Aa3 P-1 Silicon Valley Bank United States A2 P-1 Skipton Building Society United Kingdom A2 P-1 SNS Bank N.V. Netherlands A1 P-1 SpareBank 1 Nord-Norge Norway Aa3 P-1 SpareBank 1 SMN Norway Aa3 P-1 SpareBank 1 SR-Bank Norway Aa3 P-1 Sparkasse Aachen Germany Aa2 P-1 Sparkasse Spree-Neisse Germany Aa2 P-1 Stadtsparkasse Duesseldorf Germany Aa1 P-1 Standard Bank of South Africa South Africa Baa1 P-2 Standard Chartered Bank United Kingdom A2 P-1 Swedbank AB Sweden Aa3 P-1 Sydbank A/S Denmark Aa3 P-1 Trustmark National Bank United States A2 P-1 Ulster Bank Ireland Limited Ireland Aa2 P-1 Ulster Bank Limited United Kingdom Aa2 P-1 UMB Bank, N.A. United States A2 P-1 UniCredit Banca per la Casa Italy Aa3 P-1 UniCredit Bank Austria AG Austria Aa2 P-1 UniCredit SpA Italy Aa3 P-1 United Bank United States A2 P-1 United Bank, Inc. United States A2 P-1 Valiant Bank AG Switzerland A1 P-1 Volkswagen Bank GmbH Germany A2 P-1 Webster Bank N.A. United States A2 P-1 Westpac New Zealand Limited New Zealand Aa2 P-1 Whitney National Bank United States A2 P-1 Wing Hang Bank, Limited Hong Kong A2 P-1 Wing Lung Bank Limited Hong Kong A2 P-1 Zions First National Bank United States A2 P-1 Zuercher Kantonalbank Switzerland Aaa P-1 C ABSA Bank Limited South Africa Baa1 P-2 Aktia Bank p.l.c. Finland A1 P-1 Al Rajhi Bank Saudi Arabia A1 P-1 Alpha Bank AE Greece A1 P-1 Amarillo National Bank United States A3 P-2 American Savings Bank, FSB United States A3 P-2 Arab National Bank Saudi Arabia A1 P-1 Banca CR Firenze S.p.A. Italy Aa3 P-1 Banca March S.A. Spain A2 P-1 Banca Monte dei Paschi di Siena Italy Aa3 P-1 Banca Nazionale Del Lavoro Italy Aa2 P-1 Banca Popolare dell'Alto Adige Italy A1 P-1 Banca Popolare di Marostica Italy A2 P-1 Banca Popolare di Milano Italy A1 P-1 Banca Popolare Friuladria Italy Aa3 P-1 Banca Toscana S.p.A. Italy A1 P-1 Banco ABN AMRO Real S.A. Brazil Ba2 NP Banco BPI S.A. Portugal A1 P-1 Banco do Brasil S.A. Brazil Ba2 NP Banco Pastor, S.A. Spain A2 P-1 Banco Santander Puerto Rico United States A2 P-1 Banco Santander, S.A. (Mexico) Mexico Baa1 P-2 Bank Hapoalim B.M. Israel A1 P-1 Bank Leumi Israel A1 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 93 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Bank of East Asia, Limited Hong Kong A2 P-1 Bank of N.T. Butterfield & Son Ltd.(The) Bermuda Aa3 P-1 Bank of Queensland Limited Australia A2 P-1 Bank of Tokyo-Mitsubishi UFJ Japan Aa2 P-1 Bank of Western Australia Ltd Australia Aa3 — Bank of Yokohama, Ltd. Japan A1 P-1 Bank Polska Kasa Opieki SA Poland A2 P-1 Banque Fed. du Credit Mutuel France Aa3 P-1 Banque PSA Finance France A3 P-2 Banque SYZ & Co. S.A. Switzerland A3 P-2 BBV Argentaria Puerto Rico United States Aa3 P-1 Bendigo and Adelaide Bank Australia A2 P-1 BMW Bank of North America United States A2 P-1 Bremer Landesbank Kred. Old. Germany Aa2 P-1 Britannia Building Society United Kingdom A2 P-1 Caisse C'ale du Credit Immo France A1 P-1 Caixa Catalunya Spain A2 P-1 Caixa d'Estalvis de Manresa Spain A2 P-1 Caixa d'Estalvis del Penedes Spain A2 P-1 Caixa Galicia Spain A2 P-1 Caixa Geral de Depositos, S.A. Portugal Aa1 P-1 Caja Ahorros Valencia, Bancaja Spain A2 P-1 Caja de Ahorros del Mediterraneo Spain A2 P-1 Caja de Ahorros Mun. de Burgos Spain A2 P-1 Caja Duero Spain A2 P-1 Caja Rural de Navarra Spain A2 P-1 Cajamar Cj. Rrl., Soc. Coop. Cr. Spain A2 P-1 CALYON France Aa1 P-1 Ceska Sporitelna, a.s. Czech Republic A1 P-1 Ceskoslovenska Obchodni Banka Czech Republic A1 P-1 Chelsea Building Society United Kingdom A2 P-1 Chiba Bank, Ltd. Japan A1 P-1 China Cnst. Bk (Asia) Corp. Ltd. Hong Kong A2 P-1 Chiyu Banking Corporation, Ltd. Hong Kong Aa3 P-1 Clientis AG Switzerland A3 P-1 Co-Operative Bank Plc United Kingdom A2 P-1 Commercial Bank of Kuwait Kuwait Aa3 P-1 Commerzbank AG Germany Aa3 P-1 Credit Foncier de France France Aa3 P-1 Dah Sing Bank, Limited Hong Kong A3 P-1 DB UK Bank Limited United Kingdom Aa3 P-1 DekaBank Deutsche Girozentrale Germany Aa2 P-1 Deutsche Apotheker-und Aerztebk. Germany A2 P-1 Deutsche Bank National Trust Co United States Aa3 P-1 Deutsche Bank Trust Co. Americas United States Aa3 P-1 Deutsche Bank Trust Co. Delaware United States Aa3 P-1 Dexia Crediop S.p.A. Italy A1 P-1 Dresdner Bank AG Germany Aa3 P-1 Dresdner Bank Luxembourg S.A. Luxembourg A1 P-1 DVB Bank AG Germany A1 P-1 Erste Group Bank AG Austria Aa3 P-1 Eurohypo AG Germany A1 P-1 Fairbairn Private Bank Limited Jersey A3 P-2 FIH Erhvervsbank A/S Denmark A2 P-1 First Active plc Ireland Aa2 P-1 First National Bank of Omaha United States A3 P-2 First Tennessee Bank, N.A. United States A3 P-2 FirstRand Bank Limited South Africa Baa1 P-2 Friesland Bank N.V. Netherlands A2 P-1 GarantiBank International N.V. Netherlands A3 P-2 Hana Bank Korea A2 P-1 Heritage Building Society Australia A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 94 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Higo Bank Ltd. Japan A1 P-1 HSBC Bank Brasil-Banco Multiplo Brazil Ba2 NP HSBC Mexico, S.A. Mexico Baa1 P-2 HSH Nordbank AG Germany Aa2 P-1 Hypo Tirol Bank AG Austria Aa1 P-1 ICS Building Society Ireland Aa3 P-1 ING Bank of Canada Canada — — Integra Bank National Associat. United States A3 P-2 Intermarket Bank AG Austria A2 P-1 INTRUST Bank, N.A. United States A3 P-2 Investec Bank Ltd. South Africa Baa1 P-2 Investkredit Bank AG Austria A1 P-1 Japan Trustee Services Bank, Ltd Japan Aa3 P-1 KBC Bank Ireland PLC Ireland A1 P-1 Komercni Banka a.s. Czech Republic A1 P-1 Kookmin Bank Korea A2 P-1 Kreissparkasse Koeln Germany Aa2 P-1 Landesbank Baden-Wuerttemberg Germany Aa1 P-1 Lansforsakringar Bank AB (publ) Sweden A2 P-1 LeasePlan Corporation N.V. Netherlands — — Lloyds TSB Offshore Limited Jersey Aa2 P-1 Locindus S.A. France Aa3 P-1 Malayan Banking Berhad Malaysia A3 P-1 Mitsubishi UFJ Trt & Bank. Corp. Japan Aa2 P-1 Mizuho Bank, Ltd. Japan Aa2 P-1 Mizuho Corporate Bank, Ltd. Japan Aa2 P-1 Mizuho Trust & Banking Co., Ltd. Japan Aa2 P-1 National Bank of Abu Dhabi United Arab Emirates Aa3 P-1 National Commercial Bank Saudi Arabia A1 P-1 Natixis France Aa3 P-1 Nedbank Limited South Africa Baa1 P-2 Newcastle Building Society United Kingdom A2 P-1 Norinchukin Bank Japan Aa2 P-1 Norwich & Peterborough Bldg Soc United Kingdom A2 P-1 Nova Ljubljanska banka d.d. Slovenia Aa3 P-1 Oesterreichische Volksbanken AG Austria Aa3 P-1 Piraeus Bank S.A. Greece A1 P-1 Powszechna Kasa Oszczednosci Bk Poland A2 P-1 Principality Building Society United Kingdom A2 P-1 Public Bank Berhad Malaysia A3 P-1 Raiffeisen Zentralbank Oest. Austria Aa2 P-1 Raiffeisenlandesbank Oberoest.AG Austria Aa3 P-1 Raifflndsbnk Niederoesterreich Austria Aa3 P-1 RCI Banque France A3 P-2 Riyad Bank Saudi Arabia A1 P-1 Santander Consumer Bank S.p.A. Italy A1 P-1 Shinhan Bank Korea A2 P-1 Spar Nord Bank A/S Denmark A1 P-1 Sparebanken Vest Norway A1 P-1 Sparkasse KoelnBonn Germany Aa2 P-1 Sumitomo Mitsui Banking Corp. Japan Aa2 P-1 Sumitomo Mitsui Banking Europe United Kingdom Aa2 P-1 Sumitomo Trust And Banking Co. Japan Aa3 P-1 Susquehanna Bank PA United States A3 P-2 Trust & Custody Services Bank Japan Aa2 P-1 UniCredit MedioCred Cen S.p.A. Italy A2 P-1 Unione di Banche Italiane ScpA Italy A1 P-1 Volvo Auto Bank GmbH Germany A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 95 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Vorarlberger Land-und Hypobk AG Austria Aa1 P-1 WGZ BANK AG Germany Aa3 P-1 WGZ Bank Ireland Plc Ireland A2 P-1 Woori Bank Korea A2 P-1 Yorkshire Building Society United Kingdom A2 P-1 C- Abu Dhabi Commercial Bank United Arab Emirates Aa3 P-1 Adelaide Bank Limited Australia A2 P-1 Akbank TAS Turkey B1 NP Al Ahli Bank of Kuwait Kuwait A1 P-1 Amagerbanken A/S Denmark A3 P-2 Arab Banking Corporation B.S.C. Bahrain - Off Shore A3 P-2 AS Hansapank Estonia A1 P-1 Axis Bank Ltd India Ba2 NP Banca Agrileasing SpA Italy A3 P-2 Banca Antonveneta Italy A1 P-1 Banca Carige S.p.A. Italy A2 P-1 Banca della Marca Credito Coop Italy A3 P-1 Banca Delle Marche S.p.A. Italy A2 P-1 Banca Monastier e del Sile Italy A3 P-1 Banca Popolare di Cividale ScpA Italy A3 P-2 Banca Popolare di Spoleto Italy A3 P-1 Banca Sella Holding Italy A2 P-1 Banca Tercas Italy A3 P-1 Bancaperta S.P.A. Italy Baa1 P-2 Banco Citibank S.A. Brazil Ba2 NP Banco de Bogota Colombia Ba2 NP Banco De Valencia S.A. Spain A3 P-2 Banco Guipuzcoano Spain Baa1 P-2 Banco Itau Europa, S.A. Portugal Baa1 P-2 Banco Mercantil del Norte, S.A. Mexico Baa1 P-2 Banco Popolare Soc Cooperativa Italy A2 P-1 Banco Safra S.A. Brazil Ba2 NP Banco Santander S.A. (Brazil) Brazil Ba2 NP Banco Votorantim S.A. Brazil Ba2 NP BANIF-Banco Internac. do Funchal Portugal A2 P-1 Bank Handlowy w Warszawie S.A. Poland A2 P-1 Bank of Cyprus Public Co. Ltd Cyprus A2 P-1 Bank of Kuwait and Middle East Kuwait A1 P-1 Bank of Nevada United States Baa2 P-2 Bank of Scotland (Ireland) Ltd Ireland Aa3 P-1 Bank of the Philippine Islands Philippines B1 NP Bank of Tokyo-Mitsub.UFJ Trust United States Aa2 P-1 Bank Zachodni WBK S.A. Poland A2 P-1 BankMuscat S.A.O.G Oman A2 P-1 Banque Cantonale Vaudoise Switzerland A1 P-1 Banque Palatine France Aa3 P-1 Bausparkasse Mainz AG Germany A3 P-2 Bayerische Hypo-und Vereinsbank Germany A1 P-1 Bayerische Landesbank Germany Aa2 P-1 BBK B.S.C. Bahrain A2 P-1 Bladex S.A. Panama Baa2 P-2 Burgan Bank Kuwait A1 P-1 Caixa d'Estalvis de Tarragona Spain Baa1 P-2 Caixa d'Estalvis de Terrassa Spain A3 P-2 Caixa Economica Montepio Geral Portugal A2 P-1 Caja Cantabria Spain A2 P-1 Caja de Ahorros de Avila Spain Baa1 P-2 Caja de Ahorros de La Rioja Spain A2 P-1 Caja Espana de Inversiones Spain A3 P-2 Caja Insular de Ahor.de Canar. Spain A3 P-2 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 96 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Caja Rural de Granada Spain A3 P-2 Caja Segovia Spain Baa1 P-2 CaRiChieti Italy Baa1 P-2 Carolina First Bank United States Baa1 P-2 Cassa di Risp.di Bolzano-Sudtirl Italy A2 P-1 Cassa di Risparmio Ferrara SpA Italy A3 P-1 Cassa Risparmi Forli Rom Spa Italy A1 P-1 Cathay United Bank Co., Ltd Taiwan A1 P-1 Cheshire Building Society United Kingdom A3 P-2 Chevy Chase Bank FSB United States Baa2 P-2 China Dev. Industrial Bank Taiwan Baa1 P-2 Chinatrust Commercial Bank, Ltd. Taiwan A2 P-1 Chong Hing Bank Limited Hong Kong Baa2 P-2 Chuo Mitsui Tr & Bnkng Co. Ltd. Japan A1 P-1 CIB Bank Ltd. Hungary A3 P-2 Citibank Korea Inc. Korea A2 P-1 Colonial Bank United States Baa1 P-2 Commercial Bank of Qatar Qatar A1 P-1 Commercial Intl. Bank (Egypt)SAE Egypt Ba2 NP Credit Industriel et Commercial France Aa3 P-1 Credito Valtellinese Italy Baa1 P-2 Daegu Bank, Ltd. Korea A2 P-1 Denizbank A.S. Turkey B1 NP Derbyshire Building Society United Kingdom A3 P-2 Deutsche Hypothekenbank AG Germany Aa3 P-1 Dexia Bank Belgium Belgium Aa3 P-1 Dexia Banque Int'l a Luxembourg Luxembourg Aa3 P-1 Dexia Credit Local France Aa3 P-1 Dexia Kommunalkredit Bank Austria — P-1 Discover Bank United States Baa2 P-2 Dunfermline Building Society United Kingdom A3 P-2 DZ BANK AG Deutsche Zentral-Gen. Germany Aa3 P-1 DZ-Bank Ireland plc Ireland A2 P-1 EBS Building Society Ireland A2 P-1 Emirates Bank Int'l PJSC United Arab Emirates A1 P-1 Emporiki Bank of Greece S.A. Greece Aa3 P-1 Finansbank AS Turkey B1 NP Fionia Bank A/S Denmark A3 P-2 First Citizens Bank Limited Trinidad & Tobago Baa1 P-2 First Intl Bank of Israel Israel A1 P-1 Foroya Banki P/F Denmark A3 P-2 Fortis Bank Nederland (Holding) Netherlands A1 P-1 Fortis Bank S.A./N.V. Belgium A1 P-1 Fortis Banque Luxembourg S.A. Luxembourg A1 P-1 Gulf Bank Kuwait A1 P-1 Gulf International Bank BSC Bahrain - Off Shore A2 P-1 Gunma Bank, Ltd. Japan A1 P-1 HDFC Bank Limited India Ba2 NP Hewlett-Packard Intern Bank Plc Ireland A2 P-1 Hong Leong Bank Berhad Malaysia A3 P-1 Housing Bank for Trade & Finance Jordan Ba3 NP HSBC Bank A.S. (Turkey) Turkey B1 NP HSBC Bank Australia Ltd Australia Aa3 P-1 HSBC Bank Malaysia Berhad Malaysia A3 P-1 HVB Banque Luxembourg S.A. Luxembourg A3 P-2 Hyakujushi Bank Limited Japan A2 — Hypo Real Estate Bank AG Germany A2 P-1 Hypo Real Estate Bank Int'l AG Germany A2 P-1 ICICI Bank Limited India Ba2 NP Ind. & Coml Bk of China (Asia) Hong Kong A2 P-1 Independent Bank United States Baa1 P-2 Investec Bank (Australia) Ltd Australia Baa1 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 97 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Investec Bank (UK) Ltd United Kingdom Baa1 P-2 Irish Nationwide Build. Society Ireland Baa1 P-2 Israel Discount Bank Israel A1 P-1 Joyo Bank, Ltd. Japan A1 P-1 Kereskedelmi & Hitel Bank Rt. Hungary A3 P-2 KfW IPEX-Bank GmbH Germany Aa3 P-1 Kommunalkredit Austria AG Austria Aa3 P-1 Kommunalkredit Int. Bank Ltd Cyprus — — Korea Exchange Bank Korea A2 P-1 Kuwait Finance House Kuwait Aa3 P-1 Landesbk Hessen-Thueringen GZ Germany Aa2 P-1 Lukas Bank S.A. Poland A2 P-1 Marfin Popular Bk Public Co. Ltd Cyprus A3 P-1 MashreqBank psc United Arab Emirates A2 P-1 Mediocredito Trentino-Alto Adige Italy Aa3 P-1 Mega Int'l Commercial Bank Taiwan A1 P-1 Mizrahi Tefahot Bank Israel A1 P-1 MKB Bank Rt. Hungary A3 P-2 National Bank of Bahrain BSC Bahrain A2 P-1 National Bank of Dubai PJSC United Arab Emirates A1 P-1 NIBC Bank N.V. Netherlands Baa1 P-2 Norddeutsche Landesbank GZ Germany Aa2 P-1 Norddeutsche Landesbank Lux. Luxembourg Aa3 P-1 Nottingham Building Society United Kingdom A3 P-2 Nova Kreditna banka Maribor d.d. Slovenia A1 P-1 NRW.BANK Germany — — Oddo & Cie France Baa2 P-3 Oman Arab Bank (SAOC) Oman A2 P-1 Primer Banco del Istmo, S.A. Panama Baa2 P-2 Public Bank (Hong Kong) Limited Hong Kong A3 P-1 Pusan Bank Korea A2 P-1 Qatar National Bank Qatar Aa3 P-1 RBC Bank (USA) United States Aa3 P-1 San-in Godo Bank, Ltd. Japan A2 P-1 Saudi Hollandi Bank Saudi Arabia A1 P-1 Saudi Investment Bank Saudi Arabia A2 P-1 Scarborough Building Society United Kingdom A3 P-2 Scotiabank Inverlat S.A. Mexico Baa1 P-2 SEB AG Germany A1 P-1 Slovenska sporitelna, a.s. Slovak Republic A1 P-1 Sovereign Bank United States Baa1 P-2 Sparebanken Oest Norway A1 P-1 Standard Bank Plc United Kingdom A3 P-2 Standard Chartered Bank Malaysia Malaysia A3 P-1 Standard Life Bank Limited United Kingdom A2 P-1 State Bank of India India Ba2 NP State Bank of Mauritius Ltd. Mauritius Baa2 P-2 Storebrand Bank Norway A2 P-1 Taipei Fubon Bank Taiwan A2 P-1 Tatra banka, a.s. Slovak Republic A1 P-1 Turkiye Garanti Bankasi AS Turkey B1 NP Unibanca S.p.A Italy A3 P-1 United Commercial Bank United States Baa2 P-2 Volvofinans Bank AB Sweden Baa1 P-2 Vseobecna uverova banka, a.s. Slovak Republic Aa3 P-1 West Bromwich Building Society United Kingdom A3 P-2 D+ Abanka Vipa d.d. Slovenia A3 P-2 African Bank Limited South Africa Baa2 P-2 Alfa-Bank Russia Ba1 NP AMP Bank Limited Australia A2 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 98 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Aozora Bank, Ltd. Japan A3 P-2 Arab Bank Australia Limited Australia A3 P-1 Attijariwafa Bank Morocco Ba2 NP BancApulia S.p.A. Italy Baa2 P-2 Banco ABC Brasil S.A. Brazil Ba2 NP Banco BBM S.A. Brazil Ba2 NP Banco BMG S.A. Brazil Ba2 NP Banco Credit Suisse Mexico Mexico Baa1 P-2 Banco Cruzeiro do Sul S.A. Brazil Ba2 NP Banco de Credito del Peru Peru Ba2 NP Banco de Valores S.A. Argentina Caa1 NP Banco del Bajio, S.A. Mexico Baa3 P-3 Banco Industrial e Comercial SA Brazil Ba2 NP Banco Internacional del Peru Peru Ba2 NP Banco Nossa Caixa S.A. Brazil Ba2 NP Banco Regional de Monterrey, SA Mexico Baa3 P-3 Banco Santander Rio S.A. Argentina Caa1 NP Banco Sofisa S.A. Brazil Ba2 NP Bangkok Bank Thailand Baa1 P-2 Bank Al-Jazira Saudi Arabia A3 P-2 Bank Central Asia Tbk (P.T.) Indonesia B1 NP Bank Dhofar SAOG Oman A3 P-2 Bank of America Mexico, S.A. Mexico Baa1 P-2 Bank of Baroda India Ba2 NP Bank of Fukuoka, Ltd. Japan A3 P-2 Bank of India India Ba2 NP Bank of Taiwan Taiwan Aa3 P-1 Bank of Valletta Malta Baa1 P-2 Bank Rakyat Indonesia (P.T.) Indonesia B1 NP Bank Sinopac Taiwan Baa1 P-2 BankMuscat International B.S.C. Bahrain Baa2 P-2 Banque de Tunisie Tunisia Baa2 P-2 Barclays Bank Ireland PLC Ireland Aa3 P-1 Bermuda Commercial Bank Limited Bermuda Baa3 P-3 BES Investimento do Brasil S.A. Brazil Ba2 NP BMCE Bank Morocco Ba2 NP BPN-Banco Port. de Neg, S.A. Portugal Baa3 P-3 BRD - Groupe Societe Generale Romania Baa3 P-3 Budapest Bank Rt. Hungary A3 P-2 Caixa Economica Federal (CAIXA) Brazil Ba2 NP Cambodian Public Bank Cambodia B3 NP Canara Bank India Ba2 NP China Merchants Bank China Baa3 P-3 CIMB Bank Berhad Malaysia A3 P-1 CITIC Ka Wah Bank Limited Hong Kong Baa2 P-2 Commercial Bank of Dubai PSC United Arab Emirates A2 P-1 Credit du Maroc Morocco Ba2 NP Credit Europe Bank N.V. Netherlands Baa3 P-3 Demir-Halk Bank (Nederland) N.V. Netherlands Ba1 NP Depfa ACS Bank Ireland A2 P-1 DEPFA Bank plc Ireland A2 P-1 DEPFA Deutsche Pfandbriefbank AG Germany A2 P-1 DEPFA-Bank Europe P.L.C. Ireland A2 P-1 Doha Bank Q.S.C. Qatar A2 P-1 DSK Bank PLC Bulgaria Baa3 P-3 Dubai Islamic Bank PJSC United Arab Emirates — — E. Sun Commercial Bank, Ltd. Taiwan Baa1 P-2 Efibanca S.p.A. Italy Baa1 P-2 Erste Bank Hungary Rt Hungary A3 P-2 FHB Mortgage Bank Co. Plc. Hungary Baa3 P-3 First Gulf Bank United Arab Emirates A2 P-1 FirstBank Puerto Rico United States Ba1 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 99 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Flagstar Bank, FSB United States Ba1 NP General Bank of Greece S.A. Greece A3 P-1 Gulf Investment Corporation Kuwait A3 P-1 Hellenic Bank Public Company Ltd Cyprus Baa2 P-2 Hiroshima Bank, Limited Japan A3 P-2 HSBC Bank Argentina S.A. Argentina Caa1 NP Industrial Bank of Korea Korea A2 P-1 ING Bank Slaski S.A. Poland A2 P-1 ING Bank, S.A. (Mexico) Mexico Baa1 P-2 Interbanca S.p.A Italy A3 P-2 Investcorp Bank B.S.C. Bahrain - Off Shore Baa3 P-3 Investcorp S.A. Luxembourg Baa3 P-3 Jeonbuk Bank Korea A3 P-1 KASIKORNBANK Public Co. Ltd Thailand Baa1 P-2 Landesbank Berlin AG Germany A1 P-1 Landesbank Saar Germany Aa2 P-1 Marfin Egnatia Bank SA Greece Baa1 P-2 Mauritius Commercial Bk. Ltd. Mauritius Baa2 P-2 MDM Bank Russia Ba1 NP Meliorbanca S.p.A. Italy Baa3 P-3 MPS Capital Services Italy A1 P-1 National Agricult. Coop. Feder. Korea A2 P-1 National Bank of Oman Limited Oman A3 P-2 National Bank of Ras-Al-Khaimah United Arab Emirates Baa1 P-2 Ogaki Kyoritsu Bank, Ltd. Japan A3 P-2 Oman International Bank (SAOG) Oman A3 P-2 Oriental Bank of Commerce India Ba2 NP Punjab National Bank India Ba2 NP Raiffeisenbank (Bulgaria) EAD Bulgaria Baa3 P-3 Resona Bank, Ltd. Japan A1 P-1 Sberbank Russia Baa1 P-2 Shinsei Bank, Limited Japan A3 P-2 Siam Commercial Bank Public Co. Thailand Baa1 P-2 Stand. Charter. B (Thai) Pblc Co Thailand Baa1 P-2 Standard Chart. 1st Bk Korea Ltd Korea A2 P-1 Suruga Bank, Ltd. Japan A3 P-2 Syndicate Bank India Ba2 NP T.C. Ziraat Bankasi Turkey B1 NP Taishin International Bank Taiwan Baa1 P-2 Turk Ekonomi Bankasi AS Turkey B1 NP Turkiye Is Bankasi AS Turkey B1 NP Turkiye Sinai Kalkinma Bank. AS Turkey B1 NP Turkiye Vakiflar Bankasi TAO Turkey B1 NP UBS DEUTSCHLAND AG Germany A2 P-1 UniCredit Bank Slovakia a.s. Slovak Republic A2 P-1 Union Bank of India India Ba2 NP Union National Bank PJSC United Arab Emirates A1 P-1 Unipol Banca S.p.A. Italy Baa1 P-2 United Gulf Bank B.S.C. Bahrain - Off Shore Baa3 P-3 Yapi ve Kredi Bankasi AS Turkey B1 NP Zagrebacka banka d.d. Croatia Ba1 NP ZAO Raiffeisenbank Russia Baa1 P-2 D Abu Dhabi Islamic Bank United Arab Emirates — — ACLEDA Bank Plc Cambodia B3 NP Agricultural Bank of Greece SA Greece Baa1 P-2 Ahli Bank S.A.O.G. Oman Baa1 P-2 Anadolubank AS Turkey B1 NP Arab Tunisian Bank Tunisia Baa2 P-2 Asia Commercial Bank Vietnam B1 NP Asya Katilim Bankasi A.S. Turkey B1 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 100 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Banca Comerciala Romana S.A. Romania Baa3 P-3 Banco Bonsucesso S.A. Brazil Ba2 NP Banco Ciudad de Buenos Aires Argentina Caa1 NP Banco Credicoop Cooperativo Argentina Caa1 NP Banco De Oro Unibank, Inc. Philippines B1 NP Banco del Tucuman S.A. Argentina Caa1 NP Banco Fibra S.A. Brazil Ba2 NP Banco Hipotecario S.A. Argentina Caa1 NP Banco Industrial S.A. Guatemala Ba3 NP Banco Interacciones, S.A. Mexico Ba1 NP Banco Internacional Costa Rica Panama Ba1 NP Banco Itau Argentina S.A. Argentina Caa1 NP Banco Itau Uruguay S.A. Uruguay B2 NP Banco Macro S.A. Argentina Caa1 NP Banco Mercantil do Brasil S.A. Brazil Ba2 NP Banco Mercantil Santa Cruz S.A. Bolivia Caa1 NP Banco PanAmericano S.A. Brazil Ba2 NP Banco Patagonia S.A. Argentina Caa1 NP Banco Pine S.A. Brazil Ba2 NP Banco Privado Portugues S.A. Portugal Ba2 NP Banco Ribeirao Preto S.A. (BRP) Brazil Ba2 NP Banco santander, S.A. (Uruguay) Uruguay B2 NP Banco Solidario S.A. (Bolivia) Bolivia Caa1 NP Bancolombia S.A. Colombia Ba2 NP Bank Danamon Indonesia TBK (PT) Indonesia B1 NP Bank Gospodarki Zywnosciowej SA Poland A2 P-1 Bank Internasional Indonesia PT Indonesia B1 NP Bank Millennium S.A. Poland A3 P-2 Bank of Attica S.A. Greece Ba1 NP Bank of Ayudhya Thailand Baa2 P-2 Bank of Communications China Baa1 P-2 Bank of Tokyo-Mit. UFJ (MX) Mexico — — Bankpozitif Kredi Kalk Bk A.S. Turkey B1 NP Banque Int'le Arabe de Tunisie Tunisia Baa2 P-2 Barclays Bank Mexico, S.A. Mexico Baa1 P-2 BAWAG P.S.K. Austria Baa1 P-2 Boubyan Bank Kuwait Baa2 P-2 BRE Bank S.A. Poland A2 P-1 Calyon Bank Ukraine Ukraine B2 NP Ceskoslovenska obchodna banka Slovak Republic A2 P-1 Chang Hwa Commercial Bank Taiwan A3 P-1 China CITIC Bank China Baa2 P-2 Credit Uruguay Banco S.A. Uruguay B2 NP DeltaCredit Bank Russia Baa1 P-2 Deutsche Bank Mexico, S.A. Mexico Baa1 P-2 Devel. Bank of the Philippines Philippines B1 NP Dubai Bank United Arab Emirates — — EON Bank Berhad Malaysia Baa2 P-3 First Commercial Bank Taiwan A3 P-1 First Investment Bank AD Bulgaria Ba1 NP Getin Bank SA Poland Ba2 NP Halyk Savings Bk of Kazakhstan Kazakhstan Ba1 NP Hang Seng Bank (China) Limited China A1 P-1 HSBC Bank (China) Company China A1 P-1 Hua Nan Commercial Bank Ltd. Taiwan A3 P-1 ICICI Bank UK Plc. United Kingdom Baa2 P-2 ING Bank Eurasia Russia Baa1 P-2 ING Bank Ukraine Ukraine B2 NP JSB Rosbank Russia Baa3 P-3 JSCB Bank of Moscow Russia Baa1 P-2 Kansai Urban Banking Corporation Japan Aa2 P-1 Khan Bank LLC Mongolia B2 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 101 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Kinki Osaka Bank, Ltd. (The) Japan A1 P-1 Korea Development Bank Korea A2 P-1 Kredyt Bank S.A. Poland A2 P-1 Land Bank of Taiwan Taiwan Aa3 P-1 MCB Bank Limited Pakistan B3 NP Metropolitan Bank & Trust Co. Philippines B1 NP Minato Bank, Ltd (The) Japan Aa2 P-1 National Bank of Egypt SAE Egypt Ba2 NP National Bank of Pakistan Pakistan B3 NP Nuevo Banco Bisel S.A. Argentina Caa1 NP OTP Bank (Ukraine) Ukraine B2 NP Pan Indonesia Bank TBK (P.T.) Indonesia B1 NP Promsvyazbank Russia Ba2 NP PT Bank Lippo Tbk Indonesia B1 NP PT Bank Niaga Tbk Indonesia B1 NP Raiffeisen Bank Aval Ukraine B2 NP Raiffeisen Bank SA Romania Baa3 P-3 RHB Bank Berhad Malaysia A3 P-1 Russian Standard Bank Russia Ba2 NP Saitama Resona Bank, Ltd. Japan A1 P-1 Shanghai Pudong Dev. Bank China Ba1 NP Shoko Chukin Bank, Ltd. Japan Aaa P-1 Siam City Bank Public Co. Ltd. Thailand Baa2 P-3 Siauliu Bankas, AB Lithuania Ba2 NP Taiwan Cooperative Bank Taiwan A2 P-1 UkrSibbank Ukraine B2 NP Ukrsotsbank Ukraine B2 NP UOB (Thai) Public Company Ltd Thailand Baa1 P-2 VTB Bank (Austria) AG Austria Baa2 P-2 VTB Bank (France) SA France Baa2 P-2 VTB Bank Europe plc United Kingdom Baa2 P-2 XacBank LLC Mongolia B2 NP Zurich Bank Ireland A1 P-1 D- AB Bankas SNORAS Lithuania Ba3 NP AB Ukio Bankas Lithuania Ba3 NP Absolut Bank Russia Baa3 P-3 ACBA - Credit Agricole Armenia Ba3 NP Ak Bars Bank Russia Ba2 NP AmBank (M) Berhad Malaysia Baa2 P-3 Amen Bank Tunisia Baa2 P-2 Anelik Bank CJSCo. Armenia Ba3 NP Ardshininvestbank CJSC Armenia Ba3 NP Armeconombank (Armenian EDBank) Armenia Ba3 NP ATF Bank Kazakhstan Ba1 NP Banca Comerciala Carpatica Romania Ba3 NP Banca Italease S.p.A. Italy Ba1 NP Banco BGN S.A. Brazil Ba2 NP Banco BISA S.A. Bolivia Caa1 NP Banco Cetelem Argentina S.A. Argentina Caa1 NP Banco Comafi S.A. Argentina Caa1 NP Banco de Santiago del Estero Argentina Caa1 NP Banco de Vnzla, Grupo Santander Venezuela B3 NP Banco Ibi S.A. - Banco Multiplo Brazil Ba3 NP Banco Industrial do Brasil S.A. Brazil Ba3 NP Banco Modal S.A. Brazil Ba3 NP Banco Nacional de Bolivia S.A. Bolivia Caa1 NP Banco Piano S.A. Argentina Caa1 NP Banco Republica Orient. Uruguay Uruguay B1 NP Banco Schahin S.A. Brazil Ba3 NP Banco Supervielle S.A. Argentina Caa1 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 102 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Banif - Bnc. Inter. do Funchal Brazil Ba2 NP Banif Banco de Inv (Brasil) SA Brazil Ba2 NP Bank Audi Lebanon B3 NP Bank BPH SA Poland Baa2 P-2 Bank CenterCredit Kazakhstan Ba1 NP Bank Mandiri (P.T.) Indonesia B1 NP Bank Negara Indonesia TBK (P.T.) Indonesia B1 NP Bank of Alexandria SAE Egypt Ba2 NP Bank of Beirut Lebanon B3 NP Bank of China Limited China A1 P-1 Bank of Georgia Georgia B3 NP Bank Permata TBK (P.T.) Indonesia B1 NP Bank Saint-Petersburg OJSC Russia Ba3 NP Bank Societe Generale Vostok Russia Baa2 P-2 Bank Tabungan Negara (P.T.) Indonesia B1 NP Bank Uralsib Russia Ba3 NP Bank VTB North-West Russia Baa1 P-2 Bank VTB, JSC Russia Baa1 P-2 Banque du Caire SAE Egypt Ba2 NP Banque Misr SAE Egypt Ba2 NP BLOM BANK s.a.l. Lebanon B3 NP Bre Bank Hipoteczny Poland Baa1 P-2 BTA Bank Kazakhstan Ba1 NP Byblos Bank S.A.L. Lebanon B3 NP Cairo Amman Bank Jordan Ba3 NP Caspian Bank Kazakhstan Ba3 NP Central Bank of India India Ba2 NP China Construction Bank Corp China A1 P-1 China Everbright Bank China Ba1 NP Corporate Commercial Bank AD Bulgaria Ba3 NP Credit Europe Bank Ltd. Russia Ba1 NP E*TRADE Bank United States Ba3 NP Eurobank Tekfen AS Turkey B1 NP Gazprombank Russia Baa1 P-2 Ghana Commercial Bank Ltd Ghana B3 NP Guangdong Development Bank China Ba2 NP Habib Bank Ltd. Pakistan B3 NP Home Credit & Finance Bank Russia Ba3 NP Hypo Alpe-Adria-Bank Int'l AG Austria A2 P-1 IDBI Bank Ltd India Ba2 NP Industrial&Commerc.Bank of China China A1 P-1 Istrobanka, a.s. Slovak Republic — — Kazkommertsbank Kazakhstan Ba1 NP Kiyo Bank, Ltd. Japan Baa1 P-2 Krung Thai Bank Thailand Baa1 P-2 Land Bank of the Philippines Philippines B1 NP Latvijas Krajbanka A/S Latvia Ba2 NP MBA Banco de Inversiones S.A. Argentina Caa1 NP Mercantil, C.A., Banco Univ Venezuela B3 NP MKB Unionbank AD Bulgaria Ba1 NP Mortgage and Land Bank of Latvia Latvia A3 P-2 Nomos Bank Russia Ba3 NP Norvik Banka, JSC Latvia Ba3 NP Nuevo Banco de La Rioja S.A. Argentina Caa1 NP OTP Banka Slovensko, a.s. (OBS) Slovak Republic Baa1 P-2 Petrocommerce Bank Russia Ba3 NP Piraeus Bank Bulgaria AD Bulgaria Baa3 P-3 Privatbank Ukraine B2 NP Rizal Commercial Bank Corp. Philippines B1 NP Shenzhen Development Bank Co. Ltd China Ba2 NP Standard Bank Argentina S.A. Argentina Caa1 NP Suhyup Bank Korea A2 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 103 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term TBC Bank Georgia B3 NP Techcombank Vietnam B1 NP TMB Bank Public Company Ltd Thailand Baa2 P-2 Trade & Dvlpmt Bank of Mongolia Mongolia B2 NP TransCreditBank Russia Ba1 NP Ukreximbank Ukraine B2 NP United Bank Ltd. Pakistan B3 NP URSA Bank Russia Ba3 NP Vietnam International Bank Vietnam B1 NP Vozrozhdenie Bank Russia Ba3 NP VTB24 Russia Baa1 P-2 Zenit Bank Russia Ba3 NP E+ Active-Bank Ukraine B3 NP Agroimpuls JSCB Russia B3 NP Akibank Russia B3 NP Alfa Bank Ukraine Ukraine B2 NP Alfa-Bank Kazakhstan Kazakhstan Ba3 NP Aljba Alliance Commercial Bank Russia B3 NP Alliance Bank Kazakhstan Ba2 NP Allied Banking Corporation Philippines B1 NP Alokabank Joint-Stock Comm Bank Uzbekistan B3 NP Balti Investeer Grupi Pank AS Estonia B1 NP Baltic International Bank Latvia B1 NP Baltinvestbank Russia B3 NP Baltiyskiy Bank Russia B2 NP Banco Autofin Mexico, S.A. Mexico B1 NP Banco BVA S.A. Brazil B2 NP Banco Columbia S.A. Argentina Caa1 NP Banco Finansur S.A. Argentina Caa1 NP Banco Ganadero S.A. Bolivia Caa1 NP Banco GMAC S.A. Brazil B3 NP Banco Multiva, S.A. Mexico B2 NP Banco Paulista S.A. Brazil B1 NP Banco Prosper S.A. Brazil B1 NP BanCoppel, S.A. Mexico Ba3 NP Bank Evropeyskiy Ukraine B3 NP Bank Finance and Credit, OJSC Ukraine B2 NP Bank for Inv. & Dev. of Vietnam Vietnam B1 NP Bank Moscow-Minsk Belarus B2 NP Bank Nadra Ukraine B2 NP Bank SOYUZ, JSCB Russia B2 NP Bank Standard Azerbaijan B1 NP Bank Uralsky Financial House Russia B3 NP Belagroprombank JSC Belarus B2 NP Belarusbank JSSB Belarus B2 NP Belinvestbank Belarus B2 NP Belpromstroibank Belarus B2 NP BTA Bank (Russia) Russia B1 NP Center-Invest Bank Russia B1 NP CentroCredit Bank Russia B3 NP Comm. Bk "Renaissance Cap", LLC Russia B1 NP Commercial Bank Investbank AD Bulgaria B2 NP Commercial Bk Agropromcredit Russia B2 NP Credit Bank of Moscow Russia B1 NP Credit Dnepr Bank Ukraine B3 NP Credit-Standard Bank Uzbekistan B3 NP Delta Bank JSC Kazakhstan B3 NP DonGorBank, CJCS Ukraine B2 NP Eurasian Bank Kazakhstan B1 NP European Trust Bank Russia B3 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 104 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Evrofinance Mosnarbank Russia Ba3 NP Eximbank Kazakhstan Kazakhstan B3 NP Expobank Russia B3 NP Express-Bank Ukraine B3 NP Far Eastern Bank Russia Ba3 NP First Czech Russian Bank Russia B3 NP First Republic Bank JSC Russia B3 NP First Ukrainian Int'l Bk, CJSC Ukraine B2 NP First United Bank Russia B3 NP Fondo Financiero Privado Fassil Bolivia Caa1 NP Forum Bank Ukraine B2 NP Fundservicebank Russia B2 NP Gallabank Uzbekistan B3 NP Gazbank JSCB Russia B2 NP Gazenergoprombank Russia Ba3 NP Government Housing Bank,Thailand Thailand Baa1 P-2 House Constr. Sav. Bank of KZ Kazakhstan Baa2 P-2 Imexbank JSCB Ukraine B3 NP Index-Bank Ukraine B2 NP Industrialbank, JSCB Ukraine B3 NP Int'l Bank of Azerbaijan Azerbaijan Ba2 NP International Asset Bank AD Bulgaria B1 NP International Industrial Bank Russia B1 NP International Investment Bank Russia B3 NP Interprombank, JSCB Russia B3 NP Investment Trade Bank Russia B2 NP Ipoteka Bank Uzbekistan B3 NP J & T Banka, a. s. Czech Republic B2 NP JS Commerrcial Bank Respublika Azerbaijan B2 NP JSC Nurbank Kazakhstan B1 NP Kapital Bank OJSC Azerbaijan B1 NP Kazinvestbank Kazakhstan B2 NP Kedr Bank Russia B2 NP Khreschatyk Bank Ukraine B2 NP Kreditprombank Ukraine B2 NP Locko-bank Russia B2 NP Metallinvestbank JSCB Russia B2 NP Metkombank Russia B3 NP Moscow Bank for Reconstr.&Devel Russia B1 NP Moscow Mortgage Agency Russia Ba2 NP My Bank Russia B3 NP National Bank of Uzbekistan Uzbekistan B3 NP National Bank TRUST Russia B1 NP National Factoring Company Russia B2 NP National Reserve Bank Russia B2 NP National Standard Bank Russia — NP Natsionalny Kosmichesky Bank OAO Russia B3 NP NBD Bank Russia B2 NP Northern Rock plc United Kingdom A2 P-1 Nuevo Banco Industrial de Azul Argentina Caa1 NP Parex Bank Latvia Ba1 NP Petersburg Social Comm Bank Russia B3 NP Philippine National Bank Philippines B1 NP Pivdennyi Bank, JSCB Ukraine B2 NP Pravex-Bank Ukraine B2 NP PrivatBank AS Latvia B1 NP Privatbanka a.s. Slovak Republic B2 NP Promtorgbank Russia B3 NP Prudential Bank, S.A. Mexico Ba2 NP PSA Finance Argentina Comp.Fin. Argentina Caa1 NP Rodovid Bank Ukraine B3 NP Rosdorbank Russia B3 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 105 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Rosevrobank Russia B1 NP Rosprombank Russia B3 NP Rusfinance Bank Russia Baa2 P-2 Russ-Bank, OJSC Russia B2 NP Russian Agricultural Bank Russia Baa1 P-2 Russian Bank for Development Russia Baa2 P-2 Russian International Bank Russia B3 NP Russian Regional Develop. Bank Russia Ba1 NP Russlavbank Russia B3 NP Savings Bank of Ukraine Ukraine B2 NP SB Sberbank JSC Kazakhstan Ba2 NP SKB-Bank Russia B2 NP SMP Bank Russia B3 NP Sobinbank Russia B3 NP Societe Tunisienne de Banque Tunisia Baa2 P-2 Solidarnost Russia B3 NP Sovcombank Russia B3 NP Stroykredit Bank Russia B3 NP Subsidiary Bank Sber of Russia Ukraine B2 NP Sudostroitelny Bank Russia B3 NP Swedbank Invest Ukraine B2 NP Swedbank OJSC Ukraine B2 NP Tatfondbank Russia B2 NP Technikabank Azerbaijan B2 NP Temirbank Kazakhstan Ba3 NP Toyota Comp. Financ.de Argentina Argentina Caa1 NP TranscapitalBank JSC Bank Russia B1 NP Trasta Komercbanka Latvia B2 NP TRUST Investment Bank Russia B1 NP Tsesna Bank Kazakhstan B1 NP Turon Joint-Stock Comm Bank Uzbekistan B3 NP Ukrgasbank Ukraine B2 NP Ukrgazprombank Ukraine B3 NP Ukrprombank Ukraine B2 NP Uniastrum Bank Russia B2 NP UniBank Commercial Bank Azerbaijan B2 NP Ural Bank for Reconstr. & Dev-t Russia B3 NP VAB Bank Ukraine B2 NP Vnesheconombank Russia Baa1 P-2 Vneshprombank Russia B3 NP Vostochny Express Bank Russia B3 NP WestLB AG Germany A2 P-1 WestLB Covered Bond Bank Ireland A2 P-1 E Agricultural Bank of China China A1 P-1 AsiaUniversalBank JSC Kyrgyzstan Caa2 NP Avtovazbank Russia Caa1 NP Banco Hipotecario del Uruguay Uruguay B1 NP Bank Severnaya Kazna Russia Caa2 NP Downey Savings & Loan Assn. United States B3 NP Gazinvestbank Russia Caa1 NP Glitnir banki hf Iceland Caa1 NP Guta Bank Russia Caa1 NP IKB Deutsche Industriebank AG Germany Baa3 P-3 Kaupthing Bank hf Iceland Caa1 NP KIT Finance Investment Bank Russia Caa2 NP Landsbanki Islands hf Iceland Caa1 NP Moscow Capital Bank Russia Caa2 NP Prominvestbank Ukraine Caa2 NP Rossiyskiy Kredit Bank Russia Caa1 NP Sachsen LB Europe PLC Ireland Aa1 P-1 [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 106 • Global Banks by Financial Strength Rating November 17, 2008 Issuer Domicile [1] LT Bank Financial [2] Short-Term Sviaz-Bank Russia Caa2 NP TumenEnergoBank Russia Caa2 NP United Coconut Planters Bank Philippines B1 NP [1] Moody's deposit obligations ratings are issuer (rather than issue) ratings. For U.S. banks & thrifts, this rating applies only to domestic deposit obligations. Other Senior Obliga- tions (OSO) of U.S. banks are covered by the OSO ratings on the U.S. Banks & Thrifts / OSO Ratings list. For non-U.S. banks, the deposit obligation rating applies to all deposit obli- gations. [2] Moody's short-term debt rating for commercial paper, bank deposits, or other short-term debt.

Moody’s Investors Service • 107 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock Abanka Vipa d.d. Baa3 Pastor Particip. Preferen., S.A. Baa1 ABN AMRO Holding N.V. — Banco Popolare Soc Cooperativa Baa1 ABN AMRO Cap Funding LLC VII (P)A1 Banca Popolare di Lodi InvTrtIII Baa1 ABN AMRO Cap Funding LLC VIII (P)A1 Banco Popular Espanol, S.A. — ABN AMRO Cap Funding Tr VIII (P)A1 Popular Capital, S.A. Aa3 ABN AMRO Cap Funding Trust IX (P)A1 Popular Preference (Cayman) Ltd. Aa3 ABN AMRO Capital Fndg Trust III A1 Banco Sabadell, S.A. A2 ABN AMRO Capital Funding LLC V (P)A1 Banco Santander S.A. (Spain) — ABN AMRO Capital Funding LLC VI (P)A1 Abbey National Capital LP I A2 ABN AMRO Capital Funding LLC IX (P)A1 Abbey National Capital LP II (P)A2 ABN AMRO Capital Funding Tr V A1 Abbey National Capital Trust I A2 ABN AMRO Capital Funding Tr VI A1 Abbey National Capital Trust II (P)A2 ABN AMRO Capital Funding Tr VII A1 Banco Espanol de Credito S.A. A1 Advanta Corp. (P)B3 Banesto Holdings, Ltd. A1 Advanta Capital L.L.C. (P)B2 Banesto Preferentes, S.A. A1 Advanta Capital Trust I B2 BCH Capital Limited Aa3 Alliance & Leicester plc A2 BSCH Finance Limited Aa3 Allianz SE — Santander Finance Capital, SA Aa3 Dresdner Funding Trust I A2 Santander Finance Preferred SA Aa3 Dresdner Funding Trust II A2 Santander Overseas Bank, Inc. Aa3 Dresdner Funding Trust III A2 Totta & Acores Financing Ltd. A2 Dresdner Funding Trust IV A2 BancorpSouth, Inc. — HT 1 Funding Trust GbmH (P)A2 BancorpSouth Capital Trust I Baa1 Allied Irish Banks, p.l.c. A1 Banif SGPS SA — AIB UK 1 LP A1 Banif Finance, Limited Baa1 AIB UK 2 LP A1 Bank of America Corporation A1 AIB UK 3 LP A1 ABN AMRO N. America Cap Fdg Trt A1 Alpha Bank AE — ABN AMRO N. America Holding Co. A1 Alpha Group Jersey Limited A3 ABN AMRO N.A. Cap. Fdg. Trt. II A1 AmBank Group — ABN AMRO N.A. Hldg Cap Fdg LLC I A1 AMBB Capital (L) Ltd Ba2 ABN AMRO N.A. Hldg Cap Fdg LLC X A1 Anglo Irish Bank Corp. Plc A3 ABN AMRO N.A. Hldg Cap Fdg VIII A1 Anglo Irish Asset Finance PLC A3 ABN AMRO N.A. Hldg Cap Fdg IX A1 Anglo Irish Capital UK (2) LP A3 ABN AMRO N.A. Hldg Cap Fdg XI A1 Anglo Irish Capital UK (3) LP A3 ABN AMRO N.A. Hldg Cap Fdg XII A1 Associated Banc-Corp (P)Baa1 ABN AMRO N.A. Hldg Cap Fdg XIII A1 ASBC Capital I A3 ABN AMRO N.A. Hldg Cap Fdg XIV A1 ASBC Capital II (P)A3 ABN AMRO NA Hdg Cp Fdg LLC XVIII A1 ASBC Capital III (P)A3 ABN AMRO NA Hldg Cap Fdg LLC III A1 Australia and NZ Banking Group Aa3 ABN AMRO NA Hldg Cap Fdg LLC IV A1 ANZ Banking Group Ltd, NY Br. Aa3 ABN AMRO NA Hldg Cap Fdg LLC V A1 ANZ Capital Trust I Aa3 ABN AMRO NA Hldg Cap Fdg LLC VI A1 ANZ Capital Trust II Aa3 ABN AMRO NA Hldg Cap Fdg LLC VII A1 ANZ Capital Trust III Aa3 ABN AMRO NA Hldg Cap Fdg LLC XV A1 Axis Bank Ltd — ABN AMRO NA Hldg Cap Fdg LLC XVI A1 Axis Bank Ltd, Singapore Branch Baa2 ABN AMRO NA Hldg Cap Fdg LLC XIX A1 Banca Italease S.p.A. — ABN AMRO NA Hldg Cap. Fdg LLC II A1 Banca Italease Capital Trust B1 BAC Capital Trust I Aa3 Banca Monte dei Paschi di Siena — BAC Capital Trust II Aa3 MPS Capital Trust I A2 BAC Capital Trust III Aa3 Banca Popolare di Milano A3 BAC Capital Trust IV Aa3 BPM Capital Trust I A3 BAC Capital Trust V Aa3 Banco Bilbao Viz. Argentar. S.A. — BAC Capital Trust VI (P)Aa3 BBVA Capital Finance, S.A Aa3 BAC Capital Trust VII Aa3 BBVA Capital Funding Limited Aa3 BAC Capital Trust VIII Aa3 BBVA International Limited Aa3 BAC Capital Trust IX (P)Aa3 BBVA Internatl Pref Unipersonal Aa3 BAC Capital Trust X Aa3 Compass Bancshares, Inc. (P)A3 BAC Capital Trust XI Aa3 Banco Comercial Portugues, S.A. A2 BAC Capital Trust XII Aa3 BCP Finance Company A2 BAC Capital Trust XIII A1 BCP International Bank Ltd. (P)A2 BAC Capital Trust XIV A1 Banco De Valencia S.A. — BAC Capital Trust XV Aa3 BVA Preferentes, S.A. Baa2 BAC Capital Trust XVI (P)Aa3 Banco Pastor, S.A. — BAC Capital Trust XVII (P)Aa3

Moody’s Investors Service • 108 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock BAC Capital Trust XVIII (P)Aa3 Bank of Queensland Limited Baa1 BAC Capital Trust XIX (P)Aa3 Bankinter, S.A. — BAC Capital Trust XX (P)Aa3 Bankinter Emisiones,SA Uniperson A2 Banc of America Pfd. Fndg. Corp. Aa2 Barclays Plc — BankAmerica Capital I Aa3 Barclays Bank PLC Aa3 BankAmerica Capital II Aa3 BAWAG P.S.K. — BankAmerica Capital III Aa3 BAWAG Cap. Finance (Jersey) III Ba1 BankAmerica Inst. Capital A Aa3 BAWAG Capital Fin (Jersey) Ltd Ba1 BankAmerica Institut'l Cap. B Aa3 BAWAG Capital Fin (Jersey)II Ltd Ba1 BankBoston Capital Trust III Aa3 Bayerische Landesbank — BankBoston Capital Trust IV Aa3 BayernLB Capital Trust I A1 BankBoston Corporation A1 Hypo Alpe-Adria (Jersey) Ltd. Baa2 Barnett Banks, Inc. A1 Hypo Alpe-Adria (Jersey) II Ltd Baa2 Barnett Capital Trust III Aa3 BB&T Corporation (P)A2 Fleet Capital Trust II Aa3 BB&T Capital Trust I A1 Fleet Capital Trust V Aa3 BB&T Capital Trust II A1 Fleet Capital Trust VII (P)Aa3 BB&T Capital Trust III (P)A1 Fleet Capital Trust VIII Aa3 BB&T Capital Trust IV A1 Fleet Capital Trust IX Aa3 BB&T Capital Trust V A1 FleetBoston Financial Corp. A1 BBVA Preferred Capital Limited Aa3 LaSalle Bank Corporation A1 BBVA Priv. Int'l (Gibraltar) Ltd Aa3 LaSalle National Corporation A1 BNP Paribas Aa3 MBNA Capital A Aa3 BANCWEST CAPITAL I A3 MBNA Capital B Aa3 BNP Paribas Capital Trust I Aa3 MBNA Capital C (P)Aa3 BNP PARIBAS Capital Trust III Aa3 MBNA Capital D Aa3 BNP Paribas Capital Trust IV Aa3 MBNA Capital E Aa3 BNP Paribas Capital Trust VI Aa3 MBNA Capital F (P)Aa3 Cofinoga Funding One L.P. A2 MBNA Capital G (P)Aa3 Cofinoga Funding Two L.P. A2 MBNA Corporation (P)A1 First Hawaiian Capital I A3 NB Capital Trust I Aa3 Caisse Fed Cred Mt Cntr Est Euro — NB Capital Trust II Aa3 Banque Fed. du Credit Mutuel A2 NB Capital Trust III Aa3 Caixa Catalunya — NB Capital Trust IV Aa3 Caixa Catalunya Prf. Issnce. Ltd Baa1 NB Capital Trust V (P)Aa3 Caixa Galicia — Shawmut National Corporation A1 Caixa Galicia Preferentes, S.A. Baa1 Summit Bancorp A1 Caixa Geral de Depositos, S.A. — Bank of Hawaii Corporation — Caixa Geral Finance Limited Aa3 Bancorp Hawaii Capital Tr. I A2 Caja Ahorros Monte Piedad Madrid — Bank of India Baa3 Caja Madrid Finance Preferred A2 Bank of India, Jersey Branch Baa3 Caja Ahorros Valencia, Bancaja — Bank of Ireland A1 Bancaja Capital, SA Unipersonal Baa1 Bank of Ireland UK Holdings Plc A1 Caja Cantabria Baa1 BOI Capital Funding I, LP A1 Cantabria Preferentes, S.A. Baa1 BOI Capital Funding II, LP A1 Caja Duero — BOI Capital Funding III, LP A1 Caja Duero Capital, S.A. Baa1 BOI Capital Funding IV, LP A1 Caja Espana de Inversiones — Bank of Montreal Aa3 Caja Esp.de Inv.Soc.de Part.Pref Baa2 Bank of New York Mellon Corp. A1 Canadian Imperial Bank Commerce A1 BNY Capital I (P)Aa3 Capital One Financial Corp. (P)Baa2 BNY Capital III (P)Aa3 North Fork Capital Trust II Baa1 BNY Capital IV Aa3 Citigroup Inc. A2 BNY Capital V Aa3 Citicorp A2 BNY Capital VI (P)Aa3 Citicorp Capital I (P)A1 BNY Capital VII (P)Aa3 Citigroup Capital I A1 BNY Capital VIII (P)Aa3 Citigroup Capital XIII (P)A1 BNY Capital IX (P)Aa3 Citigroup Capital XIV A1 BNY Capital X (P)Aa3 Citigroup Capital XV A1 BNY Institut'nl Cap. Trust A Aa3 Citigroup Capital XVI A1 Mellon Capital III Aa3 Citigroup Capital XVII A1 Mellon Capital IV Aa3 Citigroup Capital XVIII A1 Mellon Capital V (P)Aa3 Citigroup Capital XIX A1 Bank of Nova Scotia Aa3 Citigroup Capital XX A1 Scotiabank Capital Trust Aa3 Citigroup Capital XXI A1

Moody’s Investors Service • 109 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock Citizens Republic Bancorp, Inc. — Deutsche Bank Con Cap Tr III Aa3 Citizens Funding Trust I Baa1 Deutsche Bank Con Cap Trust V Aa3 Colonial BancGroup, Inc. (The) — Deutsche Bk Cap. Fndg. Tr. VIII Aa3 CBG Florida REIT Corp. Ba1 Deutsche Post AG — Colonial Capital Trust IV Baa3 Deutsche Postbank Fund Trt IV A1 Comerica Incorporated Baa1 Deutsche Postbank Fund. Trust I A1 Comerica Capital Trust I (P)A3 Deutsche Postbank Fund. Trust II A1 Comerica Capital Trust II A3 Deutsche Postbank Fund.Trust III A1 Commerce Asset-Hldg Berhad — Dexia Group (The) — CIMB Bank Berhad Baa3 Dexia Banque Int'l a Luxembourg A2 SBB Capital Corporation Baa3 Dexia Credit Local A2 Commerzbank AG — Dexia Funding Luxembourg S.A. A2 Commerzbank Cap. Fund Trst III A2 DLR Kredit A/S A3 Commerzbank Cap. Fund. Trust II A2 DNB NOR Bank ASA Aa3 Commerzbank Cap. Funding Trust I A2 Den norske Bank ASA Aa3 Commonwealth Bank of Australia Aa3 Dynegy Inc. — ASB Capital Limited A1 NGC Corp Capital Trust I B3 CBA Capital Trust I Aa3 DZ BANK AG Deutsche Zentral-Gen. — CBA Capital Trust II Aa3 DZ BANK Capital Fund. Trust III A2 PERLS II Trust Aa3 DZ BANK Capital Funding Trust I A2 Preferred Capital Limited Aa3 DZ BANK Capital Funding Trust II A2 Credit Logement A1 EBS Building Society — Credit Suisse Group — EBS Capital No. 1 S.A. Baa1 Credit Suisse Aa3 EFG Eurobank Ergasisa S.A. — Credit Suisse (Guernsey Branch) Aa3 EFG Hellas Funding Limited A2 Credit Suisse Gr Cap (DE) LLC II (P)A1 Eksportfinans ASA Aa2 Credit Suisse Gr Cap (DE) LLCIII (P)A1 Erste Group Bank AG — Credit Suisse Gr Cap (DE) Tr III (P)A1 Erste Finance (Jersey) (2) Ltd A2 Credit Suisse Group Cap X Ltd. (P)A1 Erste Finance (Jersey) (4) Ltd A2 Credit Suisse Group Capital I Aa3 Erste Finance (Jersey) (5) Ltd A2 Credit Suisse Group Capital VII A1 Erste Finance (Jersey) (6) Ltd A2 Credit Suisse Grp Cap (DE) LLCI (P)A1 Espirito Santo Financial Group — Credit Suisse Grp Cap (DE) Tr I (P)A1 BES Finance Ltd. A2 Credit Suisse Grp Cap (DE) Tr II (P)A1 ESFG International Limited A3 Credit Suisse Grp Cap VIII Ltd. (P)A1 ESFG Overseas Limited A3 Credit Suisse Grp Cap IX Ltd. (P)A1 Eurohypo AG — Credit Suisse Grp. Capital II A1 Eurohypo Cap. Funding Trust II A3 Credit Suisse Grp. Capital III A1 Eurohypo Capital Funding Tst I A3 Credit Suisse Grp. Capital IV A1 Extecapital Ltd. Aa3 CS Group Capital (Guernsey)V Ltd A1 Fifth Third Bancorp A3 CSFB Capital (Guernsey) I Ltd. Aa3 CNB Capital Trust I A2 Cullen/Frost Bankers, Inc. — Fifth Third Capital Trust II (P)A2 Cullen/Frost Capital Trust II A2 Fifth Third Capital Trust IV A2 Danske Bank A/S — Fifth Third Capital Trust V A2 Sampo Bank plc Aa3 Fifth Third Capital Trust VI A2 DBS Bank Ltd. Aa3 Fifth Third Capital Trust VII A2 DBS Capital Funding Corporation Aa3 Financiere SYZ & Co. S.A. — DBS Capital Funding II Corp Aa3 Banque SYZ & Co. S.A. Baa2 Deutsche Apotheker-und Aerztebk. — First Citizens BancShares, Inc. — Capital Issuing GmBH Baa1 FCB/NC Capital Trust I A3 Deutsche Bank AG — FCB/NC Capital Trust II A3 BT Preferred Capital Trust I A2 First Horizon National Corp. — BT Preferred Capital Trust III (P)A2 First Tenn. R.E. Sec. Co., Inc. Baa2 BT Preferred Capital Trust IV (P)A2 First Tennessee Bank, N.A. Baa2 Deutsche Bank Cap Fnd Trust X Aa3 First Tennessee Capital I Baa2 Deutsche Bank Cap.Fund.Trust IV Aa3 First Tennessee Capital II Baa2 Deutsche Bank Cap.Fund.Trust VI Aa3 First Tennessee Capital III (P)Baa2 Deutsche Bank Cap.Fund.Trust VII Aa3 First Tennessee Capital IV (P)Baa2 Deutsche Bank Capital Funding Aa3 First Midwest Bancorp, Inc. (P)Baa2 Deutsche Bank Capital Trust III Aa3 First Midwest Capital Trust I Baa1 Deutsche Bank Capital Trust V Aa3 FORTIS (Group) — Deutsche Bank Trust Corporation A3 Fortis Bank S.A./N.V. A3 Deutsche Bank Cap. Fndg. Tr. IX Aa3 Fortis Capital Company Limited A3 Deutsche Bank Capital Trust II Aa3 Fortis Hybrid Financing Ba1

Moody’s Investors Service • 110 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock Friesland Bank N.V. Baa1 JPMorgan Chase & Co. A1 Fulton Financial Corporation (P)Baa1 BANK ONE Capital III Aa3 Fulton Capital Trust I A3 BANK ONE Capital V (P)Aa3 Fulton Capital Trust II (P)A3 BANK ONE Capital VI Aa3 Fulton Capital Trust III (P)A3 BANK ONE Capital VII (P)Aa3 Fulton Capital Trust IV (P)A3 BANK ONE Capital VIII (P)Aa3 Glitnir banki hf C BANK ONE Capital IX (P)Aa3 Groupe Caisse D'Epargne — BANK ONE Capital X (P)Aa3 CNCE A2 BANK ONE CORPORATION A1 Groupe Credit Agricole — Chase Capital II Aa3 CL Capital Trust I Aa3 Chase Capital III Aa3 Credit Agricole S.A. Aa3 Chase Capital VI Aa3 Credit Lyonnais Capital S.C.A. Aa3 Chase Capital IX (P)Aa3 Indosuez Holdings S.C.A. Aa3 Chase Manhattan Corporation (OLD) A1 HBOS CAPITAL FUNDING NO. 3 L.P. A1 First Chicago NBD Capital I Aa3 HBOS plc A1 First Chicago NBD Corporation A1 Bank of Scotland Capital Funding Aa3 First Commerce Corp. A1 Bank of Scotland plc Aa3 J.P. Morgan & Co. Incorporated A1 HBOS Capital Funding No. 1 L.P. A1 J.P. Morgan Chase Capital X Aa3 HBOS Capital Funding No. 4 L.P. A1 J.P. Morgan Chase Capital XI Aa3 HBOS Group Euro Finance L.P. A1 J.P. Morgan Chase Capital XII Aa3 HBOS Group Sterling Fin. LP A1 J.P. Morgan Chase Capital XIII Aa3 HSBC Holdings plc A1 J.P. Morgan Chase Capital XIV Aa3 HSBC Americas Capital Trust I A1 J.P. Morgan Chase Capital XV Aa3 HSBC Bank Cap.Fund.(Sterling 2) Aa3 J.P. Morgan Chase Capital XVI Aa3 HSBC Bank plc Aa3 J.P. Morgan Chase Capital XVII Aa3 HSBC Bk Cap Fund (Sterling1)LP A1 J.P. Morgan Chase Capital XVIII Aa3 HSBC Capital Fund. (Euro 3) LP A1 J.P. Morgan Chase Capital XIX Aa3 HSBC Capital Fund. (Sterling1) A1 J.P. Morgan Chase Capital XX Aa3 HSBC Capital Funding (Dollar1)LP A1 J.P. Morgan Chase Capital XXI (P)Aa3 HSBC Capital Funding (Dollar2)LP A1 J.P. Morgan Chase Capital XXII Aa3 HSBC Capital Funding (Euro 1) LP A1 J.P. Morgan Chase Capital XXIII Aa3 HSBC CAPITAL FUNDING (EURO 2) A1 J.P. Morgan Chase Capital XXIV Aa3 HSBC USA Capital Trust V (P)A1 JP Morgan Index Funding Co. I Aa3 HSBC USA Capital Trust VI (P)A1 JP Morgan Indx. Fndg. Co. LLC Aa3 HSBC USA Inc. A2 JPM Capital Trust I (P)Aa3 Republic New York Capital I A1 JPM Capital Trust III (P)Aa3 Republic New York Corporation A2 JPM Capital Trust IV (P)Aa3 HSH Nordbank AG — JPMorgan Chase Capital XXV Aa3 HSH N Funding I A1 JPMorgan Chase Capital XXVI (P)A1 RESPARCS Fund.II Ltd Partnership A1 JPMorgan Chase Capital XXVII (P)A1 Huntington Bancshares Inc. Baa2 JPMorgan Chase Capital XXVIII (P)A1 Huntington Bancshs Cap Trt I Baa1 JPMorgan Chase Capital XXIX (P)A1 Huntington Capital II Baa1 JPMorgan Chase Capital XXX (P)A1 Huntington Capital III Baa1 JPMorgan Chase Capital XXXI (P)A1 Huntington Capital IV (P)Baa1 JPMorgan Chase Capital XXXII (P)A1 Huntington Capital V (P)Baa1 Julius Baer Holding AG A3 Huntington Capital VI (P)Baa1 Kaupthing Bank hf C Huntington Pfd. Capital, Inc. Baa1 KBC Group NV — Sky Financial Capital Trust I Baa1 KBC Bank Funding Trust II A1 Hypo Real Estate Holding AG — KBC Bank Funding Trust III A1 Depfa Funding III LP Ba3 KBC Bank Funding Trust IV A1 DEPFA FUNDING IV LP Ba3 KeyCorp Baa1 Ibercaja A3 KeyCorp (Old) Baa1 ICICI Bank Limited — KeyCorp Capital I A3 ICICI Bank, Bahrain Branch Baa2 KeyCorp Capital II A3 IKB Deutsche Industriebank AG — KeyCorp Capital III A3 Capital Raising GMBH Caa3 KeyCorp Capital V A3 IKB Funding Trust I Caa3 KeyCorp Capital VI A3 IKB Funding Trust II Caa3 KeyCorp Capital VII A3 Intesa Sanpaolo Spa A1 KeyCorp Capital VIII A3 Sanpaolo IMI Capital Trust I A1 Keycorp Capital IX A3 Investec Holdings Ltd — KeyCorp Capital X A3 Investec Tier 1 (UK) LP Ba1 KeyCorp Institutional Capital C A3

Moody’s Investors Service • 111 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock Krung Thai Bank — National City Pfd Capital Tr III (P)Baa2 Krung Thai Bank, Singapore Br. Baa3 National City Preferred Cap Tr I Baa2 La Caixa — PFGI Capital Corporation Baa2 Caixa Preference Limited Aa3 Provident Capital Trust I Baa1 Landesbk Hessen-Thueringen GZ — Provident Capital Trust III (P)Baa1 Main Capital Fund. Ltd Part. A1 Nationwide Building Society A1 Main Capital Fund. II Ltd Part. A1 Natixis A2 Landsbanki Islands hf C NBP Capital Trust I A2 Lloyds TSB Group plc Aa3 NBP Capital Trust III A2 Lloyds TSB Bank Plc Aa2 NBP Preferred Capital I, L.L.C. A2 Lloyds TSB Capital 1 L.P. Aa2 NBP Preferred Capital III, LLC A2 Lloyds TSB Capital 2 L.P. Aa2 New York Community Bancorp, Inc — M&T Bank Corporation (P)Baa1 Haven Capital Trust II Baa1 Allfirst Preferred Asset Trust A3 NIBC Bank N.V. Baa3 Allfirst Preferred Capital Tr A3 Nordea Bank AB Aa3 First Maryland Capital I A3 Nordea Bank Sweden AB (publ) Aa3 First Maryland Capital II A3 Northern Rock plc B3 M&T Capital Trust I A3 Northern Trust Corporation (P)A3 M&T Capital Trust II A3 NTC Capital I A2 M&T Capital Trust III A3 NTC Capital II A2 M&T Capital Trust IV A3 NTC Capital III (P)A2 M&T Capital Trust V (P)A3 Oesterreichische Volksbanken AG A3 M&T Capital Trust VI (P)A3 Investkredit Funding Ltd A3 Macquarie Group Limited — Investkredit Funding II Limited A3 Macquarie Capital Funding L.P. A3 Kommunalkredit Capital I Ltd A2 Macquarie CPS Trust Baa1 OEVAG Finance (Jersey) Limited A2 Macquarie Finance Limited A3 Old National Bancorp (P)Baa1 Marshall & Ilsley Corporation — ONB Capital Trust II A3 M&I Capital Trust C (P)A2 ONB Capital Trust III (P)A3 M&I Capital Trust D (P)A2 ONB Capital Trust IV (P)A3 M&I Captial Trust E (P)A2 ONB Capital Trust V (P)A3 M&I LLC (P)A3 ONB Capital Trust VI (P)A3 M&I Marshall & Ilsley Inv.II Co. A2 OP-Pohjola Group — Mellon Financial Corporation A1 Pohjola Bank plc Aa3 Metropolitan Bank & Trust Co. Ba3 Oversea-Chinese Banking Corp Ltd Aa3 Mitsubishi UFJ Finan. Grp, Inc. — OCBC Capital Corporation Aa3 MUFG Capital Finance 1 Limited A2 OCBC Capital Corporation (2008) Aa3 MUFG Capital Finance 2 Limited A2 Piraeus Bank S.A. — MUFG Capital Finance 3 Limited A2 Piraeus Group Capital Limited A3 MUFG Capital Finance 4 Limited A2 PNC Financial Services Grp., Inc A3 MUFG Capital Finance 5 Limited A2 PNC Capital Trust C A2 MUFG Capital Finance 6 Limited A2 PNC Capital Trust D A2 MUFG Capital Finance 7 Limited A2 PNC Capital Trust E A2 Union Bank of California, N.A. A2 PNC Capital Trust F (P)A2 Mizuho Financial Group, Inc. — PNC Capital Trust G (P)A2 Mizuho Capital Inv. (EUR) 1 Ltd. A2 PNC Capital Trust H (P)A2 Mizuho Capital Inv. (USD) 1 Ltd. A2 PNC Inst. Cap. Trust A A2 National Australia Bank Ltd. Aa3 PNC Preferred Funding Trust I A2 National Australia Bk, NY Br. Aa3 PNC Preferred Funding Trust II A3 National Cap Ins [Euro] LLC2 Aa3 PNC Preferred Funding Trust III A3 National Capital Trust I Aa3 Popular, Inc. Baa2 National Capital Trust II Aa3 BanPonce Trust I Baa1 National Capital Trust III Aa3 Popular Capital Trust I Baa1 National Bank of Canada A1 Popular Capital Trust II Baa1 NBC Asset Trust A1 Popular Capital Trust III (P)Baa1 NBC Capital Trust A1 Popular Capital Trust IV (P)Baa1 National Bank of Greece S.A. A2 Popular Int'l. Bank, Inc. (P)Baa2 National Bank of Greece Funding A2 Popular North America Cap Tr I Baa1 National City Corporation Baa2 Popular North America Cap Tr III (P)Baa1 National City Capital Trust I Baa1 Popular North America Cap Tr IV (P)Baa1 National City Capital Trust II Baa1 Popular North America, Inc. (P)Baa2 National City Capital Trust III Baa1 Public Bank Berhad A3 National City Capital Trust IV Baa1 Rabobank Nederland Aa2 National City Pfd Capital Tr II (P)Baa2 Rabobank Cap Funding Trust II Aa2

Moody’s Investors Service • 112 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock Rabobank Capital Funding Tr IV Aa2 Sumitomo Trust And Banking Co. — Rabobank Capital Funding Tr V Aa2 STB Preferred Cap 4(Cayman)Ltd A2 Rabobank Capital Funding Tr VI Aa2 Suncorp-Metway Ltd. A2 Rabobank Capital Funding Trt III Aa2 SunTrust Banks, Inc. A3 Raiffeisen Zentralbank Oest. — Crestar Capital Trust I A2 RZB Finance (Jersey) II Ltd A1 National Commerce Cap Trt I A2 RZB Finance (Jersey) III Limited A1 National Commerce Cap. Tr. II A2 RZB Finance (Jersey) IV Limited A1 National Commerce Financial Corp (P)A3 Regions Financial Corporation (P)Baa1 SunTrust Capital I A2 Regions Financing Trust II A3 SunTrust Capital III (P)A2 Regions Financing Trust III A3 SunTrust Capital V A2 Regions Financing Trust IV (P)A3 SunTrust Capital VI (P)A2 Union_Planters_Pfd Funding_Corp. A3 SunTrust Capital VIII A2 Regions Financing Trust V (P)A3 SunTrust Capital IX A2 Regions Financing Trust VI (P)A3 SunTrust Capital X (P)A2 Resona Holdings, Inc. — SunTrust Capital XI (P)A2 Resona Prf. Gbl Secs (Cayman) Baa1 SunTrust Capital XII (P)A2 Rizal Commercial Bank Corp. B1 SunTrust Capital XIII (P)A2 Royal Bank of Canada Aa2 SunTrust Capital XIV (P)A2 RBC Capital Trust Aa2 SunTrust Capital XV (P)A2 RBC Capital Trust II Aa2 SunTrust Preferred Capital I A3 RBC Centura Capital Trust I A2 SunTrust Real Estate Inv. Corp. A1 Royal Bank of Scotland Group plc A1 Susquehanna Capital I Baa2 National Westminster Bank PLC Aa3 SVB Financial Group — RBS Capital Trust B A1 SVB Capital II Baa1 RBS Capital Trust C A1 Svenska Handelsbanken AB Aa3 RBS Capital Trust D A1 Swedbank AB A2 RBS Capital Trust I A1 Swedish Export Credit Corp. Aa3 RBS Capital Trust II A1 Swedish Housing Finance Corp A3 RBS Capital Trust III A1 Sydbank A/S A2 RBS Capital Trust IV A1 TMB Bank Public Company Ltd — SEB A1 TMB Bank Public Co. Ltd (CI) B1 Shinhan Financial Group Co., Ltd — Toronto-Dominion Bank (The) Aa2 Shinhan Bank A3 Northgroup Preferred Capital A1 Shinsei Bank, Limited — U.S. Bancorp A1 Shinsei Finance (Cayman) Limited Baa3 USB Capital IV (P)Aa3 Shinsei Finance II (Cayman) Ltd. Baa3 USB Capital V (P)Aa3 SMFG Preferred Capital USD 2 Ltd A2 USB Capital VI Aa3 Societe Generale A1 USB Capital VII Aa3 SG Capital Trust I A1 USB Capital VIII Aa3 SG Capital Trust III A1 USB Capital IX A1 SG Preferred Capital II A1 USB Capital X Aa3 SG II Preferred Sec. Inv. Trust A1 USB Capital XI Aa3 SpareBank 1 Nord-Norge A2 USB Capital XII Aa3 SpareBank 1 SMN A2 USB Capital XIII (P)Aa3 SpareBank 1 SR-Bank A2 USB Capital XIV (P)Aa3 Sparebanken Vest A3 USB Capital XV (P)Aa3 St.George Bank Limited A1 USB Capital XVI (P)Aa3 Standard Chartered PLC Baa2 USB Realty Corp. A1 Standard Chartered Bank Baa1 UBS AG — Standard Chartered Cap Trust 1 Baa2 UBS Capital Sec (Jersey) LTD A1 State Bank of India — UBS Pref. Fund. (Jersey) Ltd. A1 State Bank of India, Nassau Br Baa2 UBS Preferred Fdng. Co LLC VII (P)A1 State Street Corporation (P)A2 UBS Preferred Fdng. Co LLC VIII (P)A1 State Street Capital Tr. III (P)A1 UBS Preferred Funding Co LLC VI (P)A1 State Street Capital Trust I A1 UBS Preferred Funding Co LLC IX (P)A1 State Street Capital Trust II (P)A1 UBS Preferred Funding Co. LLC V (P)A1 State Street Capital Trust IV A1 UBS Preferred Funding Trust I A1 Sumitomo Mitsui Fin.Group, Inc — UBS Preferred Funding Trust II A1 SMFG Preferred Capital GBP 1 Ltd A2 UBS Preferred Funding Trust IV A1 SMFG Preferred Capital GBP 2 Ltd A2 UBS Preferred Funding Trust V A1 SMFG Preferred Capital JPY 1 Ltd A2 UBS Preferred Funding Trust VI (P)A1 SMFG Preferred Capital USD 1 Ltd A2 UBS Preferred Funding Trust VII (P)A1 SMFG Preferred Capital USD 3 Ltd A2 UBS Preferred Funding Trust VIII (P)A1

Moody’s Investors Service • 113 • Bank Preferred Stock Ratings November 17, 2008 Preferred Preferred Stock Stock UBS Preferred Funding Trust IX (P)A1 Providian Capital I C UniCredit SpA — Webster Financial Corporation (P)Baa2 BA-CA Finance (Cayman Island) A1 Webster Capital Trust IV Baa1 BA-CA Finance (Cayman Island) 2 A1 Webster Capital Trust V (P)Baa1 HVB Banque Luxembourg S.A. Baa2 Webster Capital Trust VI (P)Baa1 HVB Funding Trust A3 Wells Fargo & Company Aa3 HVB Funding Trust II A3 First Security Capital I Aa2 HVB Funding Trust III A3 Wells Fargo Capital C Aa2 HVB Funding Trust V A3 Wells Fargo Capital I Aa2 HVB Funding Trust VII A3 Wells Fargo Capital II Aa2 HVB Funding Trust VIII A3 Wells Fargo Capital III (P)Aa2 Perent Funding Limited A3 Wells Fargo Capital IV Aa2 UniCredit Int'l Bank (Lux) S.A. A2 Wells Fargo Capital V (P)Aa2 UniCredito Ital. Cap. Trust III A2 Wells Fargo Capital VI (P)Aa2 Unicredito Italiano Cap. Trt I A2 Wells Fargo Capital VII Aa2 Unicredito Italiano Cap. Trt II A2 Wells Fargo Capital VIII Aa2 UniCredito Italiano Cap.Trust IV A2 Wells Fargo Capital IX Aa2 Unione di Banche Italiane ScpA — Wells Fargo Capital X Aa2 Banca Lombarda Pfd Sec Trust A3 Wells Fargo Capital XI Aa3 Banca Pop.Di Bergamo Capital Trs A3 Wells Fargo Capital XII Aa2 United Overseas Bank Limited Aa3 Wells Fargo Capital XIII Aa2 UOB Cayman I Limited Aa3 Wells Fargo Capital XIV Aa2 Wachovia Capital Trust XI (P)A3 WFC Holdings Corporation Aa3 Wachovia Capital Trust XII (P)A3 WestLB AG — Wachovia Capital Trust XIII (P)A3 Hybrid Capital Fund I Ltd Part. Caa1 Wachovia Capital Trust XIV (P)A2 Hybrid Capital Funding II LP Caa1 Wachovia Capital Trust XV (P)A3 Westpac Banking Corporation Aa3 Wachovia Corporation A3 Westpac Capital Trust I (P)Aa3 Central Fidelity Cap. Trust I A2 Westpac Capital Trust II Aa3 CoreStates Capital I A2 Westpac Capital Trust III Aa3 CoreStates Capital II A2 WestPac Capital Trust IV Aa3 CoreStates Capital III A2 Westpac First Trust Aa3 First Fidelity Bancorporation A3 Westpac TPS Trust Aa3 First Union Capital I A2 Woori Bank A3 First Union Capital II A2 Zions Bancorporation Baa2 First Union Capital III (P)A2 Zions Capital Trust B Baa1 First Union Instit. Capital I A2 Zions Capital Trust C (P)Baa1 Wachovia Capital Trust I A2 Zions Capital Trust D (P)Baa1 Wachovia Capital Trust II A2 Zions Inst. Capital Trust A Baa1 Wachovia Capital Trust III A3 Wachovia Capital Trust IV A2 Wachovia Capital Trust V A2 Wachovia Capital Trust VII (P)A2 Wachovia Capital Trust VIII (P)A2 Wachovia Capital Trust IX A2 Wachovia Capital Trust X A2 Washington Mutual, Inc. C

Moody’s Investors Service • 114 • Securities Industry Ratings November 17, 2008

[1] Long-term Debt Issuer Commercial Preferred Outlook Senior Subord. Rating Paper Stock Ahorro Corporacion Financiera STA — — A2 — — Asigna, Compens. y Liquid STA — — NR — — Banc of America Securities LLC STA — — — P-1 — Bear Stearns Companies LLC. NEG Aa2 Aa3 — P-1 A1 Bear Stearns Bank plc NEG Aa2 — Aa2 P-1 — Bear Stearns Capital Tr. III NEG — — — — Aa3 Bear Stearns Capital Tr. IV NEG — — — — (P)Aa3 Bear Stearns Capital Trust I NEG — — — — Aa3 Bear Stearns Capital Trust V NEG — — — — (P)Aa3 Bear Stearns Global Asset Holdng NEG Aa2 — — — — Bear, Stearns Securities Corp. NEG — — — — — BS Carib Asset Holdings, Ltd. STA Aa2 — — — — Charles Schwab Corp. (The) STA A2 A3 — P-1 (P)Baa1 Schwab Capital Trust I STA A3 — — — — Citigroup Global Mkts Hldgs.Inc. RUR Aa3 A1 Aa3 — A2 CGMH Capital II RUR — — — — (P)A1 CGMH Capital III RUR — — — — (P)A1 CGMH Capital IV RUR — — — — (P)A1 SI Financing Trust I RUR — — — — A1 Smith Barney Holdings Inc. RUR Aa3 — — — — Citigroup Global Markets Inc. NEG — — — P-1 — CME Group Inc. STA Aa3 (P)A1 Aa3 P-1 (P)A2 ConvergEx Holdings LLC STA B2 — — — — Credit Suisse Holdings (USA) Inc STA — — — — — Credit Suisse (USA) Inc. STA Aa1 (P)Aa2 — P-1 Aa3 Daiwa Securities Group Inc. STA Baa1 (P)Baa2 — — — Daiwa Securities Co. Ltd. STA — — Baa1 P-2 — Daiwa Securities SMBC Co. Ltd. STA A1 — A1 — — Deutsche Bank Securities Inc STA Aa3 A1 — P-1 — E*TRADE Financial Corp. NEG B2 B3 B2 — (P)Caa1 Fubon Securities Co., Ltd. STA — — Baa3 — — Goldman Sachs Group, Inc. (The) NEG Aa3 A1 Aa3 P-1 A2 Goldman Sachs & Co. NEG — — — P-1 — Asset Funding Company IV Ltd NEG — — — — — Goldman Sachs Canada Finance Co. STA — — — P-1 — Goldman Sachs Capital I NEG — — — — A1 Goldman Sachs Capital II NEG — — — — A2 Goldman Sachs Capital III NEG — — — — A2 Goldman Sachs Capital IV NEG — — — — (P)A1 Goldman Sachs Capital V NEG — — — — (P)A1 Goldman Sachs Capital VI NEG — — — — (P)A1 Goldman Sachs Finc'l Prod I Ltd NEG Aa3 — — — — Goldman Sachs Japan Co., Ltd. STA — — — P-1 — Goldman Sachs Over. Fin., L.P. NEG Aa3 — — — — GS Finance Corp. NEG Aa3 — — — — GS Paris Inc., et Cie NEG — — Aa3 — — Heraeus Holding GmbH STA — — Baa1 — — Jefferies Group, Inc. NEG Baa1 (P)Baa2 Baa1 — Baa3 LaBranche & Co Inc. STA B2 — — — — Lazard Group Finance LLC STA Ba1 — — — — Lazard Ltd. —————— Lazard Group LLC POS Ba1 — — — — Lehman Brothers Holdings Inc. RURB3Caa2B3NPCa LBH Capital Trust I RUR — — — — (P)Caa2 LBH Capital Trust II RUR — — — — (P)Caa2 LBH Capital Trust III RUR — — — — Caa2 LBH Capital Trust IV RUR — — — — Caa2 LBH Capital Trust V RUR — — — — Caa2 LBH Capital Trust VI RUR — — — — Caa2 LBH Capital Trust VII RUR — — — — Ca LBH Capital Trust VIII RUR — — — — Ca LBH Capital Trust IX RUR — — — — (P)Caa2 LBH Capital Trust X RUR — — — — (P)Caa2 [1] The long-term ratings listed reflect the ratings on specific rated debt issues.

Moody’s Investors Service • 115 • Securities Industry Ratings November 17, 2008 [1] Long-term Debt Issuer Commercial Preferred Outlook Senior Subord. Rating Paper Stock LBH Capital Trust XI RUR — — — — (P)Caa2 LBH Capital Trust XII RUR — — — — (P)Caa2 Lehman Bro. Hldgs Inc (London) RUR B3 Caa2 — — — Lehman Bros Hldgs E-Cap. Tr. I RUR — — — — Ca Lehman Bros. Special Fin. Inc. RUR — — B3 — — Lehman Brothers Holdings Plc RUR B3 Caa2 — NP — Lehman Brothers Treasury B.V. RUR B3 — — NP — Lehman Brothers Inc. RUR (P)B1 B3 B1 NP — Lehman Brothers International (E RUR — — B3 — — Lehman Brothers OTC Derivatives RUR — — B3 — — Lehman Brothers UK Cap. Fnd. V RUR — — — — Ca Lehman Brothers UK Cap. Funding RUR — — — — Ca Lehman Brothers UK Cap. Fung IV RUR — — — — Ca Lehman Brothers UK Cap.Fund. II RUR — — — — Ca Lehman Brothers UK Cap. Fnd. III STA — — — — Ca London Stock Exchange Group plc POS Baa2 — Baa3 — — London Stock Exchange plc POS — — Baa1 — — LPL Holdings II —————— LPL Holdings, Inc. STA Ba3 B2 — — — Merrill Lynch & Co., Inc. RUR A2 A3 A2 P-1 Baa1 Merrill Lynch & Co., Canada RUR A2 A3 — P-1 — Merrill Lynch Canada Finance Co. RUR A2 A3 — P-1 — Merrill Lynch Capital Trust I RUR — — — — A3 Merrill Lynch Capital Trust II RUR — — — — A3 Merrill Lynch Capital Trust III RUR — — — — A3 Merrill Lynch Finance(Australia) RUR A2 — — P-1 — Merrill Lynch Japan Finance Co. RUR A2 — — P-1 — Merrill Lynch Pfd. Cap. Tr. III RUR — — — — A3 Merrill Lynch Pfd. Cap. Tr. IV RUR — — — — A3 Merrill Lynch Pfd. Cap. Tr. V RUR — — — — A3 Merrill Lynch Pfd. Cap. Tr. VI RUR — — — — (P)A3 Merrill Lynch Pfd. Fd. III, L.P RUR — — — — A3 Merrill Lynch Pfd. Fd. IV, L.P. RUR — — — — A3 Merrill Lynch Pfd. Fd. V, L.P. RUR — — — — A3 Merrill Lynch Pfd. Fd. VI, L.P. RUR — — — — (P)A3 Merrill Lynch Pfd. Funding I, LP RUR — — — — A3 Merrill Lynch Pfd. Funding II RUR — — — — A3 Merrill Lynch S.A. RUR A2 — — — — MF Global Ltd. NEG Baa1 — Baa1 — Baa3 Mitsubishi UFJ Secs Co., Ltd. NEG — — Aa2 — — Mizuho Securities Co., Ltd. NEG Aa2 — — — — Morgan Stanley RUR A1 A2 A1 P-1 A3 Morgan Stanley & Co. Int. plc RUR A1 — A1 — — Morgan Stanley (Jersey) Limited RUR A1 — A1 — — Morgan Stanley Australia Fin Ltd RUR A1 A2 — P-1 — Morgan Stanley Capital Tr VIII RUR — — — — A2 Morgan Stanley Capital Tr IX RUR — — — — (P)A2 Morgan Stanley Capital Tr X RUR — — — — (P)A2 Morgan Stanley Group Inc. RUR A1 A2 — — A3 Morgan Stanley Finance plc RUR (P)A1 A2 — — — Morgan Stanley Group (Europe) STA — — — P-1 — Morgan Stanley Intl Fin SA STA — — — P-1 — Morgan Stanley Japan Sec Co Ltd STA — — — P-1 — MS Capital Trust II RUR — — — — (P)A2 MS Capital Trust III RUR — — — — A2 MS Capital Trust IV RUR — — — — A2 MS Capital Trust V RUR — — — — A2 MS Capital Trust VI RUR — — — — A2 MS Capital Trust VII RUR — — — — A2 NASDAQ OMX Group, Inc. (The) POS Ba1 — — — — Nikko Citi Holdings Inc. RUR — — A1 — — Nikko Citigroup Limited RUR A1 A2 A1 P-1 — Nikko Cordial Securities Inc. RUR — — A1 P-1 — [1] The long-term ratings listed reflect the ratings on specific rated debt issues.

Moody’s Investors Service • 116 • Securities Industry Ratings November 17, 2008 [1] Long-term Debt Issuer Commercial Preferred Outlook Senior Subord. Rating Paper Stock Nomura Holdings, Inc. NEG — — A3 — — Nomura Global Funding plc NEG A2 — — — — Nomura International plc NEG — — — P-2 — Nomura Securities Co., Ltd. NEG A2 — — P-1 — NYSE Euronext STA A1 (P)A2 A1 P-1 (P)A3 Oppenheimer Holdings, Inc. RUR B1 — — — — Scottrade Financial Srv, Inc. STA — — Baa3 — — Shuaa Capital psc STA — — Baa2 — — SRE Group Limited NEG B1 — — — — UBS Americas, Inc. STA Aa2 Aa3 Aa2 P-1 — [1] The long-term ratings listed reflect the ratings on specific rated debt issues.

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* Multiple Managers Moody’s Investors Service • 118 •