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Page 12 <br /> New York, NY 10041-0003 <br /> +"w. <br /> The rating is subject to the Terms and Conditions, if any, attached to the Engagement Letter <br /> applicable to the rating. In the absence of such Engagement Letter and Terms and Conditions, the <br /> rating is subject to the attached Terms and Conditions. The applicable Terms and Conditions are <br /> incorporated herein by reference. <br /> Ratings Services is pleased to have the opportunity to provide its rating opinion. For more <br /> information please visit our website at www.standardandpoors corn. If you have any questions, <br /> please contact us. Thank you for choosing Ratings Services. <br /> Sincerely yours, <br /> Standard & Poor's Ratings Services <br /> jm <br /> enclosure <br /> cc: Mr. Jason E. Brown <br /> Mr. Jeffrey K. Barton <br /> PF Ratings U.S. (7/18/14) p <br /> 18 <br />