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Rating Modifiers

Affiliation Codes

u - Under Review s - Syndicate pd - Public Data

g - Group p - Pooled r - Reinsured

Best's Rating Center - Guide to Financial Strength Ratings

assigned ratings are based on group, pooling or reinsurance affiliation with other insurers.

Docket No. UT-083041 Exhibit RA-4RT November 17, 2008 Page 2

Rating Outlook

Best's interactive Ratings (A++ to D) are assigned a Rating Outlook that indicates the potential direction of a company's rating for an intermediate period, generally defined as the next 12 to 36 months. Rating Outlooks, which appear in the rating rationale section of a company's AMB Credit Reports - Insurance Professional, include Positive, Negative and

Stable. View our online Guide to Best's Financial Strength Ratings for complete definitions on Outlooks.

Financial Size Categories (FSC)

To enhance the usefulness of our ratings, A.M. Best assigns each letter rated (A++ through D) insurance company a Financial Size Category (FSC). The FSC is designed to provide a convenient indicator of the size of a company in terms of its statutory surplus and related accounts.

Many insurance buyers only want to consider buying insurance coverage from companies that they believe have sufficient financial capacity to provide the necessary policy limits to insure their risks. Although companies utilize reinsurance to reduce their net retention on the policy limits they underwrite, many buyers still feel more comfortable buying from companies perceived to have greater financial capacity.

FS

C

Adjusted

Policyholders' Surplus

FSC

Adjusted Policyholders' Surplus

IX

250 to 500

X

500 to 750

XI

750 to 1,000

XII

1,000 to 1,250

XIII

1,250 to 1,500

XIV

1,500 to 2,000

XV

2,000 or greater

Usage of Best's Ratings

Best's Ratings are proprietary and may not be reproduced without permission from A.M. Best. Companies assigned a Best's Rating should review our 'Guide to Proper Use' which outlines the proper use of A.M. Best's proprietary information,

specifically Best's Ratings, AMB Credit Reports - Insurance Professional and Best's Security Icon.

I

Less than 1

II

1 to 2

III

2 to 5

IV

5 to 10

V

10 to 25

VI

25 to 50

VII

50 to 100

VIII

100 to 250

Note: Ranges are in millions of U.S. dollars

All queries regarding the use of proprietary information or to obtain a licensing agreement or a letter of consent should be directed to:

A.M. Best Company Office of Intellectual Property Ambest Road Oldwick, New Jersey 08858 Phone: 908-439-2200, extension 5644 or email james.peavy@ambest.com

View our Legal and Licensing information for details on the use of A.M. Best trademarks, logos and service marks.

Customer Service | Product Support | Member Center | Contact Info | Careers About A.M. Best | Site Map | Privacy Policy | Security | Terms of Use | Legal & Licensing

Copyright © 2008 A.M. Best Company, Inc. All rights reserved. A.M. Best Worldwide Headquarters, Ambest Road, Oldwick, New Jersey, 08858, U.S.A.

http://www.ambest.com/ratings/guide.asp (2 of 2) [11/10/2008 11:23:30 AM]

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