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<TABLE style="PADDING-RIGHT: 2pt; PADDING-LEFT: 2pt; FONT-SIZE: 10pt; FONT-FAMILY: Arial,Arial; BACKGROUND-COLOR: #ffffff" cellSpacing=0 cellPadding=0 border=1><TBODY><TR style="FONT-WEIGHT: bold; FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center"><TD> </TD><TD>A</TD><TD>B</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">1</TD><TD>PCT</TD><TD>CREDIT</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">2</TD><TD> </TD><TD> </TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">3</TD><TD style="TEXT-ALIGN: right">0.72</TD><TD style="TEXT-ALIGN: right">0</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">4</TD><TD style="TEXT-ALIGN: right">0.9225</TD><TD style="TEXT-ALIGN: right">1</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">5</TD><TD style="TEXT-ALIGN: right">0.6875</TD><TD style="TEXT-ALIGN: right">0</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">6</TD><TD style="TEXT-ALIGN: right">0.77</TD><TD style="TEXT-ALIGN: right">0</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">7</TD><TD style="TEXT-ALIGN: right">0.7</TD><TD style="TEXT-ALIGN: right">0</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">8</TD><TD style="TEXT-ALIGN: right">0.7875</TD><TD style="TEXT-ALIGN: right">1</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">9</TD><TD style="TEXT-ALIGN: right">0.89</TD><TD style="TEXT-ALIGN: right">1</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">10</TD><TD style="TEXT-ALIGN: right">0.895</TD><TD style="TEXT-ALIGN: right">1</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">11</TD><TD style="TEXT-ALIGN: right">0.8225</TD><TD style="TEXT-ALIGN: right">1</TD></TR><TR style="HEIGHT: 17px"><TD style="FONT-SIZE: 8pt; BACKGROUND-COLOR: #cacaca; TEXT-ALIGN: center">12</TD><TD style="TEXT-ALIGN: right">0.9225</TD><TD style="TEXT-ALIGN: right">1</TD></TR></TBODY></TABLE>
<TABLE style="FONT-SIZE: 10pt; BORDER-LEFT-COLOR: #00ff00; BORDER-BOTTOM-COLOR: #00ff00; COLOR: #000000; BORDER-TOP-STYLE: groove; BORDER-TOP-COLOR: #00ff00; FONT-FAMILY: Arial; BORDER-RIGHT-STYLE: groove; BORDER-LEFT-STYLE: groove; BACKGROUND-COLOR: #fffcf9; BORDER-RIGHT-COLOR: #00ff00; BORDER-BOTTOM-STYLE: groove"><TBODY><TR><TD>Spreadsheet Formulas</TD></TR><TR><TD><TABLE style="FONT-SIZE: 9pt; FONT-FAMILY: Arial" cellSpacing=0 cellPadding=2 border=1><TBODY><TR style="FONT-SIZE: 10pt; BACKGROUND-COLOR: #cacaca"><TD>Cell</TD><TD>Formula</TD></TR><TR><TD>B3</TD><TD>=IF(A3>0.77,1,0)</TD></TR><TR><TD>B4</TD><TD>=IF(A4>0.77,1,0)</TD></TR><TR><TD>B5</TD><TD>=IF(A5>0.77,1,0)</TD></TR><TR><TD>B6</TD><TD>=IF(A6>0.77,1,0)</TD></TR><TR><TD>B7</TD><TD>=IF(A7>0.77,1,0)</TD></TR><TR><TD>B8</TD><TD>=IF(A8>0.77,1,0)</TD></TR><TR><TD>B9</TD><TD>=IF(A9>0.77,1,0)</TD></TR><TR><TD>B10</TD><TD>=IF(A10>0.77,1,0)</TD></TR><TR><TD>B11</TD><TD>=IF(A11>0.77,1,0)</TD></TR><TR><TD>B12</TD><TD>=IF(A12>0.77,1,0)</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>