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NEW STUDBOOK ENTRY ONLYRATINGS: S&P AAA (Insured)/: BBB (Underlying) Moods: AAA (Insured)/ Baa2 (Underlying) (See MISCELLANEOUSRatings herein.) In the opinion of Richards, Watson & Gershon. A Professional

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New issue -book-entry-only ratings are ratings that are only available through electronic book-entry systems and cannot be issued in physical form.

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The issuers of new securities are required to file new issue -book-entry-only ratings.

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New issue -book-entry-only ratings can be filled out electronically through the designated platforms provided by the rating agency.

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The purpose of new issue -book-entry-only ratings is to provide investors with accurate and timely information about the creditworthiness of new securities.

What information must be reported on new issue -book-entry-only ratings?

The information that must be reported on new issue -book-entry-only ratings includes the credit rating assigned to the new securities, as well as any relevant factors that may affect the creditworthiness of the securities.

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