Credit Ratings

Ratings Scale

S&P Moody's Fitch Ratings
Long-term Issuer BBB (OS) Baa2 (OS) BBB (OS)

7/9/2014 7/15/2015 10/8/2015
Preferred Stock BB+ Baa3 BB+

9/8/2011 7/15/2015 10/8/2015

Ratings Watch Action Legend: (WP) Watch Positive, (WN) Watch Negative, (WU) Watch Uncertain, (WR) Watch Removed, (OP) Outlook Positive, (ON) Outlook Negative, (OS) Outlook Stable, (OD) Outlook Developing

These credit ratings may not reflect the potential impact of risks relating to the structure or trading of the Company’s securities and are provided solely for informational purposes. Credit ratings are not recommendations to buy, sell or hold any security, and may be revised or withdrawn at any time by the issuing organization in its sole discretion. The Company does not undertake any obligation to maintain the ratings or to advise of any change in ratings. Each agency’s rating should be evaluated independently of any other agency’s rating. An explanation of the significance of the ratings may be obtained from each of the rating agencies.

Contact IR

John Stewart
Senior Vice President, Investor Relations
(415) 848-9311

Maria S. Lukens
Vice President, Investor Relations
(415) 508-2807

Nina Bari
Analyst, Investor Relations
(415) 848-9415

American Stock Transfer & Trust
Company, LLC
6201 15th Avenue
Brooklyn, NY 11219
(800) 937-5449

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