Sky Financial Group, Inc.

Ratings

• Sky Bank

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  26-Jul-06	Deposits & Senior Debt	A (low)	Stb	Confirmed	US
  26-Jul-06	Short-Term Instruments	R-1 (low)	Stb	Confirmed	US

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• Sky Financial Group, Inc.

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  26-Jul-06	Issuer & Senior Debt	BBB (high)	Stb	Confirmed	US
  26-Jul-06	Short-Term Instruments	R-2 (high)	Stb	Confirmed	US
  26-Jul-06	Subordinated Debt	BBB	Stb	Confirmed	US
  26-Jul-06	Trust Preferred Securities	BBB	Stb	New Rating	US

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• Sky Trust, N.A.

  Date Issued	Debt Rated	Rating	Trend	Action	Attributesi US = Lead Analyst based in USA CA = Lead Analyst based in Canada EU = Lead Analyst based in EU UK = Lead Analyst based in UK E = EU endorsed U = UK endorsed Unsolicited Participating With Access Unsolicited Participating Without Access Unsolicited Non-participating
  26-Jul-06	Deposits & Senior Debt	A (low)	Stb	New Rating	US
  26-Jul-06	Short-Term Instruments	R-1 (low)	Stb	New Rating	US

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