Press Release

DBRS Confirms Ratings of Credit Card ABS Transactions

Consumer Loans & Credit Cards

July 16, 2012

DBRS, Inc. has conducted a review of several outstanding U.S. structured finance credit card asset-backed securities transactions. Of the 7 publicly rated trusts reviewed, a total of 18 series, containing 87 outstanding classes were confirmed.

The collateral supporting the transactions is performing within DBRS expectations and available credit enhancement for each class is sufficient to cover DBRS expected losses.

The following public transactions have been reviewed:
•1st Financial Credit Card Master Note Trust II, Series 2009-A
•1st Financial Credit Card Master Note Trust II, Series 2010-A
•1st Financial Credit Card Master Note Trust II, Series 2010-B
•1st Financial Credit Card Master Note Trust II, Series 2010-C
•1st Financial Credit Card Master Note Trust II, Series 2010-D
•1st Financial Credit Card Master Note Trust II, Series 2011-A
•Cabela’s Credit Card Master Note Trust Series 2010-I
•Cabela’s Credit Card Master Note Trust Series 2010-II
•Cabela’s Credit Card Master Note Trust Series 2011-II
•Cabela’s Credit Card Master Note Trust Series 2011-IV
•Cabela’s Credit Card Master Note Trust Series 2012-I
•Capital One Multi-asset Execution Trust
•World Financial Capital Master Note Trust Series 2009-VFN
•World Financial Network Credit Card Master Note Trust Series 2009-B
•World Financial Network Credit Card Master Note Trust Series 2009-D
•World Financial Network Credit Card Master Note Trust Series 2009-VFN
•World Financial Network Credit Card Master Note Trust II, Series 2010-1
•World Financial Network Credit Card Master Trust III, Series 2009-VFC1

Notes:
All figures are in U.S. dollars unless otherwise noted.

The applicable methodology is the DBRS Master U.S. ABS Surveillance Methodology, which can be found on our website under Methodologies.

This rating is endorsed by DBRS Ratings Limited for use in the European Union.

Ratings

1st Financial Credit Card Master Note Trust II, Series 2009-A

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Class A-1	AAA (sf)	--	Confirmed	US
16-Jul-12	Class A-2	AAA (sf)	--	Confirmed	US
16-Jul-12	Class B	AA (high) (sf)	--	Confirmed	US
16-Jul-12	Class C	A (high) (sf)	--	Confirmed	US
16-Jul-12	Class D	BBB (high) (sf)	--	Confirmed	US
16-Jul-12	Senior Cash Collateral Account	BB (high) (sf)	--	Confirmed	US
16-Jul-12	Intermediate Cash Collateral Account	BB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-A Notes, Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2010-A Notes, Class B	AA (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2010-A Notes, Class C	A (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2010-A Notes, Class D	BBB (high) (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-B Notes, Class A	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-B Notes, Class B	AA (high) (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-B Notes, Class C	A (high) (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-B Notes, Class D	BBB (high) (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Class B	AA (high) (sf)	--	Confirmed	US
16-Jul-12	Class C	A (high) (sf)	--	Confirmed	US
16-Jul-12	Class D	BBB (high) (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-D Notes, Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2010-D Notes, Class B	AA (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2010-D Notes, Class C	A (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2010-D Notes, Class D	BBB (high) (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2011-A, Class A	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2011-A, Class B	AA (high) (sf)	--	Confirmed	US E
16-Jul-12	Series 2011-A, Class C	A (high) (sf)	--	Confirmed	US E
16-Jul-12	Series 2011-A, Class D	BBB (high) (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-I Notes, Class A-2	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-I Notes, Class B	A (high) (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-I Notes, Class C	BBB (sf)	--	Confirmed	US E
16-Jul-12	Series 2010-I Notes, Class D	BB (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-II Notes, Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2010-II Notes, Class B	A (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2010-II Notes, Class C	BBB (sf)	--	Confirmed	US
16-Jul-12	Series 2010-II Notes, Class D	BB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2011-II Notes, Class A-1	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2011-II Notes, Class A-2	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2011-II Notes, Class B	A (high) (sf)	--	Confirmed	US
16-Jul-12	Series 2011-II Notes, Class C	BBB (sf)	--	Confirmed	US
16-Jul-12	Series 2011-II Notes, Class D	BB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Class A-1	AAA (sf)	--	Confirmed	US
16-Jul-12	Class A-2	AAA (sf)	--	Confirmed	US
16-Jul-12	Class B	A (high) (sf)	--	Confirmed	US
16-Jul-12	Class C	BBB (sf)	--	Confirmed	US
16-Jul-12	Class D	BB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Class A-1	AAA (sf)	--	Confirmed	US
16-Jul-12	Class A-2	AAA (sf)	--	Confirmed	US
16-Jul-12	Class B	A (high) (sf)	--	Confirmed	US
16-Jul-12	Class C	BBB (sf)	--	Confirmed	US
16-Jul-12	Class D	BB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Cardseries Class B (2009-C) Notes	A (sf)	--	Confirmed	US E
16-Jul-12	Cardseries Class C (2009-A) Notes	BBB (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2009-VFN, Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2009-VFN, Class M	AA (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2010-1 Notes, Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Series 2010-1 Notes, Class M	AA (sf)	--	Confirmed	US
16-Jul-12	Series 2010-1 Notes, Class B	A (sf)	--	Confirmed	US
16-Jul-12	Series 2010-1 Notes, Class C	BBB (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2009-A Notes, Class A	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-A Notes, Class M	AA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-A Notes, Class B	A (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-A Notes, Class C	BBB (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2009-B Notes, Class A	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-B Notes, Class M	AA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-B Notes, Class B	A (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-B Notes, Class C	BBB (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2009-D Notes, Class A	AAA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-D Notes, Class M	AA (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-D Notes, Class B	A (sf)	--	Confirmed	US E
16-Jul-12	Series 2009-D Notes, Class C	BBB (sf)	--	Confirmed	US E

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Class A	AAA (sf)	--	Confirmed	US
16-Jul-12	Class M	AA (sf)	--	Confirmed	US

Date Issued	Debt Rated	Rating	Trend	Action	Attributesi
16-Jul-12	Series 2009-VFC1 Notes, Class A	AAA (sf)	--	Confirmed	US

1st Financial Credit Card Master Note Trust II, Series 2009-A

Class A-1

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class A-2

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Senior Cash Collateral Account

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Intermediate Cash Collateral Account

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:US

1st Financial Credit Card Master Note Trust II, Series 2010-A

Series 2010-A Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-A Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-A Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-A Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:US

1st Financial Credit Card Master Note Trust II, Series 2010-B

Series 2010-B Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-B Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-B Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-B Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

1st Financial Credit Card Master Note Trust II, Series 2010-C

Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:US

1st Financial Credit Card Master Note Trust II, Series 2010-D

Series 2010-D Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-D Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-D Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-D Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:US

1st Financial Credit Card Master Note Trust II, Series 2011-A

Series 2011-A, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2011-A, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2011-A, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2011-A, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Cabela's Credit Card Master Note Trust Series 2010-I

Series 2010-I Notes, Class A-2

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-I Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-I Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2010-I Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:USE

Cabela's Credit Card Master Note Trust Series 2010-II

Series 2010-II Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-II Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-II Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-II Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:US

Cabela's Credit Card Master Note Trust Series 2011-II

Series 2011-II Notes, Class A-1

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2011-II Notes, Class A-2

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2011-II Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2011-II Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2011-II Notes, Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:US

Cabela's Credit Card Master Note Trust Series 2011-IV

Class A-1

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class A-2

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:US

Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:US

Cabela's Credit Card Master Note Trust Series 2012-I

Class A-1

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class A-2

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (high) (sf)
Trend:--
Rating Recovery:
Issued:US

Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:US

Class D

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BB (sf)
Trend:--
Rating Recovery:
Issued:US

Capital One Multi-asset Execution Trust

Cardseries Class B (2009-C) Notes

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (sf)
Trend:--
Rating Recovery:
Issued:USE

Cardseries Class C (2009-A) Notes

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:USE

World Financial Capital Master Note Trust Series 2009-VFN

Series 2009-VFN, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2009-VFN, Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:US

World Financial Network Credit Card Master Note Trust II

Series 2010-1 Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-1 Notes, Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-1 Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (sf)
Trend:--
Rating Recovery:
Issued:US

Series 2010-1 Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:US

World Financial Network Credit Card Master Note Trust Series 2009-A

Series 2009-A Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-A Notes, Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-A Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-A Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:USE

World Financial Network Credit Card Master Note Trust Series 2009-B

Series 2009-B Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-B Notes, Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-B Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-B Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:USE

World Financial Network Credit Card Master Note Trust Series 2009-D

Series 2009-D Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-D Notes, Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-D Notes, Class B

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:A (sf)
Trend:--
Rating Recovery:
Issued:USE

Series 2009-D Notes, Class C

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:BBB (sf)
Trend:--
Rating Recovery:
Issued:USE

World Financial Network Credit Card Master Note Trust Series 2009-VFN

Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

Class M

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AA (sf)
Trend:--
Rating Recovery:
Issued:US

World Financial Network Credit Card Master Trust III, Series 2009-VFC1

Series 2009-VFC1 Notes, Class A

Date Issued:Jul 16, 2012
Rating Action:Confirmed
Ratings:AAA (sf)
Trend:--
Rating Recovery:
Issued:US

ALL MORNINGSTAR DBRS RATINGS ARE SUBJECT TO DISCLAIMERS AND CERTAIN LIMITATIONS. PLEASE READ THESE DISCLAIMERS AND LIMITATIONS AND ADDITIONAL INFORMATION REGARDING MORNINGSTAR DBRS RATINGS, INCLUDING DEFINITIONS, POLICIES, RATING SCALES AND METHODOLOGIES.

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