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GUIDE TO 1993 BEST'S RATINGS <br />RATING LEVELS ANO CATEGORIES <br />Level Category Level Category Level Category <br />A++, A+ .......Superior <br />A, A - ..........Excellent <br />B++, B+ .....Very Good <br />g - Group Rating <br />p - Pooled Rating <br />B, B - .............Good <br />C++, C+...........Fair <br />G, C - ..........Marginal <br />RATING MODIFIERS <br />r -Reinsured Rating <br />q - Qualified Rating <br />D ... ,Below Min. Standards <br />E ..Under State Supervision <br />F ........... In Liquidation <br />x - Revised Rating <br />u - Under Review <br />RATING "NOT ASSIGNED" CATEGORIES <br />NA-1 Special Data Filing <br />NA-2 Less than Minimum Size <br />NA-3 Insufficient Operating Experience <br />NA-4 Rating Procedure Inapplicable <br />NA-5 Significant Change <br />NA$ Reinsured by Unrated Reinsurer <br />NA-8 Incomplete Financial Information <br />NA-9 Company Request <br />NA-1 t Rating Suspended <br />FINANCIAL PERFORMANCE INDEX (FPI) <br />The Financial Performance Index (FPI) is assigned <br />to companies with Rating "Not Assigned" Categories <br />of NA-2 and NA-3. The FPI measures the financial <br />strength of small or new companies and is based on <br />the following numerical scale. <br />FPI Description <br />8 & 9 Strong <br />6 & 7 Above Average <br />a & 5 Average <br />2 & 3 Below Average <br />1 Not Assigned <br />Changes to 1993 Rating Structure <br />u -Under Review Modifier added. <br />w -Rating Watch List Modifier discontinued. <br />e -Parent Rating Modifier discontinued. <br />s -Consolidated Rating Modifier discontinued. <br />FINANCIAL SIZE CATEGORIES <br />(In 5000 01 P.eported PolicytwWers' Surplus Plus CAMilional Reserve Funtls) <br />Gass 1 Up to 1,000 Class IX 250,000 to 500,000 <br />Gass II 1,000 to 2,000 Class X 500,000 to 750,000 <br />Gass III 2,000 to 5,000 Class XI 750,000 to 1,000,000 <br />Gass IV 5,000 to 10,000 Class XII 1,000,000 to 1,250,000 <br />Class V 10,000 to 25,000 Class XIII 1,250,000 to 1,500,000 <br />Class VI 25,000 to 50,000 Class XIV 1,500,000 to 2,000,000 <br />Class VII 50,000 to 100,000 Class XV 2,000,000 or more <br />Class VIII 100,000 to 250,000 <br />For the latest Best's Ratings call BestLine 900-555-BEST <br />E~{HIBIT "B" <br />