No content (including ratings, credit-related analyses and data, valuations, model, software or other application or output therefrom) or any part thereof (“Content”) may be modified, reverse engineered, reproduced or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of DG International Ratings. DG International Ratings does not intend to assume, and is not assuming, any responsibility or liability to any party arising out of, or with respect to, this Content. This Content is not intended to, and does not, form a part of any contract with anyone, either directly or indirectly. The Content shall not be used for any unlawful or unauthorized purposes. DG International Ratings do not guarantee the accuracy, completeness, timeliness or availability of the Content and is not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, for the results obtained from the use of the Content.

Users of ratings
Users of ratings should be aware that DG International Ratings’s ratings are opinions reflecting the ability of an entity or a securities issue to meet financial commitments such as interest, preferred dividends and repayment of principal, in accordance with their terms. In particular, the users of ratings should be aware that a credit-related and other analyses, including ratings, and statements in the Content are statements of opinion as of the date they are expressed and not statements of fact. DG International Ratings’s opinions, analyses and rating acknowledgement decisions (described below) are not recommendations to purchase, hold or sell any securities or to make any investment decisions, and do not address the suitability of any security.
The Content should not be relied on and is not a substitute for the skill, judgment and experience of the user, its management, employees, advisors and/or clients when making investment and other business decisions. DG International Ratings assumes no obligation to update the Content following publication in any form or format.

Issuing ratings
Credit ratings do not directly address any risk other than credit risk. In particular, ratings do not deal with the risk of loss due to changes in interest rates and other market considerations. DG International Ratings cannot guarantee the full accuracy of all information provided by an entity for the rating process.
In issuing and maintaining its ratings, DG International Ratings relies on factual information it receives from issuers and underwriters and from other sources DG International Ratings believes to be credible. DG International Ratings does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives. Where DG International Ratings decides, at its own discretion, to perform an enhanced factual investigation or an independent verification on the information received, the users should be aware that neither an enhanced factual investigation nor any third-party verification can ensure that all of the information DG International Ratings relies on in connection with a rating will be accurate and complete. Ultimately, the issuer and its advisers are responsible for the accuracy of the information they provide to DG International Ratings and to the market in offering documents and other reports.

Relationship with any Issuer
DG International Ratings does not have a fiduciary relationship with any issuer, subscriber or other individual. Nothing is intended to or should be construed as creating a fiduciary relationship between DG International Ratings and any issuer or between DG International Ratings and any user of its ratings. Ratings may be changed, qualified, placed on Rating Watch or withdrawn as a result of changes in, additions to, correctness of, unavailability of or inadequacy of information or for any reason DG International Ratings deems sufficient.
DG International Ratings does not provide to any party any consultancy service, financial advice or legal, auditing, accounting, appraisal, valuation or actuarial services. A rating should not be viewed as a replacement for such advice or services. The assignment of a rating by DG International Ratings shall not constitute consent by DG International Ratings to use its name as an expert in connection with any registration statement, offering document or other filings under any relevant securities laws.

Disclaimer relative to non-rating documents and industry reports
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