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08/09/2002 14:19 ET REF: NOODT193.0000 FR:NOODYS T0:7049202881 Page 4 of 4 information, or (b) any direct, indirect, special, consequential, compensatory or incidental damages whatsoever (including without limitation, lost profits), even if MOODY'S is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. The credit ratings, if any, constituting part of the information contained herein are, and m~st be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities. NO WARP~ANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORP~ATION IS GIVEN OR FL~DE BY MOODY'S IN ANY FO~ O2 MANNER WHATSOEVER. Each rating or other opinion m~st be weighed solely as one factor in any investment decision made by or on behalf of any user of the information contained herein, and each such user m~st accordingly make its own study and evaluation of each security and of each issuer and guarantor of, and each provider of credit support for, each security that it may consider purchasing, holding or selling. Pursuant to Section 17(b) of the Securities Act of 1933, MOODY'S hereby discloses that most issuers of debt securities (including corporate and municipal bonds, debentures, notes and commercial paper) and preferred stock rated by MOODY'S have, prior to assignment of any rating, agreed to pay MOODY'S for the appraisal and rating services rendered by it fees ranging from $1,000 to $1,500,000.