Lam Tran Ngoc

Moody's Investors Service, Inc. is a credit rating and investment research firm headquartered in New York City. They are a subsidiary of Moody's Corp. (NYSE: MCO). The firm performs international financial research and analysis on commercial and government entities and provides a variety of analytic tools for assessing credit risk. Their clients include creditors, investment banks and commercial banks.

Moody's Deutschland GmbH is the Germany-based investment research subsidiary of Moody’s Corp. (NYSE: MCO) in the US. Headquartered in Frankfurt, the firm was founded in 1991 and provides credit ratings, research, risk analyzes and default data to German-speaking clients including banks, insurance companies, asset managers and industrial companies in Germany, Austria and Switzerland.

Part of Moody's Corp., Moody's Shared Services UK Ltd. is a company that provides credit ratings, research, risk analysis, and shared services. The company is based in London, UK.

Moody's France SAS is a global integrated risk assessment firm headquartered in Paris, France. The firm was founded in 1988 and is a subsidiary of Moody's Corp. (NYSE: MCO) in the US. Moody's France provides investors with a comprehensive view of global debt markets through credit ratings and research. It also provides data, analytics and insights to equip leaders of financial, non-financial and government organizations with effective tools to understand a range of risks.

Part of Moody's Corp., Moody's Group UK Ltd. provides information services. The company is based in London, UK and was founded in 2007.

Cornell University is an educational institution that offers undergraduate and post graduate programs. It was founded in 1865 and is based in Ithaca, NY.

Deloitte & Touche LLP engages in the provision of audit, advisory, financial advisory, tax, and consulting services. The company was founded on March 7, 1995 and is headquartered in New York, NY.

Part of Moody's Corp., Moody's Group (Holdings) Unlimited is an investment holding British company. The company is based in London, UK. Founded in 2012, Moody's Group (Holdings functions as an investment holding company.

Shearman & Sterling LLP provides legal services. It specializes in appellate litigations, capital markets, corporate governance, environmental, finance, international arbitration, investment funds, litigation, mergers and acquisitions, privatization, real estate, and tax. The company was founded by Thomas Shearman in 1873 and is headquartered in New York, NY.

Assured Guaranty (UK) plc specializes in functions related to depository banking. The company was founded in 2003 and is headquartered in London, the United Kingdom.

JPMorgan Chase Bank, NA (UK Investment Management) (JPMorgan Chase-UK) is the Great Britain-based investment management division of JPMorgan Chase Bank, NA, which is owned by JPMorgan Chase & Co. (NYSE: JPM) in the US. Headquartered in London, JPMorgan Chase-UK was founded in 1993 and manages assets of individuals, families, companies, and communities.

The Bank of Canada provides banking and financial services. Its services include mortgage and payment processing, loan application, credit card application, accounting solutions, tax preparation, financial analysis, insurance, and payroll processing services to its clients. The company was founded in 1934 and is headquartered in Ottawa, Canada.

Moody's Investors Service Cyprus Ltd. (MIS Cyprus) is the Sri Lanka-based investment research subsidiary of Moody's Corp. (NYSE: MCO) in the US. Headquartered in Limassol, MIS Cyprus provides investors with a comprehensive view of global debt markets through their credit ratings and research. The firm’s regionally -based analysts covers a variety of industries namely telecommunications, project finance, airlines, oil & gas, hybrid securities, real estate, power & utilities and structured finance.

Sanford C. Bernstein Ltd. is a securities brokerage firm headquartered in London, UK. They are a subsidiary of Alliancebernstein Corp. of Delaware, ultimately held by Equitable Holdings, Inc. (NYSE: EQH) in the US. Founded in 1999, the firm provides fundamental research and full service execution services to institutional clients globally. They offer bottom-up coverage and portfolio strategies supported by sophisticated quantitative tools.

Fitch Ratings Ltd. (FRL) is an investment research firm headquartered in London, UK. The firm was founded in 1977 and is a subsidiary of Fitch Ratings, Inc., ultimately held by The Hearst Family Trust in the US. FRL provides research and specialized ratings of services to residential and commercial mortgages, asset managers and managed funds. They also publish quantitatively based ratings such as Q-IFS ratings.

Société Générale SA (UK) (Société Générale UK) is the Great Britain-based brokerage division of Societe Generale SA (XP: GLE, ADR: SCGLY) in France. Headquartered in London, Société Générale UK was founded in 1993 and provides broking services.

Moody's Investors Service Singapore Pte Ltd. (Moody's Singapore) is an investment research firm headquartered in Singapore. The firm is a subsidiary of Moody’s Corp. (NYSE: MCO) in the US. Moody's Singapore provides credit ratings, research, and risk analysis to different countries, corporate issuers, public finance issuers, and structured finance obligations. Their clients include creditors, investment banks and commercial banks.

Part of Moody's Corp., Midroog Ltd. is a credit ranking agency based in Tel Aviv, Israel. The Israeli company provides rankings for non-financial corporations, real estate, investment companies, financing, credit projects, and energy establishments. The company's services include registration and report relationships, transparency, reliability, and professional views. Midroog uses rating ladders to give its opinion in accordance with the settings listed on the scale itself. The company's ratings and publications do not constitute a statement about the correctness of facts at the time of advertising or at all. Midroog is not responsible for the correctness of the information and is presented as provided by the same sources of information. Midroog was founded by Gil Gazit and is currently led by CEO Eran Heimer.

Part of Moody's Corp., Moody's Holdings Ltd. is a holding British company that provides credit rating, research, and risk analysis services for debt instruments through its subsidiaries. The company is based in London, UK and was founded in 2000.

Part of Moody's Corp., Moody's Interfax Rating Agency Ltd. provides credit risk evaluation and political news coverage services. The company is based in Moscow, Russian Federation.

Part of Moody's Corp., Moody's Group Deutschland GmbH is a integrated risk assessment firm that empowers organizations to make better decisions. The company is based in Frankfurt am Main, Germany. The CEOs are Britta Genehr, Timothy John Crawford Herring. The German company was founded in 2008.