Table of Contents: Overall ERM Scores ERM Level II Reviews Adequate ERM Stock Performance Relative To ERM Scores Standard & Poor's, February 1, 2010 Primary Credit Analyst: Howard L Rosen, New York (1) 212-438-7104; howard_rosen@standardandpoors.com Secondary Credit Analyst: Vladimir Uhmylenko, New York; vladimir_uhmylenko@standardandpoors.com #ERM #EnterpriseRiskManagement