Test Environment

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Ratings

Validus Reinsurance, Ltd.

Validus Reinsurance Ltd. is rated by A.M. Best, Fitch, Moody’s and Standard & Poor's.

A.M. Best Financial Strength Rating
A, Stable Outlook

Fitch Insurer Financial Strength Rating
A, Stable Outlook

Moody’s Insurance Financial Strength Rating
A2, Stable Outlook 

Standard & Poor's Financial Strength Rating
A, Stable Outlook 

Lloyd’s

Financial strength rating applicable to all Lloyd's syndicates including Talbot Syndicate 1183. For further information, please refer to the Lloyd’s site: www.lloyds.com

A.M. Best Financial Strength Rating
A, Excellent Outlook

Fitch Ratings Financial Strength Rating
AA-, Very Strong Outlook

Standard and Poor’s Financial Strength Rating
A+, Strong Outlook

Validus Reinsurance (Switzerland) Ltd.

Validus Reinsurance (Switzerland) Ltd. is rated by A.M. Best and Standard & Poor's.

A.M. Best Financial Strength Rating
A, Stable Outlook

Standard & Poor's Financial Strength Rating
A, Stable Outlook 

Western World Insurance Company

Western World Insurance Company and its affiliates are rated by A.M. Best.

A.M. Best Financial Strength Rating
A+, Negative Outlook