Essential intelligence on complex business sectors,made simple.

� Banks & Thrifts

� Insurance

� Financial Services

� Real Estate

� Energy

� Media & Communications

On a single Web-based platform, SNL delivers a breadth anddepth of information you won’t find anywhere else, from sector-specific performance metrics to M&A data to insightful newsand analytics. Our interactive interface and analytical toolsmake our service uniquely easy to access and use 24/7, withaccuracy guaranteed.

For banks & thrifts, insurance, financial services, real estate, energy and media & communications, the most trusted source ofsector-focused data, news and analytics is also the easiest to use.

The SNL advantage.

S N L ’ S F O U R C O R E T E N E T S

Whether selecting stocks or bonds, planning mergers or mapping competitive

strategies, leading investors and corporate decision-makers rely on SNL Financial

as their single best source. SNL is recognized as the premier information provider

in the sectors it covers: Banks and Thrifts, Financial Services, Insurance, Real

Estate, Energy and Media & Communications.

Insight and depth you won’t find anywhere else.No other resource can match our depth and relevance of coverage. Generalist

providers give you basic financial data and broker research reports. So do we. But

nobody else couples that information with standardized and as-reported sector-specific financials, source-

tagging, ratio dissection, Excel® templates, asset-level data, mapping or regulatory data. Even if you spend the

time pulling together data from various sources, you won’t come close to what SNL compiles on one platform.

Analytical tools: link your models to our database.SNL gives you a host of customizable analytical tools including valuation, peer and M&A models. SNLxl, our

powerful Excel Add-In, allows you to seamlessly integrate SNL data into your spreadsheets and analytical

models. Build your template once, or let us do it for you, then refresh data later with one click.

Coverage and clients.SNL covers 4,000 public companies and over 50,000 private companies in North America, with international

coverage that expands every year. We serve over 4,000 clients and more than 40,000 users, ranging from

Wall Street institutions to senior executives at the global firms active in our industries.

1) Accuracy: information you can trust, and we guarantee itSNL news and data are compiled by trained sector experts, and carefully checked and rechecked before publication.

We are so confident in our accuracy that we put our money where our mouth is. We’re the only information provider with an

accuracy guarantee: we pay clients $50 (or make an equivalent charitable donation) for each error found and reported to us.

2) Relevance: sector-specific standardization and granularityOne financial format doesn’t fit all, so SNL creates a unique data template for each sector. We standardize and analyze

data in an industry’s own language, formats and fields. The result: a more relevant picture, providing sector-specific

metrics that are more meaningful, and the ability to make apples-to-apples comparisons.

3) Completeness: the deepest and broadest spectrum of informationSNL has built a platform and process to “deep dive” into business sectors with fragmented data sources, unique metrics

and/or regulatory reporting requirements. We have developed proprietary techniques to locate information that is otherwise

difficult or even impossible to find. No source is more complete, from asset-level data to M&A history to ownership insights.

4) Timeliness: the latest news and data, linked and updated in real timeSNL integrates news, data and analytics in real time, all updated 24/7 and provided to clients long before comparable but

less complete information is available from other sources. Everything is cross-linked for easy drill-down. Go from an

analytical report directly to a company’s financial profile or news article. Tie any Excel spreadsheet to the SNL database for

instant updating.

Access, sort, link, chart, build models andcreate custom reports with a few clicks.SNL is as easy to use as a Web browser.

Banks & Thrifts

Since 1987, SNL has been recognized as the gold standardfor banking industry data and insight. Always the leadingprovider of business and peer intelligence for money centersand regional banks, we have become an indispensable sourcefor community banks as well.

From Wall Street to Main Street, the banking industrycounts on SNL data to make sound decisions.

SNL’s database includes detailed profiles on more than 20,000 U.S. financial institutions, including all publicly

traded banks and thrifts, privately held institutions and credit unions. SNL is the trusted information partner to

49 of the 50 largest commercial banks in the U.S. along with hundreds of regional and community banks. 100%

of investment banks with any substantive financial institution industry practice are SNL subscribers.

Timely strategic indicators for operators and investors.SNL has always been first with the data you need. We publish regulatory filings within 24 hours of availability,

and earnings data from larger banks within an hour. SNL’s coverage of key metrics makes peer comparisons easy.

Use our groundbreaking Peer Analytics to optimize your own performance and plan competitive strategies with

benchmarks like loan mix, credit quality, net interest margin and efficiency ratio. Perform in-depth analysis of a

bank’s footprint, including its branch network, market attributes and any changes due to M&A activity. If you’re

an investor, the same SNL database informs investment strategies, while

SNL news and analytics keep you up-to-date on trends.

M&A Assessment.SNL’s powerful Merger Model leverages our data on the bank and thrift

industry to quickly assess the attractiveness of M&A deals. Use historical

data on over 6,500 bank transactions to evaluate deal economics and

calculate rate of return for various scenarios.

Coverage of 750+ banks in Europe.SNL applies the same standards and processes to our upcoming (Winter

2010/2011) coverage of European banks. Over 400 financial data items,

plus key ratios, are in a European/IFRS Bank Template. Easily compare

banks in Sweden to banks in Italy to banks in Poland. Track capital, debt

and equity transactions.

“SNL is the prerequisite resource for insightfulbanking analysis, providing a comprehensiveoverview of key investment trends. SNL’s bankingdatabase is fast, reliable and easy to use”.

Meredith WhitneyCEO, Meredith Whitney Advisory Group, LLC

Powerful branch analytics.Harness SNL’s powerful branch database tocreate customized reports and professional-quality maps. Primary workflows includetransaction HHI analysis, market share andmarket overlap reports. Additional featuresinclude integrated branch maps with market-level thematics that incorporate demographicand commercial market data.

SNL Merger Model streamlines scenario analysis. Run up to 50 scenarios side by side. SNL’sMerger Model plugs in financials from ourbank and thrift database, complete withbranch data (maps, HHI analysis), andcalculates deal value using your assumptions.Apply different pricing methodologies fromtargeted EPS accretion to premium over bookvalue. Generate pro forma reports instantly.

Insurance & FinancialServices

The top equity research analysts and financial institutionM&A advisors are regular SNL users. In addition, more than600 asset managers, hedge funds and private equity firmsuse SNL to make investment decisions.

From peer comparisons to statutory data analysis,SNL makes complex analytical tasks simple.

Many portfolio managers use SNL as their exclusive, one-stop information provider for one or more of the 6

sectors SNL covers. Whether you’re a sector specialist or a generalist, SNL’s sector-specific formats, fields and

financials give you the most relevant views.

Serving and covering the financial services community.Industry leaders make SNL their preferred source for complete, accurate and timely financial data on insurance

and financial services companies. Cross-sector coverage has a dual purpose: to vet external investments or

acquisition opportunities and to benchmark internal performance against

your peers.

Data, news and analytics are cross-linked.Dozens of preformatted snapshots show you GAAP and statutory financial

trends, M&A activity, business profiles and market share. Breaking news

items and historical archives all have links to relevant company profiles,

articles and reports. Make meaningful peer comparisons, perform in-depth

analysis and generate customized reports using a point-and-click menu.

Set up your own proprietary models and link them to the SNL database,

which updates them automatically.

Even statutory insurance data is transparent.SNL takes a large and complicated data set and makes it simple to get a

complete picture of an insurance company’s performance. Bottom-up group

analysis, Schedule P, ratings data, key ratios, investment portfolio analysis,

market share and loss triangles are cross-linked to everything else.

Schedule DAccess investment portfolio details of anyinsurance organization contained withinSchedule D, on a group, individual or industry-wide basis. This level of information is availableboth annually and quarterly for the detailedinvestment holdings.

Peer AnalyticsInnovative default peer logic and powerfulcustomization options allow you to perform the mostcomplete analysis for any U.S. public insurancecompany. Create relevant peer comparisons usingSNL's proprietary score & rank functionality.Customize your peer reports by selecting fields suchas Tangible Equity, Net Income, ROAE, and TotalPolicy Income. Add SNL indexes or custom aggregatesfor additional benchmarking. Leverage your savedpeer groups within the rest of SNL.

“I am the portfolio manager for a fund invested almostexclusively in insurance stocks. Given my option forone data provider, SNL was the choice. I’ve workedclosely with a number of people on your team, indifferent capacities, and they are indeed top notch.”

E. Stewart JohnsonPortfolio Manager, Philo Smith & Co.

RealEstate

The depth, breadth and analytical capacity of SNL Real Estateis unmatched anywhere in the world, providing our subscriberswith a competitive advantage. Our data, news and analyticskeep you on top of the dynamic real estate securities market.

We make it easier to find the right stocks, build proprietarymodels and generate better ideas.

Eighteen of the 20 largest institutional holders of U.S. REIT securities are subscribers. So are the top five real

estate fixed-income research analysts, the majority of investment banks specializing in real estate and the top

10 underwriters of REIT equity and debt securities.

Data unique to real estate, at a granular level.The real estate industry has unique financials that don’t lend themselves to the typical financial formats.

We track EPS, FFO, AFFO, NAV, revaluation gains, same-store figures, operating partnership units and other

data specific to this sector. Display financial, operational and asset-level detail. Drill down with one click for

further analysis. View a company’s property portfolio holdings by property types, tenants, markets and property

transactions. With our Briefing Book function, build investment-banker-quality profiles and reports in seconds

with details down to the individual property level.

Make SNL in your own image.Your proprietary approach to analysis and decision-making is what

separates you from your competition. With SNLxl, any model that you have

on an Excel spreadsheet can be tied to the SNL database so that it is

updated automatically. Build custom profiles and comparisons with

everything from M&A history and property exposure reports to capital

structure and financial highlights.

The first single source for worldwide real estate investment data.Fragmented information that was often impossible to find has been

organized by SNL into standardized templates that permit apples-to-apples

comparisons. Evaluate property portfolios in 39 countries. Access asset-

level data. View source documents. And instantly convert any screen or

report into a specific currency.

PropertiesSNL tracks more than 100,000properties around the world. Our property database gives youdetailed information on acompany’s property portfolio,including property transactions,properties in its developmentpipeline, top tenants and topmarkets. View purchase/sale terms, debt, occupancy, rents,demographics and other dataessential to understanding how a property fits into a company’sportfolio. Use the individualproperty map to view road andaerial imagery as well as a 45°bird’s-eye view of the property.

“We use SNL data to drive our investment strategy anddecision process. The numbers in our proprietarymodels for picking stocks come from the SNLdatabase. SNL provides the information and analyticaltools essential to what we do. They save us time, plustheir data is reliable and accurate.”

Kim ReddingChief Executive Officer, Brookfield Redding LLC

EnergySNL redefines the energy information market by integratingnews, data and analytics in real time on a Web-basedinterface. This integration sets the standard for intelligenceon the power, natural gas, coal and renewable markets.

SNL Energy’s trusted news, information and analysis drivescritical energy investment decisions.

SNL Energy covers more than 3,000 North American energy companies including electric and natural gasutilities, merchant generators, interstate pipelines, and coal producers. SNL Energy offers comprehensivecompany-level financial and operational details. Included are more than 9,000 coal, natural gas, nuclear,hydro, geothermal, wind, solar and biomass power plants, with specifics on new project build-outs.

Continually updated information on electric power, natural gas and coal.SNL Energy data is validated and immediately available through ourplatforms. Our service combines news, operational statistics andfinancial details on companies, coal mines, interstate pipelines andpower plants. SNL Energy provides comprehensive coverage of hourly,daily and forward market prices for power, natural gas, coal, oil andemissions.

Briefing Books provide quick access to key financial and operationaldata in seconds. SNLxl allows users to create updatable spreadsheetsand models relevant to electric and gas utilities, power plant, coal mineoperations and energy markets. SNL’s template library providescustomizable Excel reports for industry analysis and benchmarking.

SNL Energy’s industry-leading news desk publishes more than a dozensegment-specific newsletters. Market-moving news is delivered online,in real time, dynamically filtered to your specific interests —generation stories, M&A updates, corporate finance, trends and more.You get news linked to financial and operational statistics, sourcedocuments, investor presentations and event calendars.

Regulatory Research Associates (RRA): an SNL extra.With nearly 30 years of unmatched expertise, Regulatory ResearchAssociates (RRA) provides SNL Energy clients with high-levelintelligence and consultation on regulatory issues affecting utilities.

Comprehensive power plant analysis is fast and easy with pre-built SNL templates. Produce a list of past and present M&A deals involving power plants with the Power Plant Transactions model. View power plant projectswith details such as ownership, technology, fueltype, capacity, and geography with the Power Plant Project’s spreadsheet

Easy access to market prices.SNL provides hourly power prices at the nodes,zones and hubs for U.S. and Canadian power markets.

Generate complete power plant profiles in seconds.The Power Plant Briefing Book aggregates in-depth news, financial and operational statistics for online and under-development power plants in North America.

“Recently I was introduced to the SNL service forextracting benchmarking information for electric andgas utilities. The tools provided are excellent, and thesupport superior to other such services used.”

Charisse TrottierStrategic Planning Supervisor, DTE Energy

In today’s media world, boundaries between sectors are blurring.So SNL Kagan covers them all: Broadcast, TV Networks, Wirelessand Wireline, Multichannel Operations, Global Multichannel,Filmed Entertainment/TV Programming and Internet Media. We connect the dots between sectors in real time.

SNL Kagan: the first single source for in-depth analysis andquantitative data on the constantly evolving media andcommunications business.

Media & Communications

SNL Kagan’s proprietary data sets, studies, analysis and projections are the go-to references in vital media and

communications sectors. We are your central hub to track both quantitative impact and qualitative implications.

A full view of the past, present and future.Receive up-to-the-minute news on companies and sectors, then compare forecasts, tabular historical data and

current results. We give you both the panoramic view and the detail — from analytical reports on the significance

of a studio’s content deal with a leading online player, to tabular data identifying operational metrics and revenue

streams of individual telcos, multichannel operators and networks.

Track deal flow and the shifts in ownership of wireless licenses, broadcast

stations, cable networks and Web properties with exclusive "sum-of-the-

parts" evaluation analysis. See how an entity’s economics stack up against

the industry average on exclusive sector-specific performance metrics like

affiliate revenue per sub for TV networks. See where multichannel operators

compete, and who’s succeeding where. Understand future revenue streams

for TV stations such as retransmission and online. Use the proprietary

Kagan Profitability Index (KPI), which continually updates monthly revenue

and cost projections for every movie by window.

Proprietary insider intelligence on our unique platform.Not only do we aggregate and standardize figures from company-reported

financials and other sources like regulatory databases, we also gather

exclusive information from our own surveys, insider contacts and top

management interviews, all made available on our interactive platform. SNL

Kagan’s Global Multichannel service includes 75 countries, representing

the best worldwide coverage in the Media & Communications sector.

Industry and asset-level intelligence.View 5-year and 10-year domestic andinternational market size projections. Ourexpert analysis combines with our uniquedata on TV networks, TV & radio stations,wireless licenses, cable systems andmotion pictures to give you the contextnecessary to achieve your strategic goals.

Company-level financial, operationaland market data.Save time and money with easy access toboth standardized and as-reportedfinancial and operational data. Oursector-specific approach and accuracyare unmatched.

“SNL Kagan’s platform is one of our primary go-tosources for service provider profiles and the informa-tion we need to evaluate industry and competitivetrends. It’s all up-to-date and easy to access!”

Sharon MetzVP, Vertical Marketing, Rovi Corporation

Our news organization of more than 130 reporters and editorsacross three continents covers the financial institutions, energy, real estate and media & communications sectors.

Breaking news, exclusive reporting, commentary and blogs,and full integration with SNL data and analytics.

SNL News

With more than 130 reporters and editors spanning three continents, SNL’s news organization surpasses that

of many major media entities in both breadth and depth. Our senior reporters provide sector-focused expertise

and institutional knowledge unmatched by other financial news services.

The news behind the data. The data behind the news.A unique attribute of the SNL Unlimited information service is the real-time cross-linking of news, data and

analytics. Company financial profiles include links to the latest news involving that company. Analytical reports

and breaking news stories link back to company profiles as well as relevant stories in the SNL news archives.

Subscribers can opt to receive daily or weekly news highlights from each business sector, as well as email alerts.

In addition to original reporting, our news team also scours hundreds of

online and print sources each day so that we never miss a story that matters

to our clients. Our stable of third-party experts and industry veterans offers

commentary and insight you won’t find anywhere else.

A full roster of leading sector-based newsletters.SNL publishes 39 different sector-focused newsletters, widely regarded as

key insider resources for the industries we cover. Delivered daily, weekly

and monthly via email and also accessible online, these electronic

publications provide exclusive, market-moving information that’s linked to

SNL’s extensive database. The number of SNL newsletters in each sector are:

� Banks and Thrifts (6)

� Insurance (4)

� Financial Services (3)

� Real Estate (4)

� Electric Power (9)

� Gas (3)

� Coal (2)

� Media & Communications (8)

Customizable sector-focused news.SNL offers a wide array of online news content –breaking stories, in-depth analysis, real-time pressreleases and filings, regular features and blogs –through a variety of “Web part” portals that allow usersto customize page layout. Users can further filter newscontent by subject matter and company portfolios.

News + data = real knowledge.Articles display a wealth of data related to the story athand – referenced companies, capital offerings, M&Atransactions, links to SNL-related and externallysourced articles and a multitude of industry-specificassets like TV networks and power plants. Drawing onunrivaled data resources, our sector experts worktogether with our experienced reporters to provide themost insightful financial news and analysis in themarket today.

“If mainstream media reporters were as concernedabout accurate reporting as your SNL team, they wouldactually be respected again. SNL is one of the fewnews sources that I can count on for accurate andtimely information.”

Clifton KeelerPrincipal Project Director – Gasification,ConocoPhillips Company

SNL IR Solutions builds and manages investor relations Web

sites for companies across the market cap spectrum. In

today’s stringent regulatory environment, compliance has

become a demanding and risky proposition. It takes a partner

like SNL to help you navigate the minefields.

Our all-in-one IR solution is recognized as the most robust in

the industry for corporate governance and shareholder

communications. We also provide a variety of conference call

and Webcast services that are second to none.

SNL provides a custom Web design that matches your

corporate site. Our cutting-edge IR console makes the site easier to manage and streamlines workflow. Our

single-source solution is enhanced by industry-leading partners such as Chorus Call for conference calls,

TalkPoint for Webcasts and Ipreo for targeting,

surveillance and analytics.

If you’re in an SNL-covered industry, SNL can incorporate

sector-specific information and news into your site,

including peer comparisons and corporate performance

graphs now required by the SEC. For companies not in

SNL’s coverage universe, we still provide financial data,

news releases, SEC filings and more, for an all-inclusive

flat fee in an industry where extra charges are the norm.

Support is provided by expert staffers who understand

your business.

One-stop online investor relations: custom Websites, powerful functionality and robust support.

IR Solutions

SNL builds online IR sites and programs for multibillion-dollar financial institutions andREITs to small community banks – and everywhere in between. We build free trial sites fornew customers and routinely redesign existing sites free for current clients.

“SNL is the only vendor in the market who can enrichan IR site with industry information and analytics,such as news, peer comparisons and mapping.”

Mary JensenVP-Investor Relations, Douglas Emmett

The SNL Center for Financial Education (CFE) is an SNL affiliate dedicated to professional development for

SNL clients and non-clients through seminars, conferences and webinars, as well as custom programs

conducted on-site for you. Every year, SNL CFE develops and produces more than 50 industry-specific events

for professionals in the financial services, energy, real

estate and media sectors.

Prestigious industry conferences.CFE executive conferences feature frank conversations and

high-level insight from the senior executives and directors

who form the conference panels and lead discussions.

Among the SNL CFE executives conferences considered

“must attend” in their industries are the SNL Insurance

Brokerage Summit, the SNL EXNET Power and Utilities

Symposium, the SNL Bank M&A Symposium and the SNL

Kagan TV and Radio Finance Summit.

Seminars and training programs.

CFE training seminars are content-rich and designed to be of immediate practical value. The menu of programs

ranges from broad introductory programs to post-graduate equivalency programs focusing on

sector-specific analytical concepts including valuation and credit analysis.

Instructors for CFE seminars are drawn from the ranks of active industry practitioners

and acknowledged subject matter experts. CFE also runs an extensive schedule of

webinars, accessible both in real time and archived for on-demand viewing. Many of

them are included as part of SNL Unlimited subscriptions.

To see the complete schedule of CFE offerings,

visit www.snlcenter.com.

SNL Center for Financial Education (CFE)

Conferences &Training Seminars

“I’ve both taught at SNL CFE training seminars andattended their executive conferences. The programsare invariably content-rich and timely with a great mixof industry professionals attending.”

Mark DwelleManaging Director, Equity Research,RBC Capital Markets

In complex business sectors like banking, insurance, financial services, real estate, energy and media &

communications, the forces that drive stock value are often embedded in metrics specific to each industry. Only

SNL Financial breaks out these metrics in granular fields using in-depth, sector-specific analysis. SNL’s data

feeds allow you to seamlessly integrate these sector-specific data points into your custom applications and

intranets, giving you access to the most complete and relevant picture of the industry.

Discover more ways to generate alpha. Share SNL data more efficiently throughout your organization. Tap into

20+ years of historical fundamental data and over 46,000 data points. Our sector experts can brief you on each

of our covered industries, show you what to look for and help you take advantage of our unique data sets. SNL’s

technical experts will assist you with platform integration, and monitor and support your data feeds.

Better data helps you create more accurate models and strategies. SNL is the only data source that guarantees

accuracy and timeliness, letting you focus on results without having to second-guess the data.

SNL Data PublicationsSNL publishes a full lineup of printed directories for the business sectors we cover. From executivecompensation to mergers and acquisitions, these valuable desk references provide quick and easyaccess to hundreds of rankings, listings and industry trends. For example, the SNL Financial Institutions Deal Book is the definitive source for M&A and capital markets activity in a given year,naming all the players and deals.

Find new correlations and unlock hidden value in complexbusiness sectors with SNL’s sector-specific data feeds.

Data FeedsGo granular. From statutoryinsurance data, to specificbalance sheet ratios forbanking, to real estatemetrics like NAV, AFFO andmore, SNL breaks out eachsector’s unique metrics.

SNL experts help you harness the power of SNL tomaximize the return on your subscription investment.

SNL Support

“Your support team is CONSISTENTLY a pleasure to deal with. They are highly responsive, helpful and theirlevel of service very refreshing! You’ve exceeded my expectations with my many interactions and requests”.

Cindy S. Walters, Senior Vice President and Director of Marketing, Alliance Bank

“I am always impressed with the speed at which questions, concerns and errors are addressed at SNL. SNLshould hold seminars for other companies and businesses.”

Matt Wainscott, Senior Financial Analyst, Austin Associates, LLC

“Seriously, you guys have very dependable, quick and knowledgeable service. I used to look at all the comments on your Web site and wonder whether they are cooked up. Now I am convinced that they are not.Keep up the great work!”

Amitabh Bhargava, Business Director, Commercial Credit Risk Management,Capital One Financial Corporation

What SNL customers say about being able to talk to an expert any time:

Around-the-clock support.SNL customer support advisors are experts in financial analysis, your sector and SNL’s products. Tell your SNL

expert what you’re trying to do from a business perspective. You’ll get some easily applied tips that will harness

the power of SNL to ensure you meet your goals.

SNL Support people aren’t tech reps, although they’re well-versed in how to apply our technology. They have

backgrounds similar to yours. They are one of the many reasons SNL renewal rates consistently exceed 93%.

With extended support hours around the globe, SNL Support is available to answer your questions at any time,

from anywhere.

Talk to an expert.Talk to an SNL expert to unleash the full benefits of everything SNL offers. Learn tips that translate into

bottom-line results. Gain a competitive edge, cut hours of manual updating and make your life easier. Find out

how easy it is to link your spreadsheets to the SNL database, using SNLxl. Ask about the Briefing Book report

builder function to produce in-depth, presentation-ready pitch books on a specific company — in minutes, not

hours. Get up to speed on mapping in all its colorful dimensions. Find out the details on the latest SNL

innovations. Take advantage of SNL Support to get the most out of SNL.

US: +1 (888) 275-2822 � UK: +44 20 7283 8887 � India: +1 (800) 102-7654 � support@snl.com

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Headquarters One SNL PlazaP.O. Box 2124Charlottesville, VA 22902866.296.3743 sales434.977.1600434.977.4466 fax

Ahmedabad, IndiaSNL House5, Sunrise Park SocietyDrive-in Road, VastrapurAhmedabad: 380054+91 079 40207200

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New York, NYTrinity Centre115 Broadway, 16th FloorNew York, NY 10006212.364.7530 212.364.7566 fax

Richmond, VA140 East Shore Dr., Suite 100Glen Allen, VA 23060804.888.6805804.888.6806 fax

www.SNL.com

SNL Financial’s global reach spans 11 offices worldwide, with an ever-expandingworkforce of more than 1,400 employees.