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This document is for information only and for the use of the recipient. The ratings have been arrived by virtue of information supplied by applicants of which the accuracy and completeness are the sole responsibility of the applicants. These ratings do not constitute a recommendation to acquire, dispose of, or hold on to any debt instrument issued by virtue of, or related with, these ratings so that PEFINDO shall not liable for any damages/losses arising from, or related to, the utilization of these ratings does not advise nor give any option that any document issued by virtue of, or related to, these ratings are enforceable in accordance with its terms.