Credit Ratings

Japanese

Mitsui Sumitomo Insurance Group Holdings, Inc.

We have received no credit rating to date.

Mitsui Sumitomo Insurance Co., Ltd.

As of Mar.31, 2008

Rating Agency
Ratings Assigned
Rating Definitions
* Taken from respective homepages of agencies: refer to source for details
Category
Ratings
Financial Strength Rating / Counterparty Credit Rating (long-term)
AA
(AA): AN insurer rated ‘AA’ has very strong financial security characteristics, differing only slightly from those rated higher.
Counterparty Credit Rating (short-term)
A-1+
(A-1): A short-term obligation rated ‘a-1’ is rated in the highest category by Standard & Poor's. The obligor's capacity to meet its financial commitment on the obligation is strong. Within this category, certain obligations are designated with a plus sign (+). This indicates that the obligor's capacity to meet its financial commitment on these obligations is extremely strong.
Issuer Rating
AA
(AA): The credit quality is very high. It is also accompanied by excellent factors.
Insurance Financial Strength Rating Issuer Rating
Aa3
(Aa): Insurance companies rated Aa offer excellent financial security. Together with the Aaa group, they constitute what are generally known as high-grade companies. They are rated lower than Aaa companies because long-term risks appear somewhat larger.
Issuer Rating
Aa3
(Aa): The credit quality is high and it has extremely low credit risks.
Commercial Paper Rating
P-1
(P-1): Issuers (or supporting institutions) rated Prime-1 have a superior ability for repayment of senior short-term policyholder claims and obligations.
Long-term Senior Debts
AAA
(AAA): The highest level of capacity of the obligor to honor its financial commitment on the obligation.
Commercial Paper Program
J-1+
(J-1): The highest level of capacity of the obligor to honor its short-term financial commitment on the obligation. Within this rating category, obligations for which the capacity is particularly high are indicated by the symbol ‘J-1+.’
Financial Strength Rating
A+
(A+): Superior
Issuer Credit Rating
aa
(aa): Superior

Mitsui Sumitomo Kirameki Life Insurance Co., Ltd.

As of Mar.31, 2008

Rating Agency
Ratings Assigned
Rating Definitions
(* Extract from respective homepages of agencies: For detailed concept, please refer to the original information.)
Category
Ratings
Insurance Financial Strength Rating
AA
(AA): An insurer rated ‘AA’ has very strong financial security characteristics, differing only slightly from those rated higher.
Insurance Solvency Ratings
AA
(AA): The credit quality is very high. It is also accompanied by excellent factors.

Mitsui Sumitomo MetLife Insurance Co., Ltd.

As of Mar.31, 2008

Rating Agency
Ratings Assigned
Rating Definitions
(* Extract from respective homepages of agencies: For detailed concept, please refer to the original information.)
Category
Ratings
Insurance Financial Strength Rating
AA
(AA): An insurer rated ‘AA’ has very strong financial security characteristics, differing only slightly from those rated higher.
Issuer Rating
AA
(AA): The credit quality is very high. It is also accompanied by excellent factors.

Mitsui Direct General Insurance Co., Ltd.

As of today, it has not received credit ratings.

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