Kroll Bond Ratings will make its research reports, including criteria and analysis, supporting its published, non-subscriber ratings available to every fixed income investor without charge. Kroll Bond Ratings will make its transaction analyses available on its website in a timely manner and will provide a forum to respond to investor questions. All ratings and analyses will be clear, transparent and usable for investors, thereby avoiding rating conclusions derived from a "black box." Kroll Bond Ratings will confirm that its analysis includes appropriate and professional due diligence as part of the rating process. All ratings will be subject to ongoing review throughout the life of the security or entity to ensure that the rating is accurate.