DCX Strategic Accel Redemption Sec

A.M. Best Co. has affirmed the financial strength rating of A (Excellent) and assigned issuer credit ratings of �a� to DaimlerChrysler Group (Farmington Hills, MI) and its member, DaimlerChrysler Insurance Company. The outlook for both ratings is stable. This rating is based on the consolidated operating results of DaimlerChrysler Insurance Company and its branch company, DaimlerChrysler Insurance Company CAB. The rating reflects the group�s solid capitalization and its affiliation with DaimlerChrysler AG [NYSE: DCX], one of the world�s leading automotive corporations. The rating further acknowledges the group�s historically favorable operating results that are derived from its underwriting expertise, loss prevention measures and effective low cost distribution systems. These strengths are partially offset by DaimlerChrysler Group�s fluctuating underwriting results under shifting loss experience and premium volume. The group�s limited product offering subjects it to volatility in underwriting results due to weather-related events. Going forward, management has no plans to shift its product line offering, which should stabilize premium volume. While underwriting results may continue to be impacted due to storm-related losses, management has increased its catastrophic loss limits, which it believes will protect overall surplus levels. Although surplus has fluctuated over a five-year period (largely due to stockholder dividends), management is committed to maintaining excellent capitalization levels. DaimlerChrysler Group benefits from its parent�s well-diversified auto dealer network that provides it with a highly effective distribution system, strong operating synergies, market opportunities and strategic value. The group�s sustainable competitive market position is further enhanced by its high dealer persistency, extensive geographic spread of risk and solid product knowledge within its specialty niche market. The rating also recognizes management�s initiatives to improve underwriting results and reverse prior year unfavorable earnings trends through exiting unprofitable books of business, implementing rate increases and higher deductibles, and tightening underwriting guidelines. Over a five-year period, underwriting results have generally improved, although storm losses have impacted results. For Best�s Ratings, an overview of the rating process and rating methodologies, please visit www.ambest.com/ratings. Founded in 1899, A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors. For more information, visit www.ambest.com.