Headquartered in Radnor, PA, Essent Guaranty (main subsidiary of Essent Group Ltd: NYSE: ESNT) is a private mortgage insurer, approved by Fannie Mae and Freddie Mac and licensed in 50 states and the District of Columbia. Private mortgage insurance, also known as MI or private MI, protects lenders and mortgage investors against the possibility of loan default when borrowers make a down payment of less than 20 percent. Focused on managing risk and dedicated to serving as a strong and fair counterparty, Essent is a partner you can trust and rely on, now and for years to come. Essent Guaranty is rated BBB+ by Standard & Poor’s, A3 by Moody’s and A (Excellent) by A.M. Best.* *For more information about Standard & Poor’s ratings, go to spratings.com. Information about Moody’s Investors Service ratings is available at moodys.com. For information about A.M. Best Rating Services, go to ambest.com/home/ratings.aspx.