UnumProvident Finance Company plc—-- “bbb” on $400 million ($296.5 million outstanding) 6.85% senior unsecured debentures, due 2015 (fully and unconditionally guaranteed by Unum Group) Provident Financing Trust I— -- “bb+” on $300 million ($226.5 million outstanding) 7.405% capital securities, due 2038 The following indicative debt ratings under shelf registration have been affirmed: Unum Group— -- “bbb” on senior unsecured -- “bbb-” on subordinated -- “bb+” on preferred stock UnumProvident Financing Trust II and III— -- “bb+” on preferred securities The methodology used in determining these ratings is Best’s Credit Rating Methodology, which provides a comprehensive explanation of A.M. Best’s rating process and contains the different rating criteria employed in the rating process. Best’s Credit Rating Methodology can be found at www.ambest.com/ratings/methodology. Founded in 1899, A.M. Best Company is the world's oldest and most authoritative insurance rating and information source. For more information, visit www.ambest.com. Copyright © 2013 by A.M. Best Company, Inc. ALL RIGHTS RESERVED.