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County of Essex <br />Primary Credit Analyst: <br />Bhavini Patel, CFA Toronto (1) 415- 507 -2558, bhavini _patel @standardandpoors.com <br />Secondary Contact: <br />Stephen Ogilvie, Toronto (1) 415- 507 -2524, stephen_ogilvie@standardandpoors.com <br />Table of Contents <br />Major Rating Factors <br />Rationale <br />Outlook <br />Ontario Municipalities Benefit From A Well - Balanced And Predictable <br />Institutional Framework <br />A Less Diversified Economy Than That Of Peers <br />Adequate Budgetary Performance And Flexibility <br />Robust Liquidity And Moderate Debt Contribute To Strong Financial <br />Risk Profile <br />Related Criteria And Research <br />www. standardandpoors .conVratingsdirect <br />8888231300071004 <br />