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Money Fund Rates 7 day Yield as of 11/20/08 Reserve Insured Deposits 0.100 % Government Cash Series 0.620 % Municipal Cash Series 0.810 % Prime Cash Series 2.140 % Treasury Cash Series 0.050 %

Interest Rates Current Yield as of 11/20/08 30 year Treasury bond 4.21 % 1 year Treasury bill 0.88 % 90 day Treasury bill 0.84 %

Money Rates Current Yield as of 11/20/08 Prime Rate 4.00 % Federal Funds Rate 1.00 % Discount Rate 1.25 %

Stock & Option Indices as of 11/20/08   Close Change Dow Jones Industrial Average (DJIA) 7552.30 -445.0 Nasdaq Composite 1316.10 -70.3 S&P 500 Index (SPX) 752.44 -54.14 S&P 100 Index (OEX) 367.10 -25.13 Major Market Index (XMI) 859.23 -51.90

Commodities as of 11/20/08   Close Change Gold (London spot), troy oz. $ -24.00 Silver (London spot), troy oz. $ 8.98 -0.610 Oil (W. Tx. Int, crude), barrel $ 49.42 -4.68

Currency Rates Late NY as of 11/20/08 Australian Dollar (per US dollar) 1.622590 Brazilian Real (per US dollar) 2.395000 British Sterling (per US dollar) 0.677000 Chinese Renminbi (per US dollar) 6.834520 Canadian Dollar (per US dollar) 1.293100 Euro (per US dollar) 0.798590 Hong Kong Dollar (per US dollar) 7.750140 Japanese Yen (per US dollar) 94.993830 Korean Won (per US dollar) 1497.005990 Kuwaiti Dinar (per US dollar) 0.272300 Mexican Peso (per US dollar) 13.571840 Saudi Riyal (per US dollar) 3.750500 Singapore Dollar (per US dollar) 1.530400 Swiss Franc (per US dollar) 1.219400 Taiwanese Dollar (per US dollar) 33.395670 Venezuelan Bolivar (per US dollar) 2145.922750

TIAA-CREF Brokerage Services uses the Pershing Base Lending Rate. The Base Lending Rate will change without prior notice. When the Pershing Base Lending Rate changes during an interest period, interest will be calculated according to the number of days each rate was effective during that period. You will be provided 30 days advanced notice of any change to the schedule of charges other than that of the Base Lending Rate. There is no repayment schedule, but interest is posted to your account monthly and requests for additional margin may be made if market conditions warrant or otherwise at the discretion of TIAA-CREF Brokerage Services and/or its clearing agent Pershing per the terms of your Margin Agreement. This is neither an offer to sell nor a solicitation of an offer to buy any of these securities. This data appears for informational purposes only. Rates are obtained from sources believed to be reliable but are not guaranteed and may vary with market conditions.