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Please note that our offices generally are open during normal business hours of 8:00 am to 6:00 pm New York time. All communications—including via telephone, fax or e-mail—that require immediate response should be directed to us during those hours. Communications should be directed to the appropriate person or department. Please note that any trading or financing activity will be conducted during business hours according to stipulations of the governing agreement. Any quote information is not intended to be the final expression of the terms of any transaction, which are subject to change and availability without prior notice.

E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrive late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message which arise as a result of e-mail transmission. If verification is required please request a hard-copy version. This message is provided for informational purposes and should not be construed as a solicitation or offer to buy or sell any securities or related financial instruments. Annaly and its affiliates archive and routinely monitor all outgoing and incoming e-mail communications.

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