Jim Tyrpak www.dktfinancial.com

<body> </head> <body text="#000000" link="#000000" vlink="#000000" alink="#000000" bgcolor="#FFFFFF" leftmargin="0" topmargin="0"> <table border="0" cellpadding="2" width="100%" cellspacing="0"> <tr> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1354" target="_top"> <img src="/graphics/tsr08031.gif" border="0" width="120" height="50" alt="Should Your Portfolio Have a Conscience?" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Should Your Portfolio Have a Conscience?</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1305" target="_top"> <img src="/graphics/tsr07121.gif" border="0" width="120" height="50" alt="Life Insurance Goes to College" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Life Insurance Goes to College</strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1464" target="_top"> <img src="/graphics/tsr08105.gif" border="0" width="120" height="50" alt="Should You Found a Foundation? " vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Should You Found a Foundation? </strong> </font> <br><br> </a> </td> </tr> </table> </td> <td align="center" valign="top" width="25%"> <table width="120" border="0"> <tr> <td align="center" style="text-align=center; color=#000000; font=bold 14px Arial, Helvetica, sans-serif;"> <a style="text-decoration:none" href="newsletters.cfm?ID=1323" target="_top"> <img src="/graphics/tsr08016.gif" border="0" width="120" height="50" alt="Inflation Could Make a Comeback" vspace="4"><br> <font face="Arial, Helvetica, sans-serif" size="2" color="#000000"> <strong>Inflation Could Make a Comeback</strong> </font> <br><br> </a> </td> </tr> </table> </td> </tr> </table> <table width="100%" border="0" height="196" cellpadding="0" cellspacing="0" align="center"> <tr> <td align="center" width="50%" valign="top"> <table border="0" align="center" width="301" height="196" background="/graphics/6/T10Calcbox.gif"> <tr> <td align="left" valign="top"> <span style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> <img src="/graphics/spacer.gif" height="41" width="1"> <br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=137" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Impact of Inflation</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=700" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Disability Income Insurance</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=123" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Life Insurance</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm?ID=125" target="_top"> <font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;">Cash Flow Analysis</font></a> <br><br> <img src="/graphics/spacer.gif" align="left" height="1" width="68"> <a style="text-decoration:none" href="calculators.cfm" target="_top"><font style="color:#000000; font:bold 10pt Arial, Helvetica, sans-serif;"> More Financial Calculators...</font></a> </span> </td> </tr> </table> </td> <td align="center" valign="middle"> <table border="0" cellpadding="0" cellspacing="0"><tr> <td width="16" height="16"><img src="/graphics/q1.gif" width="16" height="16"></td> <td height="16"background="/graphics/q2.gif"> <img src="/graphics/q2.gif" width="1" height="16"></td> <td width="24" height="16"><img src="/graphics/q3.gif" width="24" height="16"></td> </tr><tr> <td width="16" background="/graphics/q4.gif"> <img src="/graphics/q4.gif" width="16" height="1"></td> <td align="center" valign="middle"><table bgcolor="#DCDCDC" align="center" border="0" cellpadding="0" cellspacing="0"> <tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <font size="2"><strong>Market Watch</strong></font> - November 21, 2008 @ 06:11 AM<br><br> </font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$INDU" target="mondo"><font color="#000000"><strong>Dow Jones Industrials</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 7,552.29</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 444.99</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$COMPQ" target="mondo"><font color="#000000"><strong>Nasdaq Composite</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,316.12</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 70.30</strong></font></td></tr> <tr><td align="right"><font face="Arial, Helvetica, sans-serif" size="-2" color="#000000"> <a style="text-decoration:none" href="quotes.cfm?symbol=$SPX" target="mondo"><font color="#000000"><strong>S&P 500</strong></font></a> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 752.44</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 54.14</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="lower"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-1"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td><td width="24" background="/graphics/q5.gif"> <img src="/graphics/q5.gif" width="24" height="1"></td> </tr><tr> <td width="16" height="24"><img src="/graphics/q6.gif" width="16" height="24"></td> <td height="24" background="/graphics/q7.gif"> <img src="/graphics/q7.gif" width="1" height="24"></td> <td width="24" height="24"><img src="/graphics/q8.gif" width="24" height="24"></td> </tr></table> </td> </tr> <tr><td align="center" colspan="3"><font color="#000000" face="Arial, Helvetica, sans-serif" size="-2"><br><p> </p> <p align="center"><font face="times new roman"><font size="2"><font color="#808080"><font size="1">Desmon Kohnstamm & Tyrpak, Inc. - branch address 6622 Main Street, Suite 6, Williamsville, NY 14221 - Securities and Investment Advisory Services offered through </font><strong><font size="2">ING Financial Partners, Inc.</font></strong><font size="1"> Member <a target="_blank" href="http://www.sipc.org" onclick=javascript:open_window('INGdisclaimer.html') target=_blank>SIPC</a> with James J. Tyrpak as Registered Principal and Donald M. Kohnstamm as Registered Representative in the states of Arizona, California, Colorado, Florida, Georgia, New Jersey, New York, Ohio, Oklahoma, South Carolina, Texas and Virginia.</font></font></font></font><font face="times new roman"><font size="2"><font size="1"><br /> <font color="#808080">As Registered Principal and Registered Representative, they do not endorse or independently verify any information or opinions about specific securities on linked sites. ING Financial Partners, Inc. is not an affiliated company</font></font><br /> <br /> <font color="#808080" size="1">Licensed for life and health insurance in the states of Arizona, California, Florida, New Jersey, New York, Pennsylvania and Virginia.</font></font><br /> </font></p></font></td></tr></table> <table width="100%" align="center" border="0" cellpadding="4" cellspacing="0"><tr><td align="center"> <div align="center"><font face="Arial, Helvetica, sans-serif"><font size="2"><br>[ <a style="text-decoration:none" href="research.cfm" target="_top">Articles</a> | <a style="text-decoration:none" href="calculators.cfm" target="_top">Calculators</a> | <a style="text-decoration:none" href="newsletters.cfm" target="_top">Newsletters</a> | <a style="text-decoration:none" href="quotes.cfm" target="mondo">Quotes</a> | <a href="https://www.emeraldsecure.com/contact_form.cfm?SSLID=2150&SN=263905168" onclick="javascript:infobox('https://www.emeraldsecure.com/contact_form.cfm?SSLID=2150&SN=263905168','680','550'); return false;" target="_blank" style="text-decoration:none">Contact Us</a> ] </font></td></tr> <tr><td align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <a style="text-decoration:none" href="copyright.html" onclick="javascript:infobox('copyright.html','400','335'); return false;" target="_blank"> Copyright 2008 by Emerald Publications.</a><br> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1">Securities and investment advisory services offered through ING Financial Partners, Inc., member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>. </p> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1"> [ <a href="/files/INGFP_Online_Privacy_Policy.pdf" target="_blank">Online Privacy Policy</a> | <a href="/files/INGFP_Important_Disclosures.pdf" target="_blank">Important Disclosures</a> | <a href="/files/IFP_Privacy_Promise.pdf" target="_blank">Privacy Promise</a> | <a href="https://www.orderroutingdisclosure.com/orderrouting/jsp/main/NYSE.jsp?CorrName=ING%20FINANCIAL%20PARTNERS%20INC" target="_blank">Order Routing Disclosure</a> ]</p> <br /><br /> </font></td></tr></table></div></body></html>