SPC Bank of America Accelerated Return Note Linked TO The S&P 500 Index

NEW YORK, Nov. 25 /PRNewswire/ -- Standard and Poor's will make the following changes to the S&P MidCap 400 and S&P SmallCap 600 indices after the close of trading on Monday, December 1: -- S&P SmallCap 600 constituent Waste Connections Inc. (NYSE:WCN) will replace Philadelphia Consolidated Holding Corp. (NASDAQ:PHLY) in the S&P MidCap 400, and S&T Bancorp Inc. (NASDAQ:STBA) will replace Waste Connections in the S&P SmallCap 600. Philadelphia Consolidated Holding is being acquired by S&P Global 1200 constituent Tokio Marine Holdings Inc. in a transaction expected to be completed on or about that date, pending final approvals. -- Mettler-Toledo International Inc. (NYSE:MTD) will replace Borders Group, Inc. (NYSE:BGP) in the S&P MidCap 400. As of today's close of trading, Borders Group had a market capitalization of approximately $101 million, whereas the minimum market capitalization needed for admission to the S&P MidCap 400 index is currently $1 billion. -- Holly Corp. (NYSE:HOC) will replace LandAmerica Financial Group Inc. (NYSE:LFG), and Tompkins Financial Corporation (NYSE Alternext: TMP) will replace Spectrum Brands, Inc. (NYSE:SPC) in the S&P SmallCap 600. As of today's close, LandAmerica Financial and Spectrum Brands' market values ranked them 599th and 600th respectively in the index. Standard & Poor's will monitor these transactions, and post any relevant updates on its website: http://www.standardandpoors.com/. Waste Connections is an integrated solid waste services company. Headquartered in Folsom, CA, the company will be added to the S&P MidCap 400 GICS (Global Industry Classification Standard) Environmental & Facilities Services Sub-Industry index. S&T Bancorp is a financial services company. Headquartered in Indiana, PA, the company will be added to the S&P SmallCap 600 GICS Regional Banks Sub-Industry index. Mettler-Toledo is a supplier of precision instruments and services. Headquartered in Columbus, OH, the company will be added to the S&P MidCap 400 GICS Electronic Equipment & Instruments Sub-Industry index. Holly Corp. is an independent petroleum refiner and marketer. Headquartered in Dallas, TX, the company will be added to the S&P SmallCap 600 GICS Oil & Gas Refining & Marketing Sub-Industry index. Tompkins Financial is a financial services company. Headquartered in Ithaca, NY, the company will be added to the S&P SmallCap 600 GICS Regional Banks Sub-Industry index. Following is a summary of the changes: S&P MIDCAP 400 INDEX - December 1, 2008 GICS ECONOMIC COMPANY SECTOR GICS SUB-INDUSTRY ADDED Waste Connections Industrials Environmental & Facilities Services Mettler-Toledo Information Electronics Equipment & International Technology Instruments DELETED Philadelphia Financials Property & Casualty Consolidated Holding Insurance Borders Group Consumer Specialty Stores Discretionary S&P SMALLCAP 600 INDEX - December 1, 2008 COMPANY GICS ECONOMIC SECTOR GICS SUB-INDUSTRY ADDED S&T Bancorp Financials Regional Banks Holly Energy Oil & Gas Refining & Marketing Tompkins Financial Financials Regional Banks DELETED Waste Connections Industrials Environmental & Facilities Services LandAmerica Financial Financials Property & Casualty Group Insurance Spectrum Brands Consumer Staples Household Products Additions to and deletions from an S&P equity index do not in any way reflect an opinion on the investment merits of the companies concerned. About Standard & Poor's Index Services Standard & Poor's Index Services, the world's leading index provider, maintains a wide variety of investable and benchmark indices to meet an array of investor needs. Its family of indices includes the S&P 500, an index with $1.5 trillion invested and $4.85 trillion benchmarked, and the S&P Global 1200, a composite index comprised of seven regional and country headline indices. For more information, please visit http://www.standardandpoors.com/indices. About Standard & Poor's Standard & Poor's, a division of The McGraw-Hill Companies (NYSE:MHP), is the world's foremost provider of financial market intelligence, including independent credit ratings, indices, risk evaluation, investment research and data. With approximately 8,500 employees, including wholly owned affiliates, located in 23 countries and markets, Standard & Poor's is an essential part of the world's financial infrastructure and has played a leading role for more than 140 years in providing investors with the independent benchmarks they need to feel more confident about their investment and financial decisions. For more information, visit http://www.standardandpoors.com/. DATASOURCE: Standard & Poor's CONTACT: David M. Blitzer, Ph.D., Managing Director & Chairman of the Index Committee, Standard & Poor's, +1-212-438-3907 Web Site: http://www.standardandpoors.com/

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