<H3>• U.S. Consumer Confidence — October 2015</H3>

“The Conference Board Consumer Confidence Index®, which had increased moderately in September, declined in October. The Index now stands at 97.6 (1985=100), down from 102.6 in September. The Present Situation Index decreased from 120.3 last month to 112.1 in October, while the Expectations Index edged down to 88.0 from 90.8 in September.

“’Consumer confidence declined in October, following September’s modest gain,’ said Lynn Franco, Director of Economic Indicators at The Conference Board. ‘Consumers were less positive in their assessment of present-day conditions, in particular the job market, and were moderately less optimistic about the short-term outlook. Despite the decline, consumers still rate current conditions favorably, but they do not anticipate the economy strengthening much in the near-term….’”

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