The following table provides the carrying value and the estimated fair value of financial instruments that are not reported at fair value.
All other financial instruments that are reported at fair value have been included above in the table with balances of assets and liabilities Ameriprise Financial measured at fair value on a recurring basis.
## Table 0 ##
Investments The fair value of commercial mortgage loans, except those with significant credit deterioration, is determined by discounting contractual cash flows using discount rates that reflect current pricing for loans with similar remaining maturities and characteristics including loan-to-value ratio, occupancy rate, refinance risk, debt-service coverage, location, and property condition.
For commercial mortgage loans with significant credit deterioration, fair value is determined using the same adjustments as above with an additional adjustment for the Company’s estimate of the amount recoverable on the loan.
The fair value of policy loans is determined using discounted cash flows.
Receivables The fair value of consumer bank loans is determined by discounting estimated cash flows and incorporating adjustments for prepayment, administration expenses, severity and credit loss estimates, with discount rates based on the Company’s estimate of current market conditions.
Loans held for sale are measured at the lower of cost or market and fair value is based on what secondary markets are currently offering for loans with similar characteristics.
Brokerage margin loans are measured at outstanding balances, which are a reasonable estimate of fair value because of the sufficiency of the collateral and short term nature of these loans.
Restricted and Segregated Cash Restricted and segregated cash is generally set aside for specific business transactions and restrictions are specific to the Company and do not transfer to third party market participants; therefore, the carrying amount is a reasonable estimate of fair value.
Amounts segregated under federal and other regulations may also reflect resale agreements and are measured at the cost at which the securities will be sold.
This measurement is a reasonable estimate of fair value because of the short time between entering into the transaction and its expected realization and the reduced risk of credit loss due to pledging U. S.  government-backed securities as collateral.
Other Investments and Assets Other investments and assets primarily consist of syndicated loans.
The fair value of syndicated loans is obtained from a nationally-recognized pricing service.
Future Policy Benefits and Claims The fair value of fixed annuities, in deferral status, is determined by discounting cash flows using a risk neutral discount rate with adjustments for profit margin, expense margin, early policy surrender behavior, a provision for adverse deviation from estimated early policy surrender behavior, and the Company’s nonperformance risk specific to these liabilities.
The fair value of other liabilities including non-life contingent fixed annuities in payout status, equity indexed annuity host contracts and the fixed portion of a small number of variable annuity contracts classified as investment contracts is determined in a similar manner.
The dividend yield assumption assumes the Company’s average dividend payout would continue with no changes.
The expected volatility for grants in 2010, 2009 and 2008 was based on the Company’s implied volatility and the Company’s historical stock volatility.
The expected volatility for grants in 2008 also considered historical volatilities experienced by a peer group of companies.
The risk-free interest rate for periods within the expected option life is based on the U. S.  Treasury yield curve at the grant date.
The expected life of the option is based on the Company’s past experience.
The weighted average grant date fair value for options granted during 2010, 2009 and 2008 was $15.89, $8.93 and $14.00, respectively.
A summary of the Company’s stock option activity for 2010 is presented below (shares and intrinsic value in millions):
## Table 1 ##
The intrinsic value of a stock option is the amount by which the fair value of the underlying stock exceeds the exercise price of the option.
The total intrinsic value of options exercised was $70 million, $2 million and $5 million during the years ended December 31, 2010, 2009 and 2008, respectively.
Restricted Stock Awards Restricted stock awards generally vest ratably over three to four years or at the end of five years.
Vesting of restricted stock awards may be accelerated based on age and length of service.
Compensation expense for restricted stock awards is based on the market price of Ameriprise Financial stock on the date of grant and is amortized on a straight-line basis over the vesting period.
Quarterly dividends are paid on restricted stock, as declared by the Company’s Board of Directors, during the vesting period and are not subject to forfeiture.
Certain advisors receive a portion of their compensation in the form of restricted stock awards which are subject to forfeiture based on future service requirements.
A summary of the Company’s restricted stock award activity for 2010 is presented below (shares in millions):
## Table 2 ##
The fair value of restricted stock awards vested during the years ended December 31, 2010, 2009 and 2008 was $42 million, $27 million and $59 million, respectively.
Restricted Stock Units The 2005 ICP provides for the grant of deferred share units to non-employee directors of the Company and restricted stock units to employees.
The director awards are fully vested upon issuance.
The deferred share units are settled for Ameriprise Financial common stock upon the director’s termination of service.
The employee awards generally vest ratably over three to four years.
Compensation expense for deferred share units and restricted stock units is based on the market price of Ameriprise Financial stock on the date of grant.
Restricted stock units granted to employees are amortized on a straight-line basis over the vesting period or accelerated basis due to retirement eligibility.
Deferred share units granted to non-employee directors are expensed immediately.
Restricted stock units include units awarded under the DCP.
As of December 31, 2010, there were approximately 1.4 million units outstanding of restricted stock units, including deferred share units, of which approximately 1.1 million units were fully vested.
Shareholder Return Performance The line graph below compares the annual percentage change in Ball Corporation’s cumulative total shareholder return on its common stock with the cumulative total return of the Dow Jones Containers & Packaging Index and the S&P Composite 500 Stock Index for the five-year period ended December 31, 2010.
It assumes $100 was invested on December 31, 2005, and that all dividends were reinvested.
The Dow Jones Containers & Packaging Index total return has been weighted by market capitalization.
## Table 3 ##
Copyright?2011 Standard & Poor's, a division of The McGraw-Hill Companies Inc.  All rights reserved.
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<table><tr><td> </td><td colspan="4">December 31,</td></tr><tr><td> </td><td colspan="2">2010 </td><td colspan="2">2009 </td></tr><tr><td> </td><td>Carrying Value </td><td>Fair Value </td><td>Carrying Value </td><td>Fair Value </td></tr><tr><td> </td><td colspan="2">(in millions) </td><td colspan="2">(in millions) </td></tr><tr><td> Financial Assets</td><td></td><td></td><td></td><td></td></tr><tr><td>Commercial mortgage loans, net</td><td>$2,577</td><td>$2,671</td><td>$2,663</td><td>$2,652</td></tr><tr><td>Policy loans</td><td>733</td><td>808</td><td>720</td><td>795</td></tr><tr><td>Receivables</td><td>1,870</td><td>1,584</td><td>1,387</td><td>1,055</td></tr><tr><td>Restricted and segregated cash</td><td>1,516</td><td>1,516</td><td>1,452</td><td>1,452</td></tr><tr><td>Other investments and assets</td><td>331</td><td>338</td><td>439</td><td>442</td></tr><tr><td> Financial Liabilities</td><td></td><td></td><td></td><td></td></tr><tr><td>Future policy benefits and claims</td><td>$15,328</td><td>$15,768</td><td>$15,540</td><td>$15,657</td></tr><tr><td>Investment certificate reserves</td><td>3,127</td><td>3,129</td><td>4,050</td><td>4,053</td></tr><tr><td>Banking and brokerage customer deposits</td><td>5,638</td><td>5,642</td><td>4,478</td><td>4,478</td></tr><tr><td>Separate account liabilities</td><td>4,930</td><td>4,930</td><td>4,268</td><td>4,268</td></tr><tr><td>Debt and other liabilities</td><td>2,710</td><td>2,907</td><td>1,985</td><td>2,027</td></tr></table>
<table><tr><td></td><td>Shares</td><td>Weighted AverageExercise Price</td><td>Weighted AverageRemainingContractual Term(Years)</td><td>AggregateIntrinsic Value</td></tr><tr><td>Outstanding at January 1</td><td>21.1</td><td>$34.55</td><td>6.7</td><td>$169</td></tr><tr><td>Granted</td><td>2.7</td><td>39.21</td><td></td><td></td></tr><tr><td>Exercised</td><td>-3.8</td><td>30.03</td><td></td><td></td></tr><tr><td>Forfeited</td><td>-0.6</td><td>38.04</td><td></td><td></td></tr><tr><td>Outstanding at December 31</td><td>19.4</td><td>35.96</td><td>6.7</td><td>423</td></tr><tr><td>Exercisable at December 31</td><td>10.6</td><td>41.48</td><td>5.3</td><td>172</td></tr></table>
<table><tr><td></td><td>Shares</td><td>Weighted AverageGrant-dateFair Value</td></tr><tr><td>Non-vested shares at January 1</td><td>4.0</td><td>$33.00</td></tr><tr><td>Granted</td><td>0.8</td><td>39.52</td></tr><tr><td>Vested</td><td>-1.0</td><td>44.32</td></tr><tr><td>Forfeited</td><td>-0.2</td><td>34.87</td></tr><tr><td>Non-vested shares at December 31</td><td>3.6</td><td>31.08</td></tr></table>
<table><tr><td></td><td>12/31/05</td><td>12/31/06</td><td>12/31/07</td><td>12/31/08</td><td>12/31/09</td><td>12/31/10</td></tr><tr><td>Ball Corporation</td><td>$100.00</td><td>$110.86</td><td>$115.36</td><td>$107.58</td><td>$134.96</td><td>$178.93</td></tr><tr><td>DJ Containers & Packaging Index</td><td>$100.00</td><td>$112.09</td><td>$119.63</td><td>$75.00</td><td>$105.34</td><td>$123.56</td></tr><tr><td>S&P 500 Index</td><td>$100.00</td><td>$115.80</td><td>$122.16</td><td>$76.96</td><td>$97.33</td><td>$111.99</td></tr><tr><td>Copyright© 2011 Standard & Poor’s, a division of The McGraw-Hill Companies Inc. All rights reserved. (www.researchdatagroup.com/S&P.htm)</td></tr><tr><td>Copyright© 2011 Dow Jones & Company. All rights reserved.</td></tr></table>

Question: Which year is growing rate of carrying value of Commercial mortgage loans, net in financial assets the least ?