1. © UFS PlanSmart SM a financial education series for employees L1010135315[exp1011][All States][DC] © ‘10 PNTS

2. 2 PlanSmart SM Facing Significant Financial Challenges Employees: –45% are living paycheck-to-paycheck –26% report they’re on track to achieving financial goals –53% strongly concerned about outliving retirement money –59% of employees are extremely concerned about being able to afford healthcare in retirement –59% intend to delay retirement past age 65 due to financial situation Employers: –Controlling costs –Retaining employees –Increasing productivity & loyalty Source: 8 th Annual MetLife Study of Employee Benefits Trends, 2009

3. 3 PlanSmart SM Financial and retirement education is becoming an essential component of any employers comprehensive benefits package. –61% of employees say they are interested in their employers providing access to retirement planning workshops, but only 35% of employers report they currently offer this type of program 1 The news is that employees: –Look to the workplace for education and guidance –Are motivated to improve financial health –Value employer benefits What We Are Hearing 1 8 th Annual MetLife Study of Employee Benefits Trends, 2009

4. 4 PlanSmart SM Introducing PlanSmart SM PlanSmart SM is MetLife’s comprehensive, turn-key solution that provides the education employees both need and want –A range of financial and retirement education programs tailored to meet an employer’s needs –Objective information helps meet diverse needs of employees –Holistic approach connects workplace benefits with employees’ overall financial strategy –Consistent, national program with local representation –Ability to offer employees’ services that help them take action –Workshops offered at no additional cost Education is your employees’ greatest tool to making wise decisions regarding their financial well-being, now and into their future

5. 5 PlanSmart SM PlanSmart SM Elements PlanSmart SM offers a solid educational foundation with the opportunity to address employees’ specific individual goals –Combines on-site workshops with optional personal consultations and decision-support assistance Practical and straightforward information provided at on-site workshops FINANCIAL EDUCATION WORKSHOPS Financial professionals to help individuals through challenging situations DECISION-SUPPORT ASSISTANCE

6. 6 PlanSmart SM Financial Education Workshops retirewise ® –Series of 4 consecutive workshops –Offers comprehensive retirement education –For all employees — regardless of age Topical workshops –Suite of one hour workshops –Cover relevant topics identified to generate high interest Special Needs Planning –Workshops targeted toward employees with special needs dependents –Covers legal and financial complexities of special needs planning MetLife does not provide tax or legal advice. Consult your own advisor for guidance.

7. 7 PlanSmart SM Transition Solutions –Assistance for MetLife Group Life insurance employees affected by benefits changes –One-on-one support with important, time-sensitive benefit and financial decisions Delivering The Promise ® –Support for our MetLife Group Life insurance beneficiaries –Trained professionals to help sort through the details about claims and financial needs Decision-Support Assistance

8. 8 PlanSmart SM retirewise ® A retirement education series to help answer the big questions about retirement Provides knowledge and tools necessary to help make informed, financial decisions relative to planning for retirement –Four workshops offered at the workplace –Optional one-on-one meeting with specially trained MetLife representative Highlights Interactive; group participation Optional one-on-one available Resource workbook provided Broad range of content Personal aspirations and goals Value to Employer Helps employees better understand employer-provided benefits Demonstrates employer’s concern for employees’ well-being Easy to administer – marketing and registration support by MetLife Financial and health risks Government programs Income planning Estate planning Employer Benefits FINANCIAL EDUCATION WORKSHOPS

9. 9 PlanSmart SM Topical Workshops Ongoing educational workshops covering relevant topics for employees Allows access to a variety of one-hour workshops throughout the year - each targeting a different financial focus –Offered to all employees, in a group setting –Covers diverse range of topics to meet employees interest Highlights Value to Employer Objective education 5 workshops in 3 categories: – You and Your Family – Money and Investing – Preparing for Retirement Instructors are local financial professionals Offers a means to supplement 401(k) or 403(b) provider workshops Allows employer to offer something for every financial situation Easy to implement – MetLife provides marketing and registration support FINANCIAL EDUCATION WORKSHOPS

10. 10 PlanSmart SM Special Needs Planning Workshops The right solutions for challenges employees face Comprehensive planning assistance for employees with special needs dependents –Helps employees understand the legal and financial complexities of special needs planning –Offered to all employees who may be caring for someone with special needs Highlights Value to Employer No minimum attendance required Creates employee awareness of need to plan for dependents’ future care Provides information regarding protecting eligibility for government benefits Addresses available vehicles to fund special needs trusts Reviews choosing a trustee, guardian or conservator Offers an additional resource to assist employees Alleviates pressures of difficult planning decisions Can help minimize employees’ time away from the workplace FINANCIAL EDUCATION WORKSHOPS MetLife does not provide tax or legal advice. Consult your own advisor for guidance.

11. 11 PlanSmart SM Delivering The Promise ® Compassionate support when beneficiaries most need it A specialized network of highly qualified representatives* available to help beneficiaries –Provides beneficiaries with support and assistance at a difficult time. –Available to all beneficiaries of employees with MetLife Group Life insurance Highlights Value to Employer In-person and telephone support Assistance with filing life insurance claims and government benefits Help identifying local support resources - including grief counseling Help planning for current and future financial needs Offers an additional resource to assist employees’ beneficiaries Provides a valuable, personal service during an emotional time DECISION-SUPPORT ASSISTANCE * Delivering The Promise Specialists are financial services representatives of MetLife or New England Financial, a MetLife company.

12. 12 PlanSmart SM Transition Solutions Support for financial decisions after experiencing a change in benefits Provides the support employees need to make informed decisions upon a change in benefit status –Available to MetLife Group Life customers and their employees Highlights Value to Employer Dedicated support from a specially trained network of local financial service representatives - Life insurance, lump sum options, etc. Outreach to employees to help with decision making Written notification to employees standardized letters to employees Group workshops or individual consultations - Layoffs, mergers, acquisitions, benefit changes HR support for administering benefit changes Lightens administrative burdens DECISION-SUPPORT ASSISTANCE

13. 13 PlanSmart SM Leveraging Our Local Professionals Our financial professionals are all locally based Seminars provide employees with objective information designed to help aid their decision-making process as well as their transition into retirement Easy, convenient availability to discuss employees’ specific situations and financial concerns – now and over time 58% of employees would like their employer to provide access to financial planners to help them make decisions about financial needs. 1 1 8 th Annual MetLife Study of Employee Benefits Trends, 2009

14. 14 PlanSmart SM Why MetLife? MetLife’s PlanSmart SM financial education series for employees is different – Turn-key marketing, registration and implementation support – Regional PlanSmart SM director oversees program – Consistent delivery across sites – Specially-trained MetLife representatives – Thought leadership from MetLife’s Mature Market Institute MetLife can design the right program to help connect benefit offerings with employees’ overall financial needs We have more than 140 years of industry experience helping employees with their financial and retirement planning needs

15. 15 PlanSmart SM Disclosures Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this presentation is not intended to (and cannot) be used by anyone to avoid IRS penalties. This presentation supports the promotion and marketing of insurance and other financial products and services. You should seek advice based on your particular circumstances from an independent tax advisor. The tax information provided is based on MetLife’s understanding of the federal tax laws in effect as of the date of this document. Such laws are subject to legislative change and judicial and administrative interpretation. We are not authorized to practice law or to provide legal or accounting or tax advice. Before considering the application of this information to your own situation, you should consult our legal or tax advisor. Metropolitan Life Insurance Company (MLIC), 200 Park Avenue, New York, NY 10166. Securities offered by MetLife Securities Inc., (MSI) (member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.