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1. Hello, my name is [Presenter’s Name]. I am the MetLife Resources Financial Services Representative (FSR). We’re all very happy to be here and to bring you some good news about the [Plan Name]. This presentation is meant to provide you with a general overview of the plan. This overview covers certain key features of the plan. In general, if any conflict occurs between this material and the plan documents that define this plan, the plan documents will govern. [Employer Name] has reviewed and approved this presentation. Hello, my name is [Presenter’s Name]. I am the MetLife Resources Financial Services Representative (FSR). We’re all very happy to be here and to bring you some good news about the [Plan Name]. This presentation is meant to provide you with a general overview of the plan. This overview covers certain key features of the plan. In general, if any conflict occurs between this material and the plan documents that define this plan, the plan documents will govern. [Employer Name] has reviewed and approved this presentation.

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4. CRSP Plan Features Eligibility Must Work for a Participating Employer Scheduled to Work More than 20 hours / week AND 5 Consecutive Months Per Year Participation You Must Enroll and Complete a Salary Reduction Agreement You May Join The First Day of the Month Following Employment (or probationary period) At Any Time, Thereafter (on 1st of month)

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10. Fixed Interest Account Ticker MetLife Guaranteed Asset Account* N/A Bond Funds   PIMCO Real Return Fund -R PRRRX PIMCO Total Return Fund -R PTRRX Balanced Funds   American Funds Income Fund R3 RIDCX Large Cap Funds   American Funds Growth Fund R3 RGACX Davis New York Venture Fund NYVTX Gartmore S & P 500 Index Fund A GRMAX T. Rowe Price Equity Income Fund -Adv PAFDX Mid Cap Funds  First Eagle Fund of America A FEFAX Rainier Small/Mid Cap Equity Fund RIMSX Small Cap Funds   Royce Total Return -Financial Interm RYTFX International Funds   American Funds EuroPacific R3 RERCX

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12. If you opt-out of ProManage, you must select your own investment funds. You will have an opportunity to select automatic Rebalancing. Dollar-cost-averaging… If you opt-out of ProManage, you must select your own investment funds. You will have an opportunity to select automatic Rebalancing. Dollar-cost-averaging…

13. ProManage PROgram For you if you don’t have time, knowledge or desire to make own investment decisions Professional investment management service No minimum balance If you know you should save for retirement, but, like many people, you have little time or interest in building and monitoring your own retirement portfolio, then you may want to consider the ProManage PROgramTM--the effortless, automatic way to invest. This [optional] service offered by your retirement plan is for you if you’re too busy with work, family and friends to manage your retirement account. With the ProManage PROgram, you can live your life, while investment professionals manage your retirement portfolio. There is no minimum balance to participate in the ProManage PROgram.If you know you should save for retirement, but, like many people, you have little time or interest in building and monitoring your own retirement portfolio, then you may want to consider the ProManage PROgramTM--the effortless, automatic way to invest. This [optional] service offered by your retirement plan is for you if you’re too busy with work, family and friends to manage your retirement account. With the ProManage PROgram, you can live your life, while investment professionals manage your retirement portfolio. There is no minimum balance to participate in the ProManage PROgram.

14. ProManage PROgram Creates customized asset allocation model based on your age, account balances and present value of anticipated Social Security* Recalculates and rebalances annually* Fee deducted quarterly from account balance** Easy enrollment The ProManage PROgram uses your plan’s funding options and its own asset allocation models to develop a personalized asset allocation portfolio for you. ProManage takes into account your age, account balances, the present value of your anticipated Social Security benefit and the present value of your accrued defined benefit pension in[plan sponsor defined benefit plan name]. (ProManage does not take into account other retirement income sources, such as your spouse’s assets or your assets held outside of the plan.) Each year, your asset allocation will be recalculated and automatically adjusted for any changes in those factors I mentioned above. Your account also will be automatically rebalanced at least annually. With ProManage, you receive professional money management for a minimal cost. The annual fee is 32 basis points on all assets in the ProManage PROgram. This fee is prorated and deducted monthly from your account. For example, if your account is $10,000, your fee will not be more than $2.67 per month. [To enroll, simply elect the ProManage option on your enrollment form. OR You will automatically be enrolled in ProManage, unless you elect not to on the enrollment form.]The ProManage PROgram uses your plan’s funding options and its own asset allocation models to develop a personalized asset allocation portfolio for you. ProManage takes into account your age, account balances, the present value of your anticipated Social Security benefit and the present value of your accrued defined benefit pension in[plan sponsor defined benefit plan name]. (ProManage does not take into account other retirement income sources, such as your spouse’s assets or your assets held outside of the plan.) Each year, your asset allocation will be recalculated and automatically adjusted for any changes in those factors I mentioned above. Your account also will be automatically rebalanced at least annually. With ProManage, you receive professional money management for a minimal cost. The annual fee is 32 basis points on all assets in the ProManage PROgram. This fee is prorated and deducted monthly from your account. For example, if your account is $10,000, your fee will not be more than $2.67 per month. [To enroll, simply elect the ProManage option on your enrollment form. OR You will automatically be enrolled in ProManage, unless you elect not to on the enrollment form.]

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20. Enroll View and Update Beneficiaries Individual Rate of Return to track your individual performance Monthly Fund performance, Fund Fact Sheets and Prospectuses Paycheck calculator

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26. Hello, my name is [Presenter’s Name]. I am the MetLife Resources Financial Services Representative (FSR). We’re all very happy to be here and to bring you some good news about the [Plan Name]. This presentation is meant to provide you with a general overview of the plan. This overview covers certain key features of the plan. In general, if any conflict occurs between this material and the plan documents that define this plan, the plan documents will govern. [Employer Name] has reviewed and approved this presentation. Hello, my name is [Presenter’s Name]. I am the MetLife Resources Financial Services Representative (FSR). We’re all very happy to be here and to bring you some good news about the [Plan Name]. This presentation is meant to provide you with a general overview of the plan. This overview covers certain key features of the plan. In general, if any conflict occurs between this material and the plan documents that define this plan, the plan documents will govern. [Employer Name] has reviewed and approved this presentation.