Metlife

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/18287/Mypic~003.jpg" alt="Metlife" height="193" width="160" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> James Richmond </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Financial Services Representative<br>Registered Representative<br> Helping you chart your financial course. A practical approach to financial strategies for your life.</b> <br> <br>23 N. Derr Dr. Suite # 1 <br>Lewisburg, PA 17837 <br>Phone: 570-524-1008 <br>FAX: 570-524-6110 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email: <br> <a href="mailto:jrichmond@metlife.com"> jrichmond@metlife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <span style="font-size:9pt;"><p><span style="font-size: 9pt"><font face="Times new roman, times, serif"><font size="2"><strong>Welcome!<br /> </strong><br /> My mission is to help individuals develop financial objectives, and achieve those objectives through various financial products and investment services that are designed to meet their present and future needs.<br /> <br /> As a financial services representative, my goal is to help you make <strong>informed</strong> <strong>decisions</strong> about issues that affect your financial well being so you can achieve financial freedom. </font></font></span></p> <p><span style="font-size: 9pt"><font face="Times new roman, times, serif" size="2">I will work with you to help you decide what is important to you and your family. <strong>Together, </strong>we will work to create the solutions you need to achieve financial freedom.</font></span></p> <p><b><font size="2"><font face="Times New Roman"><span style="font-size: 9pt"><font size="2">You can count on me to be your guide and trusted Representative</font></span></font></font></b><font size="2"><font face="Times New Roman"><span style="font-size: 9pt"><font size="2"><br /> </font><br /> </span><strong>I am licensed and registered to offer products and services in the state of Pennsylvania. Please contact me at (570) 524-1008</strong></font><br /> </font></p></span> <br><br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [PA]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information. </font> <br><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="-2">L0110082693[exp0211][All States][DC]</font></div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/a/TA12_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/a/TA12_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/a/TA12_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=130" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Goals</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much do you need to save each year to meet your long-term financial goals?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=133" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Deferred Savings</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Compare the potential future value of tax-deferred investments to that of taxable investments.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=135" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Roth IRA Conversion</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator can help you determine whether you should consider converting to a Roth IRA.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=861" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Required Minimum Distributions</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/a/TA12_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1827" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - November 2009</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Information about Retirement, Long Term Care and the Mature Markets</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1888" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - December 2009</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Information about Retirement, Long Term Care and the Mature Markets</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1970" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Are You Making These Cash Mistakes?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> With interest rates at historic lows, what should you do with the money you save? </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1971" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Patching the Alternative Minimum Tax</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The future of the AMT is uncertain, yet it is important to consider the possible effects of the AMT on your tax situation. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <div class="flashBrandingElement" style="margin:3px 0 12px 4px;"> <script type="text/javascript"> AC_FL_RunContent('codebase','http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=7,0,19,0','width','215','height','130','src','/graphics/metlife-b-variableAnnuity','movie','/graphics/metlife-b-variableAnnuity','quality','high','wmode','transparent','pluginspage','http://www.macromedia.com/go/getflashplayer'); </script> <noscript> <object classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" width="215" height="130"> <param name="movie" value="/graphics/metlife-b-variableAnnuity.swf" /> <param name="quality" value="high" /> <param name="wmode" value="transparent" /> <embed src="/graphics/metlife-b-variableAnnuity.swf" wmode="transparent" quality="high" width="215" height="130" /> </object> </noscript> </div> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/a/TA12_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/a/TA12_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>February 09, 2010 @ 10:26 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,150.18</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 24.13</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,069.71</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 12.97</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=MET" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>MetLife</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 34.04</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.40</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/a/TA12_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/a/TA12_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/a/TA12_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/a/TA12_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/a/TA12_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=E&source=eseminar_hdr.cfm" target="_top"> <img src="/graphics/a/TA12_Eseminar_home.gif" width="211" height="56" border="0" alt="E-Seminars"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Animated presentations to help you learn and decide.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/a/TA12_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/a/TA12_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div align="center"><font face="Arial, Helvetica, sans-serif" size="1"> Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products offered by MetLife Securities, Inc. (MSI), Member <a href="http://www.finra.org" target="_blank">FINRA</a>/<a href="http://www.sipc.org" target="_blank">SIPC</a>. Investment advisory services offered by Investment Adviser Representatives of MSI, a Registered Investment Adviser. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. All companies listed above are MetLife companies. </font></div> </td></tr></table></div></body></html>