Metlife

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <a href="index.cfm?type=Q&source=quote_forms.cfm" target="_top"><img src="/graphics/Get-Quote-tab3.jpg" height="100" width="225" border="0"></a> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr><td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/Z/TB12_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/Z/TB12_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>December 01, 2008 @ 12:17 PM</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=$COMPQ" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,448.65</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 86.92</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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="#B00000"> <strong> 846.41</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 49.83</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=$RUT" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 442.93</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 30.21</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NYA" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 5,280.74</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 318.56</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="#B00000"> <strong>26</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 2.76</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/Z/TB12_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/Z/TB12_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/Z/TB12_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/Z/TB12_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/Z/TB12_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/Z/TB12_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/Z/TB12_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/Z/TB12_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> <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/9689/regina's%20photo~001.jpg" alt="Metlife" height="180" width="144" border="0"> </td><td><img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" BORDER="0"></td><td align="left" valign="middle" width="99%"><font face="Arial, Helvetica, sans-serif" size="3"> <b>Your Financial Security Is My Mission</b></font><br><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>Regina Lau <br> Financial Services Representative <br> CA Insurance License # 0C73544</b><br><br>7677 Oakport Street, Suite 820<br>Oakland, CA 94621<br>Phone: 510-343-8153<br>FAX: 510-567-8409<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email: </font></td><td valign="top"> <font SIZE="2" FACE="Arial, Helvetica, sans-serif"><a href="mailto:rlau@metlife.com">rlau@metlife.com</a><br></font></td></tr></table> </font></td> </td></tr> <tr> <td colspan="3" valign="top" width="384"><font face="Arial, Helvetica, sans-serif" size="1"> <span style="font-size=9pt;"><p>Welcome and thank you for visiting!<br /> <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 /> My goal is to help you make informed decisions about issues that affect your financial well being so you can achieve financial freedom.<br /> <br /> I hope you find this site informative and useful. Feel free to contact me if you would like more information about a particular MetLife product or service.<br /> <br /> I look forward to hearing from you.</p> <p> </p> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">formats1='(\\+\\d{1,3} ?)(\\(\\d{1,5}\\)|\\d{1,5}) ?\\d{1,6} ?\\d{0,7} ?\\d{0,5} ?\\d{0,5}'</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">formats2='(?:\\+? ?[01] ?-?\\.?)?\\(?\\d{3}\\)?\\·?-?\\.? ?\\d{3}-?\\.?\\·? ?\\d{4}'</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">dialPath='C:/Program Files/Avaya/Avaya IP Softphone/'</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">var ecNumStr='';function captureMouseClick(e){sel=event.srcElement;if(sel.className=="clickableSpan"){val=ReturnValidNumber(sel.innerText);if(val){dial(val);}ecNumStr='';}}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function captureMouseOverOut(e){sel=event.srcElement;if(sel.className=="clickableSpan"){status="Click to dial using Avaya IP SoftPhone";document.body.style.cursor='hand';}else{document.body.style.cursor="";status="";}}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">document.attachEvent("onclick",captureMouseClick);document.attachEvent("onmouseover", captureMouseOverOut);document.attachEvent("onmouseout", captureMouseOverOut);</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function mainFuncFN(){parsePhoneNums();return;}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function parsePhoneNums(){var formats=new Array;formats[0]=RegExp(formats1,"gi");formats[1]=RegExp(formats2,"gi");for(var nof=0;nof<2;nof++){if(document.body.createTextRange==null)return;var brng=document.body.createTextRange();var drng=brng.duplicate();bodytext=brng.text;var numbers=bodytext.match(formats[nof]);if(numbers==null);else{for(var i=0;i<numbers.length;i++){flag=0;if(ReturnValidNumber1(numbers[i])==-1)continue;if(!drng.findText(numbers[i]))continue;if(check_valid_range(drng) == -1) flag = 1;brng.setEndPoint("StartToEnd",drng);if(flag == 0)assignContextMenu(drng);drng=brng.duplicate();}}}}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function assignContextMenu(rng){if (rng.parentElement().tagName=='SPAN'){if(rng.parentElement().className=='clickableSpan')return;}if((val2=rng.execCommand("BackColor",0,"YELLOW"))==false)return;fnspan=document.createElement('span');rng.parentElement().appendChild(fnspan);fnspan.className='clickableSpan';fnspan.innerText=rng.text;rng.text="";}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function ReturnValidNumber(inStr){var retnum="";var digits="0123456789";var others=".()-+ ·";var others2=".()-+ ";var others1=" ";var i=0;for(i=0;i<inStr.length;i++){var c=inStr.charAt(i);if(digits.indexOf(c)==-1&&others.indexOf(c)==-1)return -1;if(digits.indexOf(c)!=-1||others.indexOf(c)!=-1){retnum+=c;}}return retnum;}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function ReturnValidNumber1(inStr){var retnum="";var digits="0123456789";var others=".()-+ ·";var alpha="ABCDEFGHIJKLMNOPQRSTUVWXYZ";var i=0;for(i=0;i<inStr.length;i++){var c=inStr.charAt(i);if(digits.indexOf(c)==-1&&others.indexOf(c)==-1&&alpha.indexOf(c)==-1)return -1;if(digits.indexOf(c)!=-1){retnum+=c;}if(alpha.indexOf(c)!=-1){ retnum+=c;}}if(retnum.length<9){return -1;}if(retnum.length>16){return -1;}return retnum;}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function check_valid_range(rng) {rng1 = rng.duplicate();rng1.moveStart("character",-1);length_orig= rng.text.length;length_1 = rng1.text.length;if(length_orig == (length_1 -1)){inStr = rng1.text; var digits = "0123456789";var alpha = "ABCDEFGHIJKLMNOPQRSTUVWXYZ";var c1 = inStr.charAt(0);if ((digits.indexOf(c1) != -1) )return -1;if((alpha.indexOf(c1) != -1))return -1;}rng1.moveEnd("character",1);length_2 = rng1.text.length;if(length_1 == (length_2 -1)){inStr = rng1.text;var digits1 = "0123456789-";var alpha = "ABCDEFGHIJKLMNOPQRSTUVWXYZ";var c2 = inStr.charAt(length_2 -1);if( (alpha.indexOf(c2) != -1))return -1;if((digits1.indexOf(c2) != -1))return -1;}return 1;}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">function dial(telephoneNumber){if(telephoneNumber==null)return;if(telephoneNumber.length<2)return;if(telephoneNumber.length>50){number1=telephoneNumber.slice(0,50);window.location="phone://"+number1;}else window.location="phone://"+telephoneNumber;}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">document.onmouseup=mouseup;function mouseup(){ xE=document.selection.createRange();here=xE.duplicate();here.collapse();etype='mouse';try{top.select=(xE.text).slice(0);}catch(e){;}}</script> <span style="DISPLAY: none">h</span> <script language="JavaScript" defer="defer" type="text/javascript">mainFuncFN()</script></span> <br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [CA, FL, MS]. 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">L03082010[exp0609]</font></div> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/Z/TB12_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/Z/TB12_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/Z/TB12_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=131" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Savings Accumulation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future value of your current savings.</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=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/Z/TB12_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1319" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Happy Birthdays?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The road to retirement winds through several birthdays that affect most Americans’ retirement benefits and tax circumstances.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1337" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - January 2008</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=1391" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">No Better Time Than Now</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> You may not associate this time of year with reviewing the beneficiaries on your life insurance policy — nonetheless, it can be a good time to take this important step.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1404" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Take It Year by Year</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The Federal Reserve has been cutting interest rates fast and deep. Although not all consumer rates are directly affected by the cuts, they highlight turmoil in the credit markets, rising inflation, and the possibility of slower economic growth. </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> </tr> <tr><td colspan="3"><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <img src="/graphics/metlife_logo.gif" width="81" height="20"><br /> Metropolitan Life Insurance Company (MLIC). 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>. <br />MLIC and MSI are affiliates, both of 200 Park Avenue, New York, NY 10166. <br />Investment advisory services offered by Investment Adviser Representatives of MetLife Securities, Inc., a Registered Investment Adviser. <br />Copyright 2008, Metropolitan Life Insurance Company. All Rights Reserved. <br /><img src="/graphics/schultz.gif" width="40" height="14"> PEANUTS© United Feature Syndicate, Inc. <br /><a href="http://www.metlife.com/Applications/Corporate/WPS/CDA/PageGenerator/0,1674,P555,00.html" target="_blank">Privacy Policy</a> <br /><a href="http://www.metlife.com/Applications/Corporate/WPS/CDA/PageGenerator/0,1674,P581,00.html" target="_blank">Legal Notices</a> <br /></font></div></td></tr></table></div></body></html>