1. Managing Credit & Debt Save more for the future

2. Getting and Staying Out of Debt The more you know about credit and how to manage it, the easier it is to stay out of debt.

3. TransUnion Equifax Experian Knowing the Score www.annualcreditreport.com

4. Pay at least the minimum due on time every month The fewer accounts, the better Don’t spend income now that you hope to make later Avoid transferring balances unless you’re getting a better interest rate Notify creditors when you move Eliminate all but two credit cards Good Credit is a Credit to You

5. Delinquent credit card account Maxed-out credit limits Cash advances to pay bills Pay minimum amount on credit cards Debt Red Flags

6. If you owe $1,000 at 16.35% interest and pay $25 per month, your total bill will amount to $1,425. That’s your original debt, plus interest, over a period of nearly 5 years (57 months). Live within Your Means $1,000 Total = $1,425 + $425 Original Debt 16.35% Interest Source: Bankrate.com

7. Pay off the card with the highest interest rate first Know the APR of each card Shop around for the best rate Consolidate debt on lowest-rate card Fully Understand Your Credit Cards

8. Paying Off Credit Cards Advantage to Paying Off Credit Card Debt Credit Card Credit Card Balance Interest Rate Minimum Monthly Payments Months to Payoff Monthly Payment Months to Payoff Card 1$3,0009$50 79 $10034 Card 24,0001275 76 15032 Card 35,0009100 63 20028 TOTAL$12,000 $225$450 TOTAL PAID $18,950$13,800 Source: Bankrate.com

9. Keep a cash reserve for unexpected events and purchases Have enough for 3-6 months of living expenses Keep it liquid Build a Cash Reserve

10. Understand your spending patterns Change and improve to meet goals Decide where to cut – prioritize Stick to your budget Create a Realistic Budget

11. Live within your means Material goods can depreciate; investments have the potential to appreciate Save your next raise or bonus Refinance your mortgage Spend Less, Save More

12. Maintain motor vehicles and drive them as long as possible Use coupons, take advantage of sales and discounts and buy in bulk Consider local vacations Avoid impulse buying and shopping from catalogs Make your own coffee and meals Cut out premium cable channels and extra telephone features Ways to Save

13. Experienced and knowledgeable One-on-one consultation Periodic reviews Stay on track Include your tax and legal advisors Professional Guidance

14. MetLife Resources is a division of Metropolitan Life Insurance Company that specializes in providing plan products and other financial products and services to healthcare, educational, governmental and other nonprofit employers and their employees. $34 billion in retirement assets under administration 1 23,000 employer groups, helping millions of employees plan and save for retirement 2 1 LIMRA Not-for-Profit Report; First Quarter, 2011. Assets under administration with Metropolitan Life Insurance Company through the MetLife Resources division. 2 As of June, 2011 MetLife Resources

15. MetLife has been providing guarantees for the “if” in life for over 140 years 1 Number one life insurance company in the USA 2 (Fortune, 2011, FORTUNE 500 ® Annual Ranking of America’s Largest Corporations) 1 Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to the insurer’s claims-paying ability and financial strength. 2 Based on life insurance in force of Metropolitan Life Insurance Company (LIMRA, June, 2011) Strength, Stability, Integrity & Experience

16. MetLife and its representatives do not provide specific tax or legal advice. Please consult your tax advisor or attorney for such guidance. MetLife Resources is a division of Metropolitan Life Insurance Company (MLIC), 200 Park Avenue, New York, NY 10166. Securities, including variable products offered through MetLife Securities, Inc., (MSI) (member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife Companies. On the Plus Side MLR19000544067 L1011212119[exp1112][All States]