An Important Benefit for You to Consider MetLaw® Thank you for the opportunity to speak with you today about a new voluntary benefit being made available to you by your employer. Today we’re going to talk about MetLaw, a group legal plan that’s available for your family. An Important Benefit for You to Consider Prepared For: Carnegie Science

COVERED SERVICES Debt Collection Defense Identity Theft Adoption Immigration Assistance Tenant Negotiations Sale of a Home Real Estate Matter Mortgages Traffic Ticket Defense (No DUI) Living Wills Powers of Attorneys Wills Name Change Administrative Hearings Civil Litigation Defense Incompetency Defense Deeds Demand Letters Telephone and Office Consultations And more…. By a show of hands, how many people: have a will prepared? have ever had a dispute with a landlord? are thinking of selling or refinancing a home? have had their driver’s license or credit card stolen? MetLaw, the Group Legal Plan can help. MetLaw is the group legal plan made available by Hyatt Legal Plans, a MetLife company. And although you might not realize it, a group legal plan could be one of the most valuable coverages in your benefits package. In fact, according to the American Bar Association, over half of consumers who need a lawyer do not seek legal help, partly because they don’t know how to find a good attorney.* When you enroll in MetLaw, you’ll be able to get advice on a wide range of legal matters. The Plan covers your attorney’s fees for these and many other covered services, when using a Plan Attorney. For a complete list of covered and non-covered services, visit www.metlife.com/mybenefits and click on the Hyatt Legal link. *“Public Perception of Lawyers Consumer Research Findings,” prepared on behalf of section of litigation, American Bar Association, April 2002.

With a Network Attorney There Are Smart. Simple. Affordable.® THE BENEFITS Cost effective Convenience of payroll deduction More than 14,000 Network Attorneys to choose from Freedom to use any attorney* With a Network Attorney There Are [This group legal plan is being offered by Hyatt Legal Plans, Cleveland, Ohio. In certain states, however, the Plan is provided through insurance coverage which is underwritten by Metropolitan Property and Casualty Company and Affiliates, Warwick, RI.] Many families in America may have a new or ongoing legal problem every year. Those legal needs can be anything from closing on a house to adopting a child to revising your will. For many cases, the savings from just one use of the group legal plan may equal or even exceed the amount of [monthly] premium payments. For less than a dollar a day, you, your spouse and dependents can have access to a network attorney for a variety of legal services. Hyatt Legal Plans has more than 14,000 network attorneys nationwide, who have an average of 25 years of experience. You may choose to see any attorney, whether or not they participate in the Plan. If you visit an attorney that does not participate in the Plan, you will be reimbursed for covered services according to a set schedule of fees. You would be responsible for paying the difference between the attorney’s charge for that service and the fee schedule amount. If you choose a Network Attorney, you’ll see the advantages and see how easy it is to get the advice and services you need. (Read bullets.) No waiting periods or claim forms No deductibles or copayments No attorney fees for covered services Smart. Simple. Affordable.® * If services are provided by a non-plan attorney, the participant is responsible for paying the difference between the reimbursement amount and the attorney’s charge for the services. 

Locating a Network Attorney EASE OF USE Locating a Network Attorney STEP 1 – Call Hyatt Legal Plans at 1-800-821-6400, reference your company name or group number and a Client Service Representative will assist you in locating a network attorney in your area and provide a case number. STEP 2 – Call your attorney and provide your case number to make an appointment. STEP 3 – You’re done! When using a network attorney, no claim forms or co-payments are required—the attorney handles all the paperwork.

COST EFFECTIVE If you use MetLaw just once in a year, it is very likely that the plan will more than pay for itself. Review the table to see the potential savings for a legal insurance plan member who enrolls in MetLaw and uses a network attorney for 4 basic legal matters. Here is an example of the potential annual savings when using MetLaw. All you pay is your monthly premium no matter how many times you use a Plan Attorney over the course of the year for covered legal matters. Fees for legal services are based on the average amount of hours it would take using the average hourly rate of $290.00/hour based on years of legal experience. National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2013). The cost for MetLaw is based on an average rate of $18 per month. Prices may vary.

To build financial freedom for everyone WHY METLIFE? The strength and stability of a world leader in the insurance industry 140 years of outstanding service Provides benefits to over 90 of the top one hundred FORTUNE® 500 companies Provides benefits to over 61,000 group customers with approximately 39 million employees Finally, let me mention a few things about MetLife. You’ve no doubt seen Snoopy and are very familiar with our name—in fact, MetLife is the leading life insurer in the U.S. and a true powerhouse in the employee benefits industry. Our commitment to providing innovative insurance products, building trust and offering the absolutely highest caliber customer service dates back more than 140 years. All told, today we provide benefits at work that enhance the lives of nearly [39] million people. While you can’t eliminate the “ifs” in life, you can be sure that we will be there when you need us, continuing to build our vision of financial freedom and security for everyone. Thank you for your time. Our Vision: To build financial freedom for everyone

HYATT LEGAL PLANS MOBILE APP Optional slide HYATT LEGAL PLANS MOBILE APP Hyatt Legal Plans’ Mobile App is now available on iTunes® App store and Google Play Use the app to access your coverage details and: Find attorneys in your area Review informative articles, videos and a Legal Needs Test Use interactive tools to help assess legal risks as well as highlight the potential savings as a legal plan member Access a case number to provide to your selected Plan Attorney We make it easy for you to access your legal plan through our Mobile App, available on iTunes and Google Play. Log on to view your current coverage information, find a network attorney, use helpful legal assistance tools and more!

ENROLL TODAY Visit [www.metlife.com/mybenefits] Or Call [1-800-GET-MET8 (1-800-438-6388)] You have until [MM/DD] to enroll in this valuable benefit, or you will have to wait for the next enrollment cycle. Group legal plans provided by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLaw® and MetLife® are registered trademarks of Metropolitan Life Insurance Company, New York, NY. Don’t go another day without this benefit. Are there any questions? [I’ll be here to help you complete your enrollment forms and answer any questions]. If you think of any questions after I leave, feel free to call the 800 number during your enrollment period which ends [date]. L0416462189[exp0617][All States] Metropolitan Life Insurance Company, New York, NY 10166. Peanuts © 2016 Peanuts Worldwide, LLC