Brokerage Account Information from MetLife

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Basics

MetLife Securities Brokerage Accounts: a more efficient way to manage your investments.

Like many people today, you may use many different types of investments and products to reach your financial goals. MetLife Securities offers a way to consolidate your investments into a single account.

With a MetLife Securities Brokerage Account, you get:

Access to a wide variety of investing:general securities (i.e., stocks and bonds), mutual funds, exchange-traded funds and alternative investments
Consolidated statements and one yearly 1099: makes recordkeeping and tax preparation easier
Optional Corestone^TM1Asset Management Account upgrades: access to a premier money market rate as well as features like unlimited checking, debit cards, direct deposit and bill-paying can help simplify your financial life²
Professional help from a MetLife representative: to help you develop a long-term strategy for reaching your financial goals

Something to consider about brokerage accounts:

Commissions and fees are charged for transactions, so these accounts are most suitable for investors who do a limited to moderate amount of trading. MetLife Securities also offers Advisory accounts with fixed fee schedules; ask your MetLife representative for details.

You might also consider:

Mutual funds from over 250 fund families.

529 Plans for federally income tax-free college funding.

Details

A wide range of investment options plus optional cash management upgrades.

A MetLife Securities Brokerage Account and our Corestone Asset Management Account, which combine standard account benefits with cash management services, can make it easier for you to reach your financial goals.

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MetLife Securities Brokerage Account standard features:

Access to a wide variety of investing, including mutual funds from over 200 fund families, general securities (e.g., stocks and bonds) and alternative investments
Consolidated statements and one yearly 1099
Daily sweep of uninvested cash to a MetLife Bank FDIC-insured money market account, or one of several other money market sweep options
No account minimum
Can be used for IRA accounts
Upgradeable with ProCash Plus cash management features (for non-qualified accounts only)

Corestone Asset Management Account^TM:

Corestone Account^TM offers a complete, bundled solution that gives clients everything they need to manage their finances. Offered at several different levels, Corestone Account^TM provides the following:

BillSuite^TM Improved Electronic Bill Payment and Presentment: BillSuite^TM simplifies and improves the investor experience. The premium level of BillSuite^TM, including options for electronic bill delivery, bill payment and auto pay, is available at no additional charge with every Corestone Account^TM at all account levels.
Note: BillSuite^TM is accessed through NetExchange Client^® and will only be available to those users. Investors will need to ask their investment professional for this feature

Enhanced Rewards Program: RewardSuite is offered at no additional charge to enrolled Corestone Gold and Platinum account investors. Platinum level investors with RewardSuite will automatically receive upgraded service, including airline rewards with fewer restrictions, as well as concierge services online or by phone.

ATM Upgrades: Higher ATM limits allow investors greater access to cash at the Gold and Platinum levels. With more than 6,500 free ATMs, the PNC Bank network provides access to cash 24 hours a day, seven days a week, with no ATM withdrawal charges. if investors use an ATM outside of the PNC Bank network, limited monthly ATM withdrawal fees will be reimbursed for Gold and Platinum accounts up to monthly limits.

Gold and Platinum VISA^® debit card functionality: New PNC Bank debit cards will be easier to use with a choice of signature or personal identification number (PIN)-based functionality. Investors can obtain cash back (subject to store limits) by simply swiping their debit card and entering their PIN. Daily spending limits will also be higher; each card holder will have his or her own limit, providing greater flexibility and control.

NetExchange Client^® functionality: Investors enrolled in NetExchange Client^® will be able to retrieve images of cancelled checks simply by clicking on "Details" in the "View History" section of NetExchange Client^®.

Asset Management Account Features Grid
Name	Corestone Accoun^TM
Platform	PNC BillSuite^TM with improved interface on NetExchange Client^® is be offered at no charge for all accounts
Debit Card	Visa^® Silver, Gold and Platinum cards for Silver Plus, Gold, and Platinum tiers; no card for Silver tier
	PIN and signature-based transaction capabilities
	Separate card numbers for each account holder with individual spending/withdrawal limits for each card; tiered ATM daily withdrawal limits
	Card can be used without fees at 6,500 PNC ATMs and over 43,000 Allpoint network ATMs; limited number of non-PNC ATM transaction fees will be reimbursed monthly
Rewards Program	Enhanced benefits for Platinum account holders: More flexible travel program with no blackout dates, Saturday restrictions or 21-day advance booking Concierge service provides personalized assistance with nearly all entertainment, business and travel plans Accelerated point accumulation of card purchases
Rewards Program	Bonus points for additional program participation, including: BillSuite^TM enrollments and usage Loyalty points per year of membership RewardSuite enrollment and usage Account upgrades between tiers
Pricing	Annual Account Pricing Silver: $25 (effective July 1, 2012, with $25 fee waived for accounts that have $25,000 or more in average month-end closing cash sweep balances.) Silver Plus: $50 (a new tier that will be introduced in 2012) Gold: $100 Platinum: $150 Corporate Gold: $150 Corporate Platinum: $250 All new investors will receive their first year free; all annual fees are charged on anniversary of month the account is opened.
	Reward Suite No additional charge for Gold and Platinum tiers (not available for Silver or Silver Plus)
	Checking and Debit Card Pricing Stop payments on checks: $25 (waived for Platinum) ATM: No transaction fees at PNC and Allpoint network ATMs; for other ATMs, up to $5/month reimbursement for Gold and up to $10/month reimbursement for Platinum
	Note: Other fees may apply for certain services

Speak with a MetLife Representative to learn more about MetLife Securities Brokerage Accounts.

What's Next

We’re here to help.

Find an office near you or have a representative contact you.

A MetLife Financial Services Representative can help you decide if a MetLife Securities brokerage account fits your needs.

¹ Trademark belongs to Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation, which provides Corestone Account services on behalf of MetLife Securities, Inc. These entities are not affiliated with MetLife Securities, Inc.

² Fees and account minimums may apply

Securities and investment advisory services are offered through registered representatives and investment adviser representatives, respectively, through MetLife Securities, Inc., a Broker Dealer (member FINRA/SIPC) and a Registered Investment Adviser. MetLife Securities, Inc., 1095 Avenue of the Americas, New York, NY 10036 Banking products and services, including deposit accounts, offered by MetLife Bank^®, NA, Member FDIC, a MetLife affiliated company.

Brokerage Accounts

Basics

Details

What's Next

Basics

MetLife Securities Brokerage Accounts: a more efficient way to manage your investments.

Details

A wide range of investment options plus optional cash management upgrades.

MetLife Securities Brokerage Account standard features:

Corestone Asset Management Account^TM:

What's Next

We’re here to help.

GO PAPERLESS!

Learn More About Investing

Brokerage Accounts

Basics

Details

What's Next

Basics

MetLife Securities Brokerage Accounts: a more efficient way to manage your investments.

Details

A wide range of investment options plus optional cash management upgrades.

MetLife Securities Brokerage Account standard features:

Corestone Asset Management AccountTM:

What's Next

We’re here to help.

GO PAPERLESS!

Learn More About Investing

Corestone Asset Management Account^TM: