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style='width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=364 style='width:273.0pt;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp; <o:p></o:p></span></p> </td> <td valign=top style='padding:0in 0in 0in 0in'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp;<br> </span><b><span style='font-size:10.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#5E98E1'>Building a Better Benefits Program  without Breaking the Budget</span></b><span style='mso-fareast-font-family:"Times New Roman"'><br> <br> </span><strong><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman"'>Your small business clients rely on your expertise and guidance to help them deliver a benefits program that supports their business objectives </span></strong><em><b><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman"'>and</span></b></em><strong><span style='font-size:7.5pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"'> optimizes their budget.</span></strong><span style='font-size:7.5pt; font-family:"Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"'><br> <br> As the U.S. economy emerges from recession, there are big expectations for small businesses (with fewer than 500 employees) to provide the engine that will drive the recovery. Employee benefits can play an important role in overall business strategy. <br> <br> MetLife s latest research  <em><span style='font-family:"Verdana","sans-serif"'>Building a Better Benefits Program Without Breaking the Budget</span></em></span><sup><span style='font-size:6.0pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman"'>1</span></sup><span style='font-size:7.5pt;font-family: "Verdana","sans-serif";mso-fareast-font-family:"Times New Roman"'>  takes a close look at the specialized needs of small businesses and offers five practical steps they should consider in the new economy. <br> <br> <strong><span style='font-family:"Verdana","sans-serif"'>Download the white paper, along with a range of supporting tools designed especially for brokers serving this key market:</span></strong> <br> <br> " <a href="http://app.emailtransmit.com/util/clickthrough.php?a_i=3879686&amp;t_i=55922&amp;t=o&amp;url=http%3A%2F%2Fwww.metlife.com%2Fbrokers%2Finsights-and-tools%2Findustry-insights%2Femployee-benefits-trends-study%2Findex.html%23perspectives%3FWT.mc_id%3Die000198" target="_new"><em><b><span style='font-family:"Verdana","sans-serif"; color:#0076AD'>Building a Better Benefits Program</span></b></em><b><span style='color:#0076AD'> white paper</span></b></a><br> <br> " <a href="http://app.emailtransmit.com/util/clickthrough.php?a_i=3879686&amp;t_i=55922&amp;t=o&amp;url=http%3A%2F%2Fdata.emailtransmit.com%2Fb3n4%2Fpdfs%2FFINALEBTSBRGuide_7_14A.pdf" target="_new"><b><span style='color:#0076AD'>Strategic Client Conversation guide</span></b></a><br> <br> " <a href="http://app.emailtransmit.com/util/clickthrough.php?a_i=3879686&amp;t_i=55922&amp;t=o&amp;url=http%3A%2F%2Fdata.emailtransmit.com%2Fb3n4%2Fpdfs%2FEBTSLeaveBehind.pdf" target="_new"><b><span style='color:#0076AD'>Client Slipsheet</span></b></a> (with a place for you to add your contact information) <br> <br> <br> </span><sup><span style='font-size:6.0pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman"'>1</span></sup><em><span style='font-size:7.5pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman"'>Building a Better Benefits Program Without Breaking the Budget</span></em><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman"'> is an addendum to the 8th Annual <i>MetLife Study of Employee Benefits Trends</i>, 2010 </span><span style='mso-fareast-font-family:"Times New Roman"'><o:p></o:p></span></p> </td> <td width=8 valign=top style='width:6.0pt;padding:0in 0in 0in 0in'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp; <o:p></o:p></span></p> </td> </tr> </table> </td> <td valign=top style='padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=240 style='width:2.5in;mso-cellspacing:0in;background:#E3EDCB;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;height:24.0pt'> <td colspan=3 style='background:#BBD37F;padding:0in 0in 0in 0in;height: 24.0pt'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 width=210 height=32 id="_x0000_i1026" src="http://data.emailtransmit.com/b3n4/templates/brokerlearnmore.jpg" alt="LEARN MORE"><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:337.5pt'> <td width=10 style='width:7.5pt;padding:0in 0in 0in 0in;height:337.5pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp; <o:p></o:p></span></p> </td> <td valign=top style='padding:0in 0in 0in 0in;height:337.5pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><br> </span><b><span style='font-size:8.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#6C6C6C'>Contact me to discuss the white paper and your next quote:</span></b><span style='mso-fareast-font-family:"Times New Roman"'><br> <br> </span><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman"'>Mark Wachsberg <br> Phone: 732-850-1158 <br> E-mail: <a href="mailto:mwachsberg@metlife.com?cc=sstockwell@metlife.com" target="_blank"><span style='color:#5E98E1;text-decoration:none;text-underline: none'>mwachsberg@metlife.com</span></a> <br> Fax: 800-270-7430</span><span style='mso-fareast-font-family:"Times New Roman"'><br> <br> </span><em><b><span style='font-size:8.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman";color:#6C6C6C'>Building a Better Benefits Program Without Breaking the Budget</span></b></em><b><span style='font-size:8.5pt;font-family:"Verdana","sans-serif";mso-fareast-font-family: "Times New Roman";color:#6C6C6C'> <br> </span></b><b><span style='font-size:8.5pt;font-family:"Verdana","sans-serif"; mso-fareast-font-family:"Times New Roman"'><img border=0 width=10 height=15 id="_x0000_i1027" src="http://data.emailtransmit.com/b3n4/templates/arrow.png" alt=V>&nbsp; <a href="http://app.emailtransmit.com/util/clickthrough.php?a_i=3879686&amp;t_i=55922&amp;t=o&amp;url=http%3A%2F%2Fwww.metlife.com%2Fbrokers%2Finsights-and-tools%2Findustry-insights%2Femployee-benefits-trends-study%2Findex.html%23perspectives%3FWT.mc_id%3Die000198" target="_blank" title="Metlife Whitepaper"><span style='color:#5E98E1'>Download now</span></a></span></b><span style='mso-fareast-font-family:"Times New Roman"'> <o:p></o:p></span></p> </td> <td width=10 style='width:7.5pt;padding:0in 0in 0in 0in;height:337.5pt'> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'>&nbsp; <o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><img border=0 width=600 height=12 id="_x0000_i1028" src="http://data.emailtransmit.com/b3n4/templates/brokergreenfooter.jpg" alt=----------><o:p></o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width=600 valign=top style='width:6.25in;padding:0in 0in 0in 15.0pt'> <p><span style='font-size:7.5pt;font-family:"Verdana","sans-serif"'>Like most life benefit programs, MetLife group policies contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. As your MetLife group representative for costs and complete details.<br> <br> This is an advertising message from MetLife. <br> <br> For brokers only.<br> <br> © 2010 Peanuts Worldwide LLC<br> <br> © 2010 Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166<br> <br> L0710119397[exp0711][All States]<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='mso-fareast-font-family:"Times New Roman"'><br> <br> <img border=0 width=1 height=1 id="_x0000_i1029" src="http://app.emailtransmit.com/util/open/3879686/55922/o/"><o:p></o:p></span></p> </div> </body> </html>