First Genesis of Virginia

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="left" valign="middle" colspan="3"> <span style="font: 13.5pt bold Arial, Helvetica, sans-serif;"> First Genesis of Virginia </span> <br> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <br>500 East Main Street<br />Suite 830<br /> <br>Norfolk, VA 23510 <br>Phone: 757-627-6603 <br>FAX: 757-623-0997 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:kroyster@metlife.com"> kroyster@metlife.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <span style="font-size:9pt;"><div><span style="font-size: x-small"><span style="font-family: Verdana">Financial Strategies for Success<br /> <br /> Helping you Plan, Manage, and Potentially Reap the Rewards of a Lifetime<br /> <br /> Welcome to First Genesis of Virginia, An Office of MetLife. <br /> From our inception, our philosophy has never faltered -- our mission is to help individuals, organizations and communities in a caring manner. <br /> <br /> Life is filled with choices -- choices which require decisions.As concerned financial professionals with wide ranging experience in financial services, we help our clients make the right decisions for their own unique situations. Our basic formula is an interactive combination of planning and managing these decisions.<br /> <br /> First Genesis of Virginia provides confidential <br /> one-on-one service. Our professionals share your concerns about protecting the future, educating our children, enjoying retirement and leaving a legacy.<br /> <br /> We have a strong commitment to community involvement. We are proud of our initiatives that promote financial awareness and full participation by all people in the nation's economy.<br /> <br />  </span></span></div> <div><span style="font-size: x-small"><span style="font-family: Verdana">We invite you to learn more about the benefits of First Genesis of Virginia and MetLife. If you are interested in a customized strategy give us a call. We will work with you to help you determine what’s important to you in your life.You can count on our financial planners to be your guide and most trusted advisor. It is never too late to begin planning.</span></span></div></span> <br><br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [VA, NC, MD, DC, GA, NJ]. 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">L0509038955[exp0610][All States]</font></div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/F/TA14_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/F/TA14_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/F/TA14_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=141" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Mortgage Refinancing</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Determine whether you should consider refinancing your mortgage.</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/F/TA14_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1495" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Social Security Outlook</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If your retirement is a long way off, you might want to consider the possibility that Social Security may not provide a significant source of your retirement income. Here’s why.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1510" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Time for Forecasts</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Economic forecasting is an important part of business, but the future is elusive. Forecasts have limitations that should be considered when making investment decisions.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1563" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Never Too Old—or Too Rich—to Consider Life Insurance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> There are many possible reasons to consider owning life insurance, even if you have convinced yourself that it's no longer necessary in your situation. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1596" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Recapping Market Capitalization</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The blurring of lines between large-cap, mid-cap, and small-cap companies is an indication that it may be time to evaluate whether your portfolio holdings have shifted toward or away from your investment objectives.</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> <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/F/TA14_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/F/TA14_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>November 21, 2009 @ 02:21 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=$INDU" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>10,312.34</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 20.10</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 2,144.26</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 12.56</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=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,090.95</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 3.95</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$MID" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 685.85</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 5.54</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=$SML" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P Small-Cap 600</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 307.95</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 1.43</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 582.40</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 3.28</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> 33.97</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.23</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/F/TA14_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/F/TA14_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/F/TA14_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/F/TA14_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/F/TA14_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/F/TA14_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/F/TA14_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/F/TA14_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br><table border="0" width="600"><tr><td><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), New York, NY 10166. Securities products and investment advisory services 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>), and a registered investment adviser, New York, NY 10166. Automobile and homeowners insurance issued by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI (may not be available in all states). MLIC, MSI, and Met P&C are affiliates. <br />Copyright 2009, 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></td></tr></table></div></body></html>