Lynda C. Paul, CFP, CPA/PFS, MBA

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr><td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/F/TB13_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/F/TB13_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>August 07, 2008 @ 06:56 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=$INDU" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>11,431.43</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 224.64</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 2,354.35</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 24.02</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=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,266.14</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 23.05</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$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> 713.41</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 12.49</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> 51.15</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 1.25</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/TB13_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/F/TB13_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/F/TB13_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/TB13_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/TB13_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/TB13_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/TB13_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/TB13_r13_c7.gif" width="211" height="14" border="0"></td> </tr></table> </td> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"><tr><td align="center" width="1%" valign="middle"> <img src="/files/9143/paul.jpg" alt="Lynda C. Paul, CFP, CPA/PFS, MBA" height="222" width="180" border="0"> </td><td><img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" BORDER="0"></td><td align="left" valign="middle" width="99%"><font face="Arial, Helvetica, sans-serif" size="3"> <b>Retirement Planning Center of Northern IL</b></font><br><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>Where Retirement Dreams Find Direction<br>Lynda Paul CFP®, MBA<br>Financial Planner<br>Financial Services Representative<br></b><br><br>The Retirement Planning Center<br>1800 Nations Drive, Suite 117<br>Gurnee, IL 60031<br>Phone: (847) 855-4509<br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email:<br><a href="mailto:lpaul@metlife.com">lpaul@metlife.com</a><br></font></td></tr></table> </font></td> </td></tr> <tr> <td colspan="3" valign="top" width="384"><font face="Arial, Helvetica, sans-serif" size="1"> <span style="font-size=9pt;"><br>Welcome! <br> <br>What, exactly, is “financial planning?” There is no right or wrong answer. Each person has his or her own definition. But, I can tell you that I consider “financial planning” to be more than spreadsheets and time tables.<br> <br>I will work with you to help you determine what’s important to you in your life. Together, we’ll create a road map to take you where you want to be, financially speaking. You can count on me to be your guide and most trusted advisor.</span> <br> <font face="Arial, Helvetica, sans-serif" size="-2"> We have representatives in this office licensed and registered to offer products and services in [IL]. 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">L04087171[exp0709][All States]</font></div> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/F/TB13_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/TB13_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/F/TB13_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=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/TB13_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1265" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - September 2007</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Information about Retirement, Long Term Care and the Mature Markets</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1280" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Quick Facts - October 2007</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Information about Retirement, Long Term Care and the Mature Markets</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1292" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Free to Retire</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A variable annuity might provide a way to help you pursue your retirement goals if you don’t have the time required to develop a winning retirement strategy. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1294" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Diversify and Conquer</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you dream of doing more in retirement than sipping lemonade in a rocking chair on the porch, you may want to consider the advantages of diversifying your portfolio.</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> </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. Auto and Home Insurance offered by Metropolitan Property and Casualty Ins. Co. (MPCIC) and affiliates, Warwick, RI (may not be available in all states). MLIC, MSI, and MPCIC are affiliates. <br />Copyright 2008, Metropolitan Life Insurance Company. All Rights Reserved. <br />CFP® and CERTIFIED FINANCIAL PLANNER<sup>TM</sup> are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements. <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 />L04087171[exp0709][All States] </font></div></td></tr></table></td></tr></table></div></body></html>