you’re ready to put your career on the fast track for growth…

Explore your opportunity with MetLife Home Loans

you’re a talented, ambitious sales professional who can help us further our vision of bringing financial freedom to everyone and…you want to work for a company that’s known for it’s strength, market leadership, integrity and commitment to its shareholders, customers, employees and the communities it serves…

Now is the perfect time to join our team.

22

33

“The MetLife name gives our Mortgage Consultants an important edge in a competitive marketplace. We continue to help our Mortgage Consultants differentiate themselves by going above and beyond to ensure they have the products, tools and support they need to besuccessful. I can’t think of a better opportunity in the industry today”

Brian HaleNational Production President, MetLife Bank

4

MetLife Home Loans is a division of MetLife Bank N.A., a MetLife company.

A relatively “new” name in the mortgage banking community, we are a part of a brand that enjoys a very high level of consumer awareness. With top consumer rankings in “trust”, “reputation” and “financial strength” our mission is clear:

We want to assist in building financial freedom for everyone; helping consumers build their financial safety nets throughout all life stages. MetLife Home Loans is dedicated to helping it’s customers achieve what is often one of their most important financial goals – home ownership.

MetLife Home Loans: Who We Are?

Our Mission

• By June 30, 2013, MetLife Bank plans to be a nationally recognized diversified bank and a top five mortgage lender. We plan to expand our capabilities to customers and become a provider of banking services to the enterprise. We will be a recognized part of the MetLife brand and value proposition through our banking services and offerings. We plan to contribute 10% of total MetLife enterprise operating income and 15% ROE, and be known as the bank that keeps its promises to its associates, customers, shareholders and the communities in which we do business.

Why MetLife Home Loans?

• We are in growth mode, fueled by our goal to become a top 5 industry player. Be a part of our growth!

• Our top leadership has a proven track record in the industry, and our National Production President is a renowned industry leader

• Our national distributed sales force is dedicated to helping customers navigate the mortgage process on a local level (National strength = local expertise)

• We offer a wide variety of competitive products that support theindividual financial needs and situation of your customers

• All of our Mortgage Consultants have access to a top-notch marketing library of materials accessible online 24/7

Why MetLife Home Loans? (con’t)

• We are a trusted, consumer friendly brand, with high visibility. Our brand assets (Snoopy and the MetLife blimp) are well recognized and regarded.

• Our operating model is very sales and customer focused.

• We offer a top notch reward and recognition program for our top performers.

• Our compensation structure is highly competitive.

• You will have access to senior management and can help create our culture.

Why Now?

• The mortgage banking industry is undergoing significant changes –financial rules and regulations are released almost daily

• Ask yourself:– How many companies out there are in a GROWTH mode

during this time of industry change?

– How many enjoy NO legacy issues with past books of business that they will be dealing with for years to come?

– How many companies enjoy a solid, trusted brand name that has been around for 140+ years… and is one of the best capitalized companies in the U.S.?

99

Recognized and Well-Regarded

• Business Week’s Best Place to Launch a Career, for three consecutive years

• FORTUNE® magazine’s World’s Most Admired Companies, for three consecutive years

• DiversityInc.’s Top 25 Noteworthy Companies, for three years • Working Mother magazine’s 100 Best Companies for Working

Mothers, for 11 consecutive years (2009 – 1999)• Diversity MBA Top 50 Companies for Diverse Managers, for four

consecutive years

10

Brand Recognition

• MetLife is a name your customers and business contacts recognizeand trust. It consistently ranks very high with attributes such as trust, good reputation and financial strength.

• Nearly 100% name recognition in the U.S. (Source: consumer research)

• Identified with financial strength, trustworthiness, leadership, and innovation (MetLife Quarterly Preference Research 2/10)

The MetLife Brand

Our Heritage

Our Sales and Service People

How We Give Back

Our Identity

Our Brand Icon

Our Brand Icon

Our Message

Our Employees

Visibility: Brand Assets – Snoopy & PEANUTS

• In the beginning . . . inspired by Linus and his blue security blanket

1 2009 MetLife Brand Preference Research2 2008 MetLife U.S.A Snoopy Study

• Key element of brand identity. In USA:– 79% connect Snoopy with MetLife2

– Almost 70% agree consistent use of Snoopy makes them easily remember MetLife1

– Nearly half believe use of Snoopy conveys MetLife has a good reputation2

• A global brand asset

• A bold step transforming MetLife’s brand in 1985– Added warmth and humor– New spirit and energy– Differentiated MetLife

Brand Assets - Blimp

• Established program – 24 years

• Official Aerial Provider of PGA Tour

• Covered over 110 television events in 2009

• Additional coverage of over 135 non-TV events (flyovers, visits/tours, and PR)

• NEW! Track the blimp on metlife.comand Twitter

Leading Market Positions

• MetLife Home Loans is currently ranked one of the largest mortgage originators* and servicing lenders* in the nation.

• MetLife has over 70 million customers and supports over 90 of the Top 100 Fortune 500® companies**

• MetLife ranks 51 in the Fortune 500 top companies**

*Inside Mortgage Finance, July 2010**FORTUNE 500®, April 2009. FORTUNE 500® is a registered trademark of FORTUNE® magazine, a division of Time, Inc.

15

National enterprise footprint

16

Competitive Benefits and Training

We Offer:

• Competitive compensation for our associates

• Wide array of employee benefit programs geared toward health, wellness and financial security

• Employee discount opportunities

• Annual incentive trip for top producers (President’s Club)

• New Hire training to “jump start” your career and On-going offerings to keep you on the cutting-edge

1717

Strategic Marketing Support

To ensure your individual success, we offer an internal group of marketing professionals—Marketing Solutions—who provide marketing tools that allow you to:

– Create personalized materials such as product and open house flyers– Direct market to your new and existing customers and business contacts– Increase outreach to customers and prospects with a personal website

First Person Overview

First Person is an exclusive relationship marketing program designed to increase sales, loyalty and referrals.

• Products:– Business to Business Campaign– Postcards: 3 sizes / 13 categories– HomeFront quarterly newsletter – Customer and Business satisfaction Surveys– Greeting Cards– B2B E-mail Marketing Tool

• Subscriptions: automatic delivery of communications

• Membership: online address book, database maintenance and preferred pricing

iDESIGN Overview

iDesign is a dynamic marketing storefront enabling producers to “create” highly personalized POS materials, sales flyers and print

advertisements for both consumers and business contacts.• Products:

– Brochures – Take Ones– Flyers: open house, product and Joint Marketing– Print advertisements– Signage: banners and yard signs– Note cards, invitations and premiums

• Personalization:– Photo and 8 lines of contact information– Store 3 personal profiles– Personal URL featured on front of brochures– Contact info embedded throughout materials– Create unlimited number of Joint Marketing profiles

20

Every Mortgage Consultant receives a personalized website

Mortgage Consultant Website Program

Online Application You can export details

directly to your Point-of-Sale program

Mortgage Calculator

Allows visitors to calculate mortgage

payments in minutes

Business associatesPromote your business associates by adding

contact info and links to their websites

Visitor Notifications Receive e-mails when

activities occur, including prospects

who register but don’t complete the 1003 *Webpage layout displayed is for

illustration only. Your actual website may differ.

25-39% of all applicationsare input through ourMortgage Consultant

websites, an average of 2,000 a month since Jan

2010

2121

Want to know more about MetLife Home Loans?

2222

National Builder Division

• MetLife Home Loans is one of the top mortgage provider for newly constructed homes*

• Our network includes experienced Regional Builder Consultants and is supported by a dedicated National Builder Division

• Our Builders ChoiceSM menu of products includes:– Builders Choice Extended Locks—for up to 12 months– Builder Choice SpecMoverSM—lock and sell program– Variety of buy-downs and escrow waivers

• Our Internal Condo Project Approval group helps with time delays and expenses

• Marketing support includes a vast array of builder specific marketing materials

• We’re a National Association of Home Builders—National Sales and Marketing Council Exclusive Co-Sponsor

• The National Builder Division sponsors and coordinates local workshops with professional speakers

* As of August 2010, MetLife Home Loans ranked as the third highest mortgage lender of newly constructed homes (not including builder owned companies), according to Marketrac®.

2323

Products and programs

• Conventional loans

• Fixed rate loans

• Adjustable-rate mortgages (ARMs)

• FHA financing

• VA loans

• Low down payment loans

• Interest-only options

• Higher loan limits in high cost markets

*Higher loan limits available by exception

**Brokered product

• Conventional loans

• Fixed rate loans

• Adjustable-rate mortgages (ARMs)

• FHA financing

• VA loans

• Low down payment loans

• Interest-only options

• Higher loan limits in high cost markets

*Higher loan limits available by exception

**Brokered product

• Jumbo loans up to $2 million*

• 203K Rehab**

• Low-to-moderate income programs

• Extended lock program

• Condo financing

• Temporary buydowns

• Jumbo loans up to $2 million*

• 203K Rehab**

• Low-to-moderate income programs

• Extended lock program

• Condo financing

• Temporary buydowns

24

Production

• Are located in many metropolitan areas

• Offer simplified underwriting and processing

• Allow flexibility for sales and fulfillment management to jointly prioritize work

MetLife Home Loans is committed to providing turn-key fulfillment capabilities through a network of regional centers that:

2525

Point-of-Sale systems

Our systems are web-based and easily accessiblePresto• Ability to craft side-by-side scenarios to share with borrower• Pricing and rate lock execution• Ability to craft pre-qualification cost analysis material for borrower

and produce closing cost worksheet• Access to automated underwriting system

2626

“As a MetLife company, we’re part of a more than 140-year tradition of helping people build financial safety net for the ifs in life. MetLife Home Loans is an important component of this tradition, and our Mortgage Consultants are the key to our success.”

Donnalee DeMaioPresident, MetLife Bank

2727

Take the next step and see just how far you can go with MetLife Home Loans.

We hope you’ll make the decision to join our team.

To apply for a position, visit www.metlife.com/careers.

MetLife Bank is an Equal Opportunity/Affirmative Action Employer. Mortgage financing provided by MetLife Home Loans, a division of MetLife Bank, N.A. Equal Housing Lender. ©2010 METLIFE, INC © United Peanuts Worldwide LLCL1210145484[exp0211][All States][DC]

you want to take your career to the next level…