East Penn Financial Group, PA

<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/Z/TB16_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/Z/TB16_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>November 21, 2009 @ 09:20 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=$SPX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,090.95</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 3.95</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NYA" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 7,076.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 41.13</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=$XAX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>AMEX Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,777.50</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 27.86</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo" onclick="javascript:open_window('met_market_disclaimer.cfm','420','340')"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 3.37</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 0.02</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=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/Z/TB16_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/Z/TB16_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/Z/TB16_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/Z/TB16_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/Z/TB16_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/Z/TB16_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/Z/TB16_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/Z/TB16_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/8867/hummelbldg1.jpg" alt="East Penn Financial Group, PA"> </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>East Penn Financial Group </b></font><br><font SIZE="2" FACE="Arial, Helvetica, sans-serif"><b>An Office of MetLife</b><br><br>4905 W. Tilghman St.<br />Suite 200<br>Allentown, PA 18104<br>Phone: 610-398-0100 or 800-353-1798 <br>FAX: 610-391-7216 <br><table border="0" cellpadding="0" cellspacing="0"><tr><td valign="top"><font SIZE="2" FACE="Arial, Helvetica, sans-serif">Email: </font></td><td valign="top"> <font SIZE="2" FACE="Arial, Helvetica, sans-serif"><a href="mailto:jkurtz@metlife.com">jkurtz@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;"><p><span style="font-size: small">Our mission is to help you make informed decisions to meet your protection and investment and/or income needs. Our team of Financial Service Representatives is a trusted source of information within the local communities that we serve throughout Eastern Pennsylvania. </span></p> <p><span style="font-size: small">The East Penn Financial Group will provide the resources necessary to help our clients protect their assets and realize their goals with sound, professional advice that utilizes insurance as well as other financial products and services.</span></p> <p> </p></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 [PA, 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">L0309026011[exp0310]</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/Z/TB16_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/Z/TB16_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/Z/TB16_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=129" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">College Funding</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate the cost of your child’s education, based on the variables you input.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=140" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Home Affordability</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate of the maximum amount of financing you can expect to get when you begin house hunting.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=695" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Plan Early Distribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.</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/Z/TB16_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1522" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Preparing Not to Inherit</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Preparing for retirement will require adequate saving and investing, not just working hard to stay in the good graces of wealthy relatives.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1535" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Can You Count on Disability Income?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Disability income insurance replaces a percentage of your salary if you should experience a disability that makes it impossible for you to continue working.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1594" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Exchange-Traded Funds Can Be for Conservative Portfolios, Too</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> If you avoided ETFs because they were predominantly composed of stocks, the growing availability of bond ETFs might warrant a second look.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1663" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">It's Not Too Late to Consider Life Insurance </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Results from one survey suggest that confidence in financial security tends to increase as life insurance coverage increases.</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><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). Securities products 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>. <br />MLIC and MSI are affiliates, both of 200 Park Avenue, New York, NY 10166. <br />Investment advisory services offered by Investment Adviser Representatives of MetLife Securities, Inc., a Registered Investment Adviser. <br />Automobile and homeowners insurance issued by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI (may not be available in all states). Met P&C and MSI 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></div></body></html>