benefits of MEA Financial Services TDA program

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The Key Benefits of the MEA-endorsed Tax-Deferred Annuity Program

Choice of funding options from two of the largest insurance companies in America:

The Prudential Insurance Company

Metropolitan Life Insurance Company

PRUDENTIAL ACCOUNT ACCESS
Need to access your account? If you have not already set this up, first call the Client Service toll free number: 1-800-458-6333 & request your PIN number, which for security purposes will be mailed to you.	Once you have your number you may access your account information at: Prudential Account Access .

Current Taxable Income can be Reduced. You can reduce your current income taxes by having contributions deducted before taxes from your salary. This reduces taxable income and allows you to invest more for retirement.

Growth is Tax-Deferred. Tax-deferred growth provides a higher return than similar investments on an after-tax basis. The result is that the money that you would normally pay in taxes remains working for you, not for the government. The interest or earnings on the contribution also grows tax-deferred.

Diversification. An array of products provide a wide variety of funding options to provide investment opportunities from the domestic bond market to international stocks.

Systematic Salary Reductions. Make investing easier with systematic salary reductions. Through dollar-cost averaging, you invest a fixed dollar amount at regular intervals. That means you end up buying more shares when the price is low and fewer shares when the price is high. Dollar-cost averaging can be particularly effective for building your investments gradually over time.
Note: Dollar cost averaging does not assure a profit and does not protect against a loss in declining markets.

Risk. Remember, variable annuities are subject to market risk which causes their value to fluctuate.

Comprehensive Statements. Statements detailing all your quarterly account activity and your balance by funding option.

Loans. With a loan provision you may have access to your money for emergencies, or to fund special purchases, for instance a new home, or to pay college tuition.

Flexibility. With IRS contribution limits, a person may change the amount as conditions warrant. You may:

change your investment allocation of future contributions at any time

increase or decrease your contribution rate

NOTE: Some restrictions may apply.

Distribution Alternatives.* You may:

receive a lump-sum payment,

elect periodic payments,

elect an annuity,

elect systematic disbursements,

roll over your funds to another TDA plan or an IRA.

* Be aware that the taxable portion of any distribution not rolled over is subject to federal income tax at the investor's personal federal income tax rate. State and local income taxes may also be due on funds you receive. If funds are withdrawn prior to age 59 1/2, a 10% Federal tax penalty may apply.

Ease of Beneficiary Transfer.

Death Benefit. In the case of death, your MEA-endorsed TDA program provides a death benefit. See the prospectus for details.

Registered Representatives throughout Michigan to answer your questions and help you with your personal retirement planning. Click here to locate the Representative in your area.

Convenient Service. One toll free number available anywhere in the U.S. to call for information about your account and your funding choices.

Disclosures:
There are risks associated with investing in mutual funds and variable annuities, including potential loss of principal value.

Variable annuities are subject to market risk which may cause value to fluctuate including loss of principal for variable accounts.

For more complete information about funds including a fund's objectives and risks, and its charges and expenses, please call 1-800-292-1950 for a product prospectus. Please read the prospectus and carefully consider the investment objectives, risks and charges and expenses and other information before investing because these factors will directly affect future returns.

Guarantees and/or payments are based on the claims-paying ability of Issuer and not on the value of the securities within the account.

*A hypothetical example is not intended to be indicative of any specific investment. Hypothetical results are for illustrative purposes only and are not intended to represent the past or future performance of any specific investment

MEA Financial Services/Paradigm Equities, Inc. does not give tax or legal advice. The comments regarding the law and tax treatment simply reflect our understanding of current interpretations of such laws. Since laws are always subject to interpretation and possible changes, we recommend that you seek the counsel of an attorney, accountant or other qualified tax advisor regarding these matters as it applies to your particular situation.

Many tax provisions are scheduled to expire in 2006 through 2010 unless extended or made permanent by Congress.

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