12 Reasons to Purchase Your 403(b) TSA and 457 Deferred Compensation Plan from MEA Financial Services

1. Our philosophy is to assist our members.

2. MEA Financial Services is your company - our goal is to provide superior service and products to our MEA members at low cost. We service both active and retired members of MEA and MEA Retired.

3. Our programs are tailored for education professionals and reviewed by MEA Financial Services management with oversight from our governance structure. We constantly strive to improve our programs through member feedback and inquiry. Our member needs are important and we listen.

4. Group purchasing power means lower expense to the members.

5. A special feature of our payroll deduct 403(b) variable annuity retirement program is benefit sensitivity which allows for no withdrawal charges upon separation from service, death or disability and are provided by nationally recognized insurance companies.

6. MEA Financial Services offers over 200 mutual funds and over 75 insurance funds, which allow the member to tailor their invest- ment program based on their invest-ment style and risk tolerance.

7. Since MEA Financial Services is available in MEA represented school districts, transfer of a member's investment is no problem should they move to another district.

8. MEA Financial Services is available to work with and assist all bargaining personnel in negotiating contracts that involve Early Retirement Incentives and Deferred Compensation programs.

9. Service and easy access is #1 through our state-wide network of Financial Services Representatives or direct through our client support staff in East Lansing via our toll-free line, 800/292-1950, from anywhere in the US and through our website, www.meafs.com.

10. MEA Financial Services works in conjunction with the MEA to fully understand your retirement system and works with the MEA to lobby for the best retirement benefits.

11. The Power of the Group means individual concerns are not individual. When you participate with MEA Financial Services we are your advocates when assistance is needed.

12. Our Financial Services Representatives are trained in answering members' MPSERS questions about their most valuable asset, their retirement program.

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

For more information about Variable Annuities, Please call your registered representative or MEA Financial Services for the contract prospectus and the underlying sub account fund prospectuses. Both the contract prospectus and the underlying fund prospectuses contain information relating to the product's investment objectives, risks, and charges and expenses as well as other important information. 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/payments are based on the claims-paying ability of Issuer and not on the value of the securities within the account.