1. Being in their highest earning years allows Younger Boomers to spend slightly more than other Boomers, especially with most still having children at home. Demographic Profile FINANCES But higher earnings do not translate into financial security. Almost 63% feel they Younger BoomersA New Realism are behind in, or have not started, their retirement savings.4 Many more of them Americas YOUNGER will be relying on 401(k) and other defined contribution pension plans rather ed into their formative teen and early adult As the Younger or Trailing Edge Boomers mov e than defined benefit plans in comparison to Older Boomers. a clouded future rather than a rosy one. Som PROFILE years, realities often imposed the promise of BOOMERS ring their twenties, as the turning point for 4 etLife MMI. Boomer Bookends: Insights Into the Oldest and M experts cite 1979, the year this segment was ente tity of youthful enthusiasm and promise,1 to Youngest Boomers. NY: Metropolitan Life Insurance Co., 2009. the transition from Boomers generational iden onal stature and a weakening economy. the New Realism, resulting from a waning nati ciated with a Boomer identity and character Average Annual Expenditures Racial and Ethnic Composition* Younger Boomers also found themselves asso and Older Boomer siblings than themselves. more appropriate to their slightly older Middle Age 4554 (48%) of 45-year-olds reject the term Baby This may account for the fact that nearly half Food and Alcohol $8,201 2009 prefer to be identified with Generation X Boomers to describe themselves, while 35% Housing $19,562 iation. While clearly part of the Boomers rather than their demographically correct affil Poverty Status in 2008 eption puts them in a different part of the Apparel and Services $2,228 The poverty rate among Younger Non-Hispanic demographically, Younger Boomers self perc Transportation $10,691 White Alone Overview of Americas Younger Boomers in 2009 A Demographic Profile of Americas Younger Boomers generational spectrum. 2 Boomers is slightly lower than the Health Care $2,930 This demographic profile is one in a series produced by the MetLife 69% . national average. . New York: HarperCollins Publishers, Inc., 1997 1 .W. Smith, and A. Clurman, Rocking the Ages J itan Life Entertainment $3,297 Mature Market Institute. Younger or Trailing Edge Boomers are a Non-Hispanic the Oldest and Youngest Boomers. NY: Metropol 2 etLife MMI. Boomer Bookends: Insights Into M Personal Insurance and Pensions $7,853 % Below Poverty Level* larger segment of the cohort than the Older Boomers, but somewhat Black Alone Insurance Co., 2009. Males 9.0% 12% Cash Contributions $2,152 smaller than the Middle Boomers, as the birth rate trailed off to under Education $2,012 Females 9.9% four million per year after 1964. They represent about 36% of the total * eople and families are classified as being in P Boomer cohort. Non-Hispanic Hispanic Miscellaneous $2,254 Asian Alone All Other (Any Race) poverty if their income is less than their poverty Average Annual Expenditures $61,179* 4% Races 13% Key Birth Years of Younger Boomers threshold. Poverty thresholds are dollar amounts the Census Bureau uses to determine a familys 2% IN THE * Total varies due to rounding. Younger Boomers or persons poverty status. SPOTLIGHT 1960 1961 1963 Source: U.S. Department of Labor, Bureau of Labor Statistics, Consumer Expenditure Survey, 2008 Source: U.S. Census Bureau, Current Population Younger Boomers are adults ages 4550 years old in 2009, Ari Fleischer Barack Obama Brad Pitt Survey, Annual Social & Economic Supplement, 2009 born between 1959 and 1964. Bono Bob Woodruff Charles Barkley 2030 Household Income in 2008 by Household Type1959 Branford Marsalis George Clooney Conan OBrien 2009 2030Brian Williams Cal Ripken George Stephanopoulos Johnny Depp Ages 4549 Ages 5054 Younger Boomer Males 13,550,593 11,321,235 Non-HispanicEliot Spitzer Colin Firth Melissa Etheridge Mark McGwireEmeril Lagasse David Baldacci Michael J. Fox Michael Jordan Mean Median Mean Median Younger Boomer Females 13,853,400 12,705,454 White AloneEmma Thompson Erin Brockovich The Edge Quentin Tarantino Married Couple Families $109,134 $88,184 $108,910 $86,657 68% Greg Louganis Wayne Gretzky Whitney Houston Total: 27,403,993 24,026,689Florence Griffith Joyner Male Householders Living Alone $50,846 $36,258 $45,577 $32,658 Non-HispanicIra Glass Hugh GrantJohn McEnroe Jane Lynch 1962 1964 Female Householders Living Alone $39,086 $31,291 $39,976 $30,687 Total U.S. Population in 2009 Younger Boomers Black Alone Demi Moore Courtney Love Overall Male Householders $56,603 $40,844 $50,253 $38,750 11%Lester Holt John F. Kennedy Jr.Linda Blair Kathy Griffin Garth Brooks Diana Krall n 2009, Younger Boomers I 9% Overall Female Householders $43,104 $33,910 $43,726 $33,980 Non-HispanicMagic Johnson Mark Sanford Herschel Walker Jeff Bezos represented 9% of the total Hispanic Asian AloneMarie Osmond Patrick J. Fitzgerald Jim Carrey John E. Sununu Source: U.S. Census Bureau, DataFerrett, Current Population Survey, Annual Social & Economic Supplement, 2009 population, or about All Other (Any Race) Jon Bon Jovi Joseph Simmons 6%Randy Travis Robin Roberts 1 in 11 people. Races 14%Simon Cowell Sean Penn Jon Stewart (Run D.M.C.) This profile of Americas Younger Boomers was prepared by the MetLife Mature Market Institute. 2% William The Laura Ingraham This and its many other free publications and research are available online. Check the Research tab 49% male 2009Tracy Ullman Stanley TucciWeird Al Yankovic Valerie Bertinelli Refrigerator Perry Sarah Palin at www.MatureMarketInstitute.com. 51% female Visit: www.MatureMarketInstitute.com | E-mail: MatureMarketInstitute@MetLife.com *Percentages may not total 100% due to rounding. Mail: MetLife Mature Market Institute, 57 Greens Farms Road, Westport, CT 06880 Younger Boomers Source: U.S. Census Bureau, National Population Total U.S. Population by 2030 Estimates & Projections Fax: (203) 454-5339 Variable And Long-Term Care Products Are: Not A Deposit Or Other Obligation Of Bank Not FDIC-Insured Not Insured By Any Federal Government Agency 2030, Younger Boomers will By 6% Established in 1997, the Mature Market Institute (MMI) is MetLifes research organization be ages 6671 and make up Only Variable Annuity Products: Not Guaranteed By Any Bank Or Credit Union and a recognized thought leader on the multi-dimensional and multi-generational 6% of the total population. May Go Down In Value issues of aging and longevity. MMIs groundbreaking research, gerontology expertise, national partnerships, and educational materials work to expand the knowledge and Only Long-Term Care Products: Not Issued, Guaranteed Or Underwritten By Bank Or FDIC choices for those in, approaching, or caring for those in the mature market. 2030 Source: U.S. Census Bureau, National Population Not A Condition To The Provision Or Term Of Any Banking Service Or Activity Estimates & Projections Policy Is An Obligation Of The Issuing Insurance Company MMI00125(0210) 2010 Metropolitan Life Insurance Company, New York, NY L0210086942[exp0113]

2. Being in their highest earning years allows Younger Boomers to spend slightly more than other Boomers, especially with most still having children at home. Demographic Profile FINANCES But higher earnings do not translate into financial security. Almost 63% feel they Younger BoomersA New Realism are behind in, or have not started, their retirement savings.4 Many more of them Americas YOUNGER will be relying on 401(k) and other defined contribution pension plans rather ed into their formative teen and early adult As the Younger or Trailing Edge Boomers mov e than defined benefit plans in comparison to Older Boomers. a clouded future rather than a rosy one. Som PROFILE years, realities often imposed the promise of BOOMERS ring their twenties, as the turning point for 4 etLife MMI. Boomer Bookends: Insights Into the Oldest and M experts cite 1979, the year this segment was ente tity of youthful enthusiasm and promise,1 to Youngest Boomers. NY: Metropolitan Life Insurance Co., 2009. the transition from Boomers generational iden onal stature and a weakening economy. the New Realism, resulting from a waning nati ciated with a Boomer identity and character Average Annual Expenditures Racial and Ethnic Composition* Younger Boomers also found themselves asso and Older Boomer siblings than themselves. more appropriate to their slightly older Middle Age 4554 (48%) of 45-year-olds reject the term Baby This may account for the fact that nearly half Food and Alcohol $8,201 2009 prefer to be identified with Generation X Boomers to describe themselves, while 35% Housing $19,562 iation. While clearly part of the Boomers rather than their demographically correct affil Poverty Status in 2008 eption puts them in a different part of the Apparel and Services $2,228 The poverty rate among Younger Non-Hispanic demographically, Younger Boomers self perc Transportation $10,691 White Alone Overview of Americas Younger Boomers in 2009 A Demographic Profile of Americas Younger Boomers generational spectrum. 2 Boomers is slightly lower than the Health Care $2,930 This demographic profile is one in a series produced by the MetLife 69% . national average. . New York: HarperCollins Publishers, Inc., 1997 1 .W. Smith, and A. Clurman, Rocking the Ages J itan Life Entertainment $3,297 Mature Market Institute. Younger or Trailing Edge Boomers are a Non-Hispanic the Oldest and Youngest Boomers. NY: Metropol 2 etLife MMI. Boomer Bookends: Insights Into M Personal Insurance and Pensions $7,853 % Below Poverty Level* larger segment of the cohort than the Older Boomers, but somewhat Black Alone Insurance Co., 2009. Males 9.0% 12% Cash Contributions $2,152 smaller than the Middle Boomers, as the birth rate trailed off to under Education $2,012 Females 9.9% four million per year after 1964. They represent about 36% of the total * eople and families are classified as being in P Boomer cohort. Non-Hispanic Hispanic Miscellaneous $2,254 Asian Alone All Other (Any Race) poverty if their income is less than their poverty Average Annual Expenditures $61,179* 4% Races 13% Key Birth Years of Younger Boomers threshold. Poverty thresholds are dollar amounts the Census Bureau uses to determine a familys 2% IN THE * Total varies due to rounding. Younger Boomers or persons poverty status. SPOTLIGHT 1960 1961 1963 Source: U.S. Department of Labor, Bureau of Labor Statistics, Consumer Expenditure Survey, 2008 Source: U.S. Census Bureau, Current Population Younger Boomers are adults ages 4550 years old in 2009, Ari Fleischer Barack Obama Brad Pitt Survey, Annual Social & Economic Supplement, 2009 born between 1959 and 1964. Bono Bob Woodruff Charles Barkley 2030 Household Income in 2008 by Household Type1959 Branford Marsalis George Clooney Conan OBrien 2009 2030Brian Williams Cal Ripken George Stephanopoulos Johnny Depp Ages 4549 Ages 5054 Younger Boomer Males 13,550,593 11,321,235 Non-HispanicEliot Spitzer Colin Firth Melissa Etheridge Mark McGwireEmeril Lagasse David Baldacci Michael J. Fox Michael Jordan Mean Median Mean Median Younger Boomer Females 13,853,400 12,705,454 White AloneEmma Thompson Erin Brockovich The Edge Quentin Tarantino Married Couple Families $109,134 $88,184 $108,910 $86,657 68% Greg Louganis Wayne Gretzky Whitney Houston Total: 27,403,993 24,026,689Florence Griffith Joyner Male Householders Living Alone $50,846 $36,258 $45,577 $32,658 Non-HispanicIra Glass Hugh GrantJohn McEnroe Jane Lynch 1962 1964 Female Householders Living Alone $39,086 $31,291 $39,976 $30,687 Total U.S. Population in 2009 Younger Boomers Black Alone Demi Moore Courtney Love Overall Male Householders $56,603 $40,844 $50,253 $38,750 11%Lester Holt John F. Kennedy Jr.Linda Blair Kathy Griffin Garth Brooks Diana Krall n 2009, Younger Boomers I 9% Overall Female Householders $43,104 $33,910 $43,726 $33,980 Non-HispanicMagic Johnson Mark Sanford Herschel Walker Jeff Bezos represented 9% of the total Hispanic Asian AloneMarie Osmond Patrick J. Fitzgerald Jim Carrey John E. Sununu Source: U.S. Census Bureau, DataFerrett, Current Population Survey, Annual Social & Economic Supplement, 2009 population, or about All Other (Any Race) Jon Bon Jovi Joseph Simmons 6%Randy Travis Robin Roberts 1 in 11 people. Races 14%Simon Cowell Sean Penn Jon Stewart (Run D.M.C.) This profile of Americas Younger Boomers was prepared by the MetLife Mature Market Institute. 2% William The Laura Ingraham This and its many other free publications and research are available online. Check the Research tab 49% male 2009Tracy Ullman Stanley TucciWeird Al Yankovic Valerie Bertinelli Refrigerator Perry Sarah Palin at www.MatureMarketInstitute.com. 51% female Visit: www.MatureMarketInstitute.com | E-mail: MatureMarketInstitute@MetLife.com *Percentages may not total 100% due to rounding. Mail: MetLife Mature Market Institute, 57 Greens Farms Road, Westport, CT 06880 Younger Boomers Source: U.S. Census Bureau, National Population Total U.S. Population by 2030 Estimates & Projections Fax: (203) 454-5339 Variable And Long-Term Care Products Are: Not A Deposit Or Other Obligation Of Bank Not FDIC-Insured Not Insured By Any Federal Government Agency 2030, Younger Boomers will By 6% Established in 1997, the Mature Market Institute (MMI) is MetLifes research organization be ages 6671 and make up Only Variable Annuity Products: Not Guaranteed By Any Bank Or Credit Union and a recognized thought leader on the multi-dimensional and multi-generational 6% of the total population. May Go Down In Value issues of aging and longevity. MMIs groundbreaking research, gerontology expertise, national partnerships, and educational materials work to expand the knowledge and Only Long-Term Care Products: Not Issued, Guaranteed Or Underwritten By Bank Or FDIC choices for those in, approaching, or caring for those in the mature market. 2030 Source: U.S. Census Bureau, National Population Not A Condition To The Provision Or Term Of Any Banking Service Or Activity Estimates & Projections Policy Is An Obligation Of The Issuing Insurance Company MMI00125(0210) 2010 Metropolitan Life Insurance Company, New York, NY L0210086942[exp0113]

3. More Younger Younger Boomers continue the trend of somewhat Homeownership remains very high, at about 88% for Younger Boomers, and continues to be a Boomers are larger families than Middle and Older Boomers, with mainstay of the traditional American Dream aspiration. Most intend to stay where they are over HEALTH & LONGEVITY WORK attaining at least FAMILY 3.4 persons per family household, partly a reflection HOUSING the next five years, with only about 20% reporting that they plan on moving.3 a high school of the increasing diversity in this segment. At the 3 etLife MMI. Boomer Bookends: Insights Into the Oldest and Youngest Boomers. NY: Metropolitan Life Insurance Co., 2009. M education and same time, the percentage of never married YoungerMost Younger Boomers have the some college. Boomers is also notably higher in comparison to other Boomers. A larger Household Size by Typebenefit of over 30 years of additional More women in this cohort segment percentage of Younger Boomer males have never married, in comparison have maintained their employment All Households Family Households* Non-Family Households**life expectancy on average, and to the older segments of the Boomers. levels in managerial/professional jobs 1 20.8% 83.3%good to excellent health. As middle- in comparison to Older Boomers, 2 25.7% 29.4% 14.4%agers, the typical challenges of diet, Marital Status while the percent of males has slipped 3 20.6% 27.0% 1.5%exercise, and increases in chronic Males Females somewhat in this same category. 4 20.3% 27.0% 0.5%conditions confront them, but they Married 65.5% 65.4%still enjoy highly active lifestyles and Two-earner households predominate in 5 8.3% 11.1% 0.2% Widowed 1.0% 2.7%the prospect of increased longevity. the Younger Boomer segment, leading 6 2.7% 3.6% 0.1% Divorced 14.3% 16.8% to greater levels of household income, 7+ 1.5% 2.0% 0.0% but with fewer of them having defined- Separated 2.5% 3.6% Average Size 2.9 people 3.4 people 1.2 peopleSelf-Reported Health Status:20062008 benefit pension plans for retirement. Never Married 16.7% 11.4% * Family HouseholdHousehold maintained by a householder who is in ges 4554 A Male Female Occupation Group* Source: U.S. Census Bureau, DataFerrett, Current Population Survey, March Supplement, 2009 a family (group of two people or more, one of whom is the householder, Geographic Distribution in 2008 YOUNGER BOOMERS related by birth, marriage, or adoption and residing together), and includes Younger Boomers represent 10% or more of the stateExcellent/ 1% 7% P roduction, Born in 19591964, Younger or any unrelated people (unrelated subfamily members and/or secondaryVery Good 59.8% 57.9% 19% Transportation, Educational Attainment Trailing Edge Boomers are a larger individuals) who may be residing there. population in the following nine states: Connecticut, 0%Good 28.0% 28.2% and Material Masters Degree or Higher segment of the cohort than the Older Maine, Maryland, Massachusetts, Minnesota, New 31% High School Graduate ** on-Family HouseholdHouseholder living alone (a one-person household) N 19% Moving Hampshire, New Jersey, Vermont, and Wisconsin.Fair/Poor 12.2% 13.9% Bachelors Degree Less than High School Boomers, but a somewhat smaller or where the householder shares the home exclusively with people to whom 1% C onstruction, Some College segment than the Middle Boomers. he/she is not related.Source: Centers for Disease Control & Prevention,National Center for Health Statistics, Health Data 14% 19% Extraction, and Source: U.S. Census Bureau, DataFerrett, Current Population Survey, MarchInteractive Maintenance 10% 10% They represent about 36% of the Supplement, 2009 11% 18% 20% total Boomer cohort. As the birth rate F arming,Life Expectancy: 2006 Fishing, trailed off to under four million per year Homeownership Rates in 2008 by Family Status 25% 30% and Age of Householder# Years at Age Male Female 36% 42% and Forestry after 1964, the Baby Boom was 40 37.6 41.7 Sales and Office officially declared over. But the ripple Married Couple Males Females 34% 31% Age 45 33.1 37.0 Service effect of their childbearing is not, giving rise Families Living Alone Living Alone Males Females to the large Generation Y, which consists M anagement, 12% 10% 4549 87.2% 51.3% 52.8% 50 28.8 32.5 * Of those employed. Professional, primarily of Younger Boomers children. 5054 89.2% 56.5% 56.7%Source: Centers for Disease Control & Prevention, Source: U.S. Census Bureau, DataFerrett, Current Population Survey, Males FemalesNational Center for Health Statistics, 2009 March Supplement, 2009 and Related Source: U.S. Census Bureau, DataFerrett, Current Population Survey, March Supplement Source: U.S. Census Bureau, Housing and Household Economic Statistics Division Source: U.S. Census Bureau, Population Division, 2009Younger Boomers: Significanthistoric, social, and cultural eventsin their teen and young adult yearshelped shape the values andviewpoints of Younger Boomers. 401(k) contribution became a law

4. More Younger Younger Boomers continue the trend of somewhat Homeownership remains very high, at about 88% for Younger Boomers, and continues to be a Boomers are larger families than Middle and Older Boomers, with mainstay of the traditional American Dream aspiration. Most intend to stay where they are over HEALTH & LONGEVITY WORK attaining at least FAMILY 3.4 persons per family household, partly a reflection HOUSING the next five years, with only about 20% reporting that they plan on moving.3 a high school of the increasing diversity in this segment. At the 3 etLife MMI. Boomer Bookends: Insights Into the Oldest and Youngest Boomers. NY: Metropolitan Life Insurance Co., 2009. M education and same time, the percentage of never married Younger some college. Boomers is also notably higher in comparison to other Boomers. A larger Household Size by Type More women in this cohort segment percentage of Younger Boomer males have never married, in comparison have maintained their employment All Households Family Households* Non-Family Households** to the older segments of the Boomers. levels in managerial/professional jobs 1 20.8% 83.3% in comparison to Older Boomers, 2 25.7% 29.4% 14.4% Marital Status while the percent of males has slipped 3 20.6% 27.0% 1.5% somewhat in this same category. Males Females 4 20.3% 27.0% 0.5% Married 65.5% 65.4% Two-earner households predominate in 5 8.3% 11.1% 0.2% Widowed 1.0% 2.7% the Younger Boomer segment, leading 6 2.7% 3.6% 0.1% Divorced 14.3% 16.8% to greater levels of household income, 7+ 1.5% 2.0% 0.0% but with fewer of them having defined- Separated 2.5% 3.6% Average Size 2.9 people 3.4 people 1.2 peopleSelf-Reported Health Status:20062008 benefit pension plans for retirement. Never Married 16.7% 11.4% * Family HouseholdHousehold maintained by a householder who is in ges 4554 A Male Female Occupation Group* Source: U.S. Census Bureau, DataFerrett, Current Population Survey, March Supplement, 2009 a family (group of two people or more, one of whom is the householder, Geographic Distribution in 2008 YOUNGER BOOMERS related by birth, marriage, or adoption and residing together), and includes Younger Boomers represent 10% or more of the stateExcellent/ 1% 7% P roduction, Born in 19591964, Younger or any unrelated people (unrelated subfamily members and/or secondaryVery Good 59.8% 57.9% 19% Transportation, Educational Attainment Trailing Edge Boomers are a larger individuals) who may be residing there. population in the following nine states: Connecticut, 0%Good 28.0% 28.2% and Material Masters Degree or Higher segment of the cohort than the Older Maine, Maryland, Massachusetts, Minnesota, New 31%