1. Click Enroll above to get started 2. Provide your identifying information 3. Name beneficiaries (you can update this anytime) 4. Choose your funding source (transfer, rollover or contribution) 5. Customize your account security information and electronically sign your IRA documents. Once money arrives in your IRA, you’ll receive an email notification, inviting you to login and customize your investments.

When your money arrives, it will be invested in MetlifeStable Value Fund, and you will be prompted by email to log into your account and review the initial investment allocation. If you want to change that allocation, you have two options: • Ongoing Professional Advice – Receive customized advice on your portfolio by selecting Morningstar Retirement Manager. After completing a questionnaire, you can either accept or reject the advice you receive. If you accept the advice, your account will automatically be allocated to the new investment selections and rebalanced quarterly to keep you on track. • Do-It-Yourself – Direct the investment of your account into any of the investment options offered by the MaxIRA. We recommend you log into your MaxIRA periodically to review your investment allocation to help ensure you stay on track to meet your goals.

This is an important, complex question with tax consequences now and in retirement. You may want to contact your tax advisor for clarification. If you are making a contribution to your MaxIRA: The primary difference between a Traditional IRA and a Roth IRA is when you pay tax on your savings. • A Traditional IRA allows you to make tax-deductible contributions, which means you aren’t paying income tax on that money now. You’ll pay tax on your contributions and investment earnings when you withdraw money from the IRA. • A Roth IRA allows only after-tax contributions. Although you can’t take a tax deduction for your contributions, you can withdraw your contributions tax-free at any time. If you have a Roth IRA for at least five years and wait to withdraw your investment earnings until you are at least 59½, you’ll never pay tax on the investment earnings in your Roth IRA. If you are moving money to your MaxIRA: You’ll generally want to open the type of IRA that matches the tax status of the money you are moving. You may want to contact your tax advisor for more information.

You can access your account securely online at any time by logging in with the username and password you established when creating the account. You may want to bookmark the login page.

Go to the login screen and select Forgot Username/Password. Your username and a new password will be sent to your email address.

Absolutely! You can make contributions to your IRA each year up to the annual limit directly from your bank account. Note that you must have earned income to contribute to a Traditional or Roth IRA, but for a Roth IRA your income must be under an IRS limit. You can always transfer or roll over money from another IRA or an employer-sponsored retirement plan into your MaxIRA.

We recommend naming a beneficiary(ies) as soon as possible, knowing you can always make changes. By naming a beneficiary for your account, you ensure that upon your death your remaining IRA assets will pass directly to the person(s) you intended. Your beneficiaries or the executor of your estate must provide a copy of a death certificate to Customer Support to start the process.

You always have full control over your account, including when you take withdrawals. Make sure you are aware of the tax consequences when you take a withdrawal: • Traditional, SEP and SIMPLE IRA withdrawals are generally taxable and are subject to an additional 10% early distribution tax if you are under age 59½. • Roth IRA withdrawals will not be taxable if you only withdraw amounts you have contributed. After that, if you withdraw investment earnings from your Roth IRA, the withdrawal will be taxable and subject to the additional 10% early distribution tax if you are younger than 59½ and have had a Roth IRA for less than five years.