South Carolina s State Optional Retirement Program Focus on your future

Transcription

1 South Carolina s State Optional Retirement Program Focus on your future Plan your retirement

2 2 Welcome Congratulations on your new career, and welcome to an alternative retirement investment opportunity available to you: South Carolina s State Optional Retirement Program ( State ORP ). MetLife* is proud to have been selected by the South Carolina Public Employee Benefit Authority as one of the approved providers for the retirement savings program. Start planning for a comfortable retirement. The State ORP enables you to control your retirement funding options and to select the retirement plan that best meets your specific long-term needs. To help you take full advantage of all the benefits that the State ORP has to offer, we are pleased to provide you with a State ORP information kit, which has been approved by the State ORP. Here, you will find easy-to-understand information about your potential State ORP account including information on the funding options. ing options to help you build your State ORP account Your employer makes a variety of fixed and variable funding options available to you through MetLife: Enrolling in South Carolina s State ORP is easy. You may choose one of the two ways to enroll: Mutual Select Portfolios (MFSP) features a diversified selection of publicly available no-load or load waived mutual funds from well-known fund managers covering a wide range of asset classes. MFSP offers the choice participants want along with the flexibility they need. By mail. After reading through the enclosed material, complete and mail MetLife s State ORP enrollment form. Also, you must submit the State Form 1100 to your employer along with a copy of the Enrollment/Participation Agreement Form, or Brighthouse Life Insurance Company offers the Gold Track Select Registered Fixed Account Option, a fixed annuity contract, which provides a guaranteed interest rate.** By phone. Contact David Johnson at to obtain the contact information for the financial representative in your area. Your representative will sit down with you, explain the benefits available in the State ORP and review your funding options. We hope this information kit provides you with an even greater understanding of South Carolina s State Optional Retirement Program and empowers you to take full advantage of this important benefit. Again, welcome and thank you for your interest in the State ORP. * MetLife refers to Metropolitan Life Insurance Company and its affiliates. ** Interest rates will vary. The Fixed Account Option guarantees are subject to the financial strength and claims-paying ability of Brighthouse Life Insurance Company. The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or annuitized it may be worth more or less than its original value.

3 3 Why choose the State Optional Retirement Program? There can be many benefits to choosing the State ORP. Here are a few: You are 10 vested in your State ORP account, including the part your employer contributes to on your behalf. Your State ORP savings are 10 portable if you permanently leave to pursue a new career opportunity. Most Americans have several different jobs over their lifetime, making portability an important benefit.* You control your investment choices and your retirement destiny. For more detailed information, please review the Select Your Retirement Plan brochure. The brochure includes an overview of the State ORP, a defined contribution plan, and a comparison to the South Carolina Retirement System (SCRS), a defined benefit plan. The brochure is available through your employer s benefits office, from the SCRS, on the Internet at or from your State ORP fund provider. The website also contains a benefits comparison calculator which can show you how much retirement savings you could accumulate in the State ORP based on using hypothetical investment returns and other assumptions. * Because a distribution is subject to ordinary income taxes and a payment before age 59½ may incur an additional 1 Federal income tax penalty, you may prefer to make a direct rollover to another eligible retirement plan, which includes an Individual Retirement Account or Annuity (IRA). Making a choice between these different plans is an important decision. You should carefully consider all available information, together with your needs and preferences. While we re pleased to help you consider information, this brochure should not be construed as tax or legal advice.

4 4 Manage the Risk/Reward Potential Under the plan, you may choose from a range of funding options across a variety of asset classes. Regardless of your risk tolerance level, diversification among stock, bond and fixed income options may be an efficient way to manage risk and to help achieve retirement goals. The idea behind diversification is that each type of funding option has strengths and weaknesses in various market situations. By spreading your money among various types of investments and asset classes, you take advantage of their respective strengths without exposing all of your plan account to an investment in one concentrated area. In general, fixed income investments are more conservative, while equity investments offer the potential for higher returns with more risk. Your retirement savings plan is designed to allow you to allocate your contributions among any combination of investment options so that you can find the mix that is right for you. Individual needs can differ based upon factors such as age, goals, risk tolerance and overall resources. No one diversification model fits all, nor does the selection of any diversification model guarantee that your investment objectives will be achieved. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. Low Risk/Reward Potential Cash Equivalents Bond s Balanced s Stock s High Risk/Reward Potential

5 5 Features of your plan Am I eligible to participate in the plan? You are eligible to participate in your Plan upon date of hire if you are at least 21 years of age. What are the benefits of pre-tax savings? Contributing to the Plan in pre-tax dollars is a powerful advantage because it reduces your current taxable income every year and your contributions and earnings are not taxed until you withdraw them. It is also easy. Your contributions will be automatically deducted from your paycheck and deposited into your account. How much can I contribute? You must make pre-tax contributions of 9.0 of your eligible pay. For employees with a Date of Membership after January 1, 1996, the calendar year 2018 compensation limit under Internal Revenue Code of 1986, as amended, section 401(a)(17) is $275,000. Employees with a Date of Membership prior to that date must contribute on their total salary. Can I roll over money from another retirement plan? If you have an existing qualified retirement plan account with a prior employer or an IRA, you may be able to transfer or roll over all or some of that account into this plan once you enroll. Does my employer make a contribution to the plan? One of the best features of the Plan is the Employer contribution. In addition to the 9.0 contribution you make to your Plan, your Employer will contribute an amount equal to 5. of your pre-tax compensation. What is vesting and how does it work? Vesting refers to whether you have an absolute right to your plan account or whether something else must occur before you have a right to it, such as additional years of service or reaching a certain age. Anything you contribute including rollover or transfer contributions and any earnings on that money is always 10 vested. You are 10 vested immediately on the value of your Employer s contributions. How do I direct my investments? You may choose from a range of funding options to direct your contributions. Learn more about your Plan s selections by reading the funding options section in this guide. You may change your allocation among the funding options for your current account balance and your future contributions virtually anytime by visiting our website at mlr.metlife.com or calling our toll-free number Can I take a loan against my account? Loans are not permitted at this time.

6 6 Can I withdraw money from my account? Since your Plan is designed primarily to help you save for retirement, the Internal Revenue Service has placed restrictions on when money may be withdrawn from your plan account before you retire. You may withdraw money from your account under the following circumstances, in accordance with your employer s plan document: Retirement In general, once you have reached age 59½, you may take distributions from your retirement account without a Federal income tax penalty. Termination of employment You may receive all of your vested account value at termination of employment. Additional requirements may apply. Death Any account balance that a participating employee has at death will be paid to his/her designated beneficiaries, as outlined in the Beneficiary Designation Form on file with your employer. Your State ORP Plan Document provides more details about making withdrawals from your Plan. To obtain a copy, contact your employer. Also, always consult your tax advisor or investment professional about the income tax consequences of any withdrawals. Ordinary Federal income taxes generally apply to withdrawals. Federal income tax rules generally prohibit withdrawals prior to age 59½. Where these withdrawals are allowed, a 1 Federal income tax penalty may apply. What if I need money in an emergency? Hardship withdrawals are not permitted at this time. What if I have more questions about the plan? For more information regarding your Plan, please contact your Employer or representative. How do I obtain information about my account? Each quarter, you will receive a personal account statement with a detailed summary of all activity including: account transactions and history, ending account balance and vesting information. You can contact us virtually any time directly over the phone or on the web for further assistance. Please refer to the back cover of this guide for all your access information. Are there costs to participate in the program? Yes. An annual administrative fee of 22 basis points (0.22%) will apply to your MetLife mutual fund accounts under the State ORP. Each mutual fund has its own investment management fees and other expenses. The plan participant will pay the fees and expenses for any of the investment options selected. For more information regarding fees, please read each mutual fund prospectus carefully. You can also refer to the SCRS website to see current fee information for each funding option, by vendor. Information is available in the ORP section of the site under Plan Comparison Report.

7 7 This enrollment brochure is not intended to be a summary of your plan s provisions. It only includes highlights of certain plan provisions. The plan document governs the terms of the plan and is available from your employer. Your employer may also provide a summary plan description. In general, if any conflicts occur between this material and the plan documents provided by your employer, the plan documents provided by your employer will govern. This brochure should not be construed as tax or legal advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisors regarding your particular set of facts and circumstances. The information in this brochure is for informational purposes only and shall not be constructed as an offer, or solicitation of an offer, to purchase any securities or variable insurance products, or a recommendation to buy, sell or hold any securities or participate in any investment advisory program or service. Nothing in this brochure is intended to target any particular individual or analyze the financial condition of any particular individual for suitability to transact in any securities or participate in any investment advisory programs. Please consult with your representative and your independent tax advisor, review all applicable offering documents and disclosures for risks and applicable fees, charges and expenses, and consider your own financial conditions, risk tolerance, investment objectives and time horizon before investing.

8 8 Your funding options Mutual funds Your retirement savings plan offers a variety of funding options. You can create your own investment mix by choosing any combination. Then you can monitor your plan investments and make adjustments as your goals change over time. The full mutual fund lineup is on the following pages. Morningstar Investment Management, LLC ( Morningstar ) believes that the list shows the approximate risk relationships among the asset classes for the mutual funds from the most conservative to the most aggressive. Within each asset class mutual funds are listed in alphabetical order. The ranking of asset classes is based on an analysis by Morningstar Investment Management, LLC. In determining the ranking, Morningstar Investment Management, LLC utilized certain quantitative risk measures in conjunction with its fundamental investing experience and portfolio construction philosophy. Other methodologies for ranking asset classes may produce different results. Since past performance of investments is no guarantee of future performance, no assurance can be given that the ranking of asset classes shown here will correspond to rankings in the future. Purchasers should understand that each mutual fund incurs its own risks, which will be dependent upon the investment decisions made by the respective portfolio manager. This chart is intended to be a guide; please consult the appropriate prospectus for more complete information including costs, expenses, and risks for each mutual fund. Target date funds Your retirement savings plan offers the following target date funds. Each one is a diversified mutual fund managed by a professional portfolio management team. American s T2010;R-6 American s T2015;R-6 American s T2020;R-6 American s T2025;R-6 American s T2030;R-6 American s T2035;R-6 American s T2040;R-6 American s T2045;R-6 American s T2050;R-6 American s T2055;R-6 American s T2060;R-6 A target date fund invests in a set of underlying mutual funds with different investment styles which invest in different asset classes, such as stocks, bonds and cash. The target date refers to a potential retirement date or the date when you plan to begin withdrawing money. Typically, the investments within a target date fund are weighted more towards equities when the target date is far away and adjusts over time, so that it becomes more heavily weighted towards bonds as the target date approaches. Keep in mind that some types of bonds may be more risky than stocks. However, each target date fund determines its own mix of equities and bonds so that two funds with the same target date may have different asset allocations between equities and bonds, different investment strategies and different risk profiles. In addition, while the target date may align with your goal for withdrawing money, a particular fund s asset mix may not coincide with your risk tolerance and financial situation. You should consult the prospectus for the fund for more details before you decide to invest. Target date funds are designed as a one-step approach. They assume that the target date fund is your only investment and that no contributions are made after the target date is reached.

9 9 There is no guarantee that the fund will not lose money or that it will provide sufficient assets for retirement. The principal value of the fund is not guaranteed at any time, including the target date. You must monitor your investment in the target date fund periodically to make sure that it is appropriate for you. Because a target date fund is typically a fund of funds, investors bear two levels of fees for the underlying funds and the target date fund. Securities distributed by MetLife Investors Distribution Company (member FINRA). Annuities The Registered Fixed Account Option of the Gold Track Select Variable Annuity credits an annual interest rate declared by Brighthouse Life Insurance Company. The Gold Track Select Annuity is issued on policy form numbers L-14666, L-14669, L-14672, L CA, L MO, L MO, L ND, L ND, L NE, L NE, L-14634A, L NYNON4223, L NYNON4223, L NY4223, L NY4223, L OR, L OR, L OR, L PA, L PA, L PA, L TX, L TX, L TX, L UT, L UT, L WA, L WA, L WI, L WI, L WI by Brighthouse Life Insurance Company, North Community House Road, Charlotte, NC Annuities are issued by Brighthouse Life Insurance Company, Charlotte, NC and in New York only by Brighthouse Life Insurance Company of NY, New York, NY Variable annuity products are distributed through Brighthouse Securities, LLC (member FINRA). Product guarantees are solely the responsibility of Brighthouse Life Insurance Company or in New York only Brighthouse Life Insurance Company and not MetLife. MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates. Brighthouse Financial is a service mark of Brighthouse Financial, Inc. or its affiliates. Brighthouse Life Insurance Company policies and contracts contain exclusions, holding periods, termination provisions, limitations, reduction of benefits, surrender charges and terms for keeping them in force. Please see your representative for complete costs and details. The Registered Fixed Account Option (Gold Track Select) is offered by prospectus only, which is available from your registered respresentative. You should carefully consider the product s features, risks, charges and expenses. This and other information is available in the prospectus, which you should read carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claimspaying ability of the issuing insurance company. Withdrawals may be subject to withdrawal charges and a market adjusted value. The market adjusted value may be lower or higher than your contract value.

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11 As of: 9/30/2017 Money Market Vanguard Fed MM;Inv Ticker: VMFXX The seeks to provide current income consistent with the preservation of capital and liquidity. The also seeks to maintain a stable net asset value of $1.00 per share. The invests in short term, high quality money market securities issued by US government agencies. As of: 9/30/2017 Inflation-Protected Bond PIMCO:Real Return;Inst Ticker: PRRIX The seeks to maximize real return consistent with preservation of real capital and prudent investment management. The is an actively managed bond portfolio that invests primarily in inflation indexed securities. 0.7% 0.6% 0.5% 0.4% 0.3% 0.2% 0.1% 0.23% 0.62% 0.29% 0.18% % 0.22% 0.09% 0.06% 0.32% 5% 4% 3% 2% 1% -1% 0.98% 0.15% 1.29% -0.11% 4.25% 0.77% -0.33% 1.04% -0.31% 3.37% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper US Govt MM IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Inf Prot Bd Fd IX. Alpha 1 (3-Yr.): 0.02%* Beta 2 (3-Yr.): 0.* Standard Deviation 3 (3-Yr.): 0.02% *Calculated against Lipper US Govt MM IX Share Price (09/30/2017): $1.00 Size (as of 8/31/2017): $79,451.6m Began: 7/13/1981 Manager: John C. Lanius Manager Tenure: 2008 Vanguard Group Inc 100 Vanguard Boulevard Malvern, PA total expense ratio (gross): 0.11% Alpha 1 (3-Yr.): 0.05%* Beta 2 (3-Yr.): 0.07%* Standard Deviation 3 (3-Yr.): 1.19% *Calculated against Lipper Inf Prot Bd Fd IX Share Price (09/30/2017): $11.01 Size (as of 8/31/2017): $6,523.3m Began: 1/29/1997 Manager: Worah/Banet Manager Tenure: 2007/2015 PIMCO 840 Newport Center Drive Suite 100 Newport Beach, CA total expense ratio (gross): 0.64% Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. The value of inflation-protected bonds is not guaranteed, and your investment may lose value at any time, especially in period of low or negative inflation. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 9

12 As of: 9/30/2017 Intermediate-Term Bond Met West:Total Return;Pl Ticker: MWTSX The seeks to maximize long-term total return by investing at least 8 of its assets in a diversified portfolio of fixed-income securities of varying maturities, issued by domestic and foreign corporations and governments with portfolio duration of two to eight years. As of: 9/30/2017 Target Date American s T2010;R6 Ticker: RFTTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. 6% 1 5% 4% 3% 2% 1% 8% 6% 4% 2% 0.74% 0.37% 2.48% 2.76% N/A 1.15% % 5.01% 2.61% 8.02% 5.39% 6.95% N/A % 4.63% 5.37% 4.11% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Core Pl Bd Fd IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2010 IX. Alpha 1 (3-Yr.): 0.23%* Beta 2 (3-Yr.): -0.03%* Standard Deviation 3 (3-Yr.): 0.7% *Calculated against Lipper Core Pl Bd Fd IX Share Price (09/30/2017): $10.05 Size (as of 8/31/2017): $17,156.3m Began: 7/29/2011 Manager: Team Managed Metropolitan West Asset Management LLC 865 S. Figueroa Street Suite 1800 Los Angeles, CA total expense ratio (gross): 0.38% Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Alpha 1 (3-Yr.): 0.07%* Beta 2 (3-Yr.): 0.43%* Standard Deviation 3 (3-Yr.): 1.39% *Calculated against Lipper M-A Tgt 2010 IX Share Price (09/30/2017): $11.00 Size (as of 8/31/2017): $909.3m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Income of America;R % American s Capital Income Builder;R American s Intmdt Bond of America;R % American s Bond of America;R6 7.99% American s Inflation Linked Bond ;R6 6.97% American s Mortgage ;R6 6.0 American s American Mutual ;R % American s American High-Income Trust;R % American s Capital World Bond ;R6 5.0 American s Washington Mutual Inv ;R6 4.51% Top 10 Holdings (% of total) 76.54% Annual Turnover Ratio 14% total expense ratio (gross): 0.35% Asset Types (as of 06/30/2017) Equities 42.21% Fixed Income 60.45% Cash -3.13% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 10 L [exp0418][All States][DC]

13 As of: 9/30/2017 Target Date American s T2015;R6 Ticker: RFJTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. As of: 9/30/2017 Target Date American s T2020;R6 Ticker: RRCTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. 1 12% 8% 6% 4% 2% 1 8% 6% 4% 2% 2.81% 8.55% 5.68% 7.75% N/A 2.61% 8.17% 5.07% 6.01% % 9.67% % N/A 2.86% 9.13% 5.32% 6.73% 4.47% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2015 IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2020 IX Alpha 1 (3-Yr.): 0.08%* Beta 2 (3-Yr.): 0.45%* Standard Deviation 3 (3-Yr.): 1.43% *Calculated against Lipper M-A Tgt 2015 IX Share Price (09/30/2017): $11.68 Size (as of 8/31/2017): $1,345.1m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Capital Income Builder;R American s Income of America;R American s Intmdt Bond of America;R6 9.01% American s Bond of America;R6 8.01% American s Inflation Linked Bond ;R6 6.98% American s Mortgage ;R6 6.0 American s American Mutual ;R American s American High-Income Trust;R % American s Washington Mutual Inv ;R6 5.0 American s Investment Co of America;R6 5.0 Top 10 Holdings (% of total) 72.03% Annual Turnover Ratio 8% total expense ratio (gross): 0.35% Asset Types (as of 06/30/2017) Equities 44.75% Fixed Income 58.38% Cash -3.54% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. Alpha 1 (3-Yr.): 0.06%* Beta 2 (3-Yr.): 0.52%* Standard Deviation 3 (3-Yr.): 1.6% *Calculated against Lipper M-A Tgt 2020 IX Share Price (09/30/2017): $12.60 Size (as of 8/31/2017): $4,009.3m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Intmdt Bond of America;R6 9.0 American s Capital Income Builder;R American s Income of America;R6 6.5 American s Bond of America;R6 6.5 American s American Mutual ;R American s Inflation Linked Bond ;R6 6.0 American s Washington Mutual Inv ;R6 5.5 American s Investment Co of America;R6 5.5 American s US Government Securities Fd;R6 5.5 American s Mortgage ;R6 5.5 Top 10 Holdings (% of total) 62.5 Annual Turnover Ratio 5% total expense ratio (gross): 0.37% Asset Types (as of 06/30/2017) Equities 49.52% Fixed Income 53.54% Cash -3.38% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 1

14 As of: 9/30/2017 Moderate Allocation Columbia:Balanced;Y Ticker: CBDYX The seeks high total return by investing in common stocks and debt securities. Under normal circumstances, the invests in a mix of equity and debt securities. The invests primarily in equity securities of large-capitalization companies and in investment-grade debt securities. As of: 9/30/2017 Target Date American s T2025;R6 Ticker: RFDTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. 14% 12% 1 8% 6% 4% 2% 2.86% 10.85% 7.51% N/A N/A 3.62% % 9.45% 5.65% 14% 12% 1 8% 6% 4% 2% 3.63% 11.59% 6.86% 10.1 N/A 3.26% 11.01% 6.11% 7.79% 4.3 current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt All G IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2025 IX. Alpha 1 (3-Yr.): 0.08%* Beta 2 (3-Yr.): 0.61%* Standard Deviation 3 (3-Yr.): 1.79% *Calculated against Lipper M-A Tgt All G IX Share Price (09/30/2017): $41.05 Size (as of 8/31/2017): $189.9m Began: 11/8/2012 Manager: Leonard Aplet/Guy Pope Manager Tenure: 2012/2012 Columbia Threadneedle Investments One Financial Center Boston, MA total expense ratio (gross): 0.66% Top Holdings (as of 07/31/2017) Columbia Short Term Cash 6.98% Apple Inc ORD 2.61% Facebook Inc ORD 2.08% JPMorgan Chase & Co ORD 1.95% Berkshire Hathaway Inc ORD 1.94% Citigroup Inc ORD 1.92% Microsoft Corp ORD 1.87% Philip Morris International Inc ORD 1.82% Johnson & Johnson ORD 1.66% Comcast Corp ORD 1.55% Top 10 Holdings (% of total) 24.38% Annual Turnover Ratio 6 Asset Types (as of 07/31/2017) Equities 59.78% Fixed Income 32.45% Cash 0.31% Other 7.46% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Moderate allocations do not guarantee profit or protect against loss, and moderatefunds will not always outperform more aggressive funds in down markets. Alpha 1 (3-Yr.): 0.04%* Beta 2 (3-Yr.): 0.6%* Standard Deviation 3 (3-Yr.): 1.84% *Calculated against Lipper M-A Tgt 2025 IX Share Price (09/30/2017): $13.39 Size (as of 8/31/2017): $4,238.7m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 7.0 American s Intmdt Bond of America;R6 6.5 American s Investment Co of America;R6 6.5 American s US Government Securities Fd;R6 6.5 American s American Balanced ;R American s American Mutual ;R American s Global Balanced ;R6 6.0 American s amental Investors;R6 5.5 American s Capital World Bond ;R6 5.0 American s Capital World Gro & Inc Fd;R6 5.0 Top 10 Holdings (% of total) 60.0 Annual Turnover Ratio 5% total expense ratio (gross): 0.39% Asset Types (as of 06/30/2017) Equities 58.51% Fixed Income 44.17% Cash -2.97% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 12 L [exp0418][All States][DC]

15 As of: 9/30/2017 Target Date American s T2030;R6 Ticker: RFETX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. As of: 9/30/2017 Target Date American s T2035;R6 Ticker: RFFTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. 16% 14% 12% 1 8% 6% 4% 2% 4.23% 14.07% 7.88% 11.11% N/A 3.79% 13.18% 6.71% % 1 5% 4.81% 16.14% 8.61% 11.65% N/A 4.16% 15.07% 7.49% 9.57% N/A current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2030 IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2035 IX Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.74%* Standard Deviation 3 (3-Yr.): 2.21% *Calculated against Lipper M-A Tgt 2030 IX Share Price (09/30/2017): $14.26 Size (as of 8/31/2017): $5,137.0m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA total expense ratio (gross): 0.41% Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 8.0 American s US Government Securities Fd;R6 7.5 American s Investment Co of America;R6 7.0 American s American Balanced ;R American s American Mutual ;R American s amental Investors;R6 6.0 American s Global Balanced ;R6 6.0 American s New Perspective ;R6 5.98% American s Capital World Gro & Inc Fd;R6 5.0 American s AMCAP ;R6 4.98% Top 10 Holdings (% of total) 62.46% Annual Turnover Ratio 3% Asset Types (as of 06/30/2017) Equities 69.73% Fixed Income 32.03% Cash -2.04% Other 0.28% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.8%* Standard Deviation 3 (3-Yr.): 2.39% *Calculated against Lipper M-A Tgt 2035 IX Share Price (09/30/2017): $14.59 Size (as of 8/31/2017): $3,650.5m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 8.0 American s Investment Co of America;R6 7.0 American s New Perspective ;R6 7.0 American s AMCAP ;R6 6.5 American s Growth of America;R6 6.5 American s SMALLCAP World ;R6 6.5 American s US Government Securities Fd;R6 6.5 American s American Balanced ;R American s American Mutual ;R American s amental Investors;R6 6.0 Top 10 Holdings (% of total) 66.0 Annual Turnover Ratio 3% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.42% Equities 78.6 Fixed Income 22.14% Cash -1.03% Other 0.29% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 1

16 As of: 9/30/2017 Target Date American s T2040;R6 Ticker: RFGTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. As of: 9/30/2017 Target Date American s T2045;R6 Ticker: RFHTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s % 15% 1 1 5% 5% 4.99% 16.87% 8.85% 11.89% N/A 4.46% 15.87% 7.54% 9.73% 4.73% 5.07% 17.26% % N/A 4.54% 16.49% 7.94% 10.2 N/A current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2040 IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2045 IX. Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.83%* Standard Deviation 3 (3-Yr.): 2.46% *Calculated against Lipper M-A Tgt 2040 IX Share Price (09/30/2017): $14.92 Size (as of 8/31/2017): $3,552.5m Began: 7/27/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 8.0 American s Investment Co of America;R6 7.5 American s AMCAP ;R6 7.0 American s Growth of America;R6 7.0 American s New Perspective ;R6 7.0 American s SMALLCAP World ;R6 7.0 American s American Mutual ;R American s amental Investors;R6 6.5 American s American Balanced ;R American s Capital World Gro & Inc Fd;R6 5.5 Top 10 Holdings (% of total) 68.0 Annual Turnover Ratio 2% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.43% Equities 81.3 Fixed Income 19.1 Cash -0.68% Other 0.28% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.84%* Standard Deviation 3 (3-Yr.): 2.51% *Calculated against Lipper M-A Tgt 2045 IX Share Price (09/30/2017): $15.12 Size (as of 8/31/2017): $2,095.4m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 8.51% American s Investment Co of America;R6 8.5 American s amental Investors;R6 7.5 American s American Mutual ;R American s AMCAP ;R6 7.0 American s Growth of America;R6 7.0 American s New Perspective ;R6 7.0 American s SMALLCAP World ;R6 7.0 American s Capital World Gro & Inc Fd;R6 6.5 American s American Balanced ;R Top 10 Holdings (% of total) 72.01% Annual Turnover Ratio 3% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.43% Equities 82.33% Fixed Income 18.07% Cash -0.65% Other 0.25% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 14 L [exp0418][All States][DC]

17 As of: 9/30/2017 Target Date American s T2050;R6 Ticker: RFITX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. As of: 9/30/2017 Target Date American s T2055;R6 Ticker: RFKTX The seeks to provide for investors that plan to retire around Depending on the proximity to its target date, the will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital % 15% 1 1 5% 5% 5.11% 17.37% 9.05% 12.03% N/A 4.62% 16.78% 7.85% 9.96% N/A 5.12% 17.36% 9.04% 12.02% N/A 4.73% 17.19% 8.12% 10.61% N/A current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt 2050 IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt IX Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.84%* Standard Deviation 3 (3-Yr.): 2.51% *Calculated against Lipper M-A Tgt 2050 IX Share Price (09/30/2017): $14.79 Size (as of 8/31/2017): $1,736.5m Began: 7/13/2009 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 9.01% American s Investment Co of America;R6 9.0 American s amental Investors;R6 8.0 American s American Mutual ;R American s AMCAP ;R6 7.0 American s Growth of America;R6 7.0 American s New Perspective ;R6 7.0 American s SMALLCAP World ;R6 7.0 American s Capital World Gro & Inc Fd;R6 7.0 American s US Government Securities Fd;R6 5.01% Top 10 Holdings (% of total) 74.02% Annual Turnover Ratio 2% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.43% Equities 82.85% Fixed Income 17.55% Cash -0.63% Other 0.23% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 0.85%* Standard Deviation 3 (3-Yr.): 2.52% *Calculated against Lipper M-A Tgt IX Share Price (09/30/2017): $18.45 Size (as of 8/31/2017): $706.8m Began: 2/1/2010 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Washington Mutual Inv ;R6 9.01% American s Investment Co of America;R6 9.0 American s American Mutual ;R American s amental Investors;R6 8.0 American s AMCAP ;R6 7.0 American s Growth of America;R6 7.0 American s New Perspective ;R6 7.0 American s SMALLCAP World ;R6 7.0 American s Capital World Gro & Inc Fd;R6 7.0 American s American Balanced ;R Top 10 Holdings (% of total) 74.01% Annual Turnover Ratio 3% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.45% Equities 82.85% Fixed Income 17.55% Cash -0.63% Other 0.23% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 1

18 As of: 9/30/2017 Target Date American s T2060;R6 Ticker: RFUTX The seeks to provide for investors that plan to retire in Depending on its proximity to its target date, the will seek to achieve the following: growth, income and conservation of capital. Each will attempt to achieve its investment objectives by investing in a mix of American s. As of: 9/30/2017 Large Value JPMorgan:Equity Inc;R6 Ticker: OIEJX The seeks current income through regular payment of dividends with the secondary goal of capital appreciation. The invests 8 of its net assets in the equity securities of corporations that regularly pay dividends, including common stocks and debt securities and preferred stock convertible to common stock % 15% 1 1 5% 5% 5.06% 17.25% N/A N/A N/A 4.73% 17.19% 8.12% 10.61% N/A % 9.79% 13.38% N/A 3.82% % 11.92% 5.93% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper M-A Tgt IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Equity Income IX. Alpha 1 (3-Yr.): N/A* Beta 2 (3-Yr.): N/A* Standard Deviation 3 (3-Yr.): N/A *Calculated against Lipper M-A Tgt IX Share Price (09/30/2017): $12.02 Size (as of 8/31/2017): $130.6m Began: 3/27/2015 Manager: Team Managed American s 333 South Hope Street 52nd Floor Los Angeles, CA Top Holdings (as of 06/30/2017) American s Investment Co of America;R6 9.0 American s Washington Mutual Inv ;R6 9.0 American s American Mutual ;R American s amental Investors;R6 8.0 American s AMCAP ;R6 7.0 American s Capital World Gro & Inc Fd;R6 7.0 American s Growth of America;R6 7.0 American s New Perspective ;R6 7.0 American s SMALLCAP World ;R6 7.0 American s American Balanced ;R Top 10 Holdings (% of total) 74.0 Annual Turnover Ratio 12% Asset Types (as of 06/30/2017) total expense ratio (gross): 0.6 Equities 82.85% Fixed Income 17.55% Cash -0.63% Other 0.23% values, economic conditions, investor perceptions, and liquidity. Bond prices change in response to many factors, including market interest rates, inflation, the credit worthiness of the issuer, liquidity, and investor perception. Investments in bond funds are not guaranteed, and may lose value at any time. Target date funds are not guaranteed to reach a certain value by their target date, and may decline in value at any time. Alpha 1 (3-Yr.): 0.01%* Beta 2 (3-Yr.): 0.9%* Standard Deviation 3 (3-Yr.): 2.69% *Calculated against Lipper Equity Income IX Share Price (09/30/2017): $16.49 Size (as of 8/31/2017): $3,682.3m Began: 1/31/2012 Manager: Simon/Hart Manager Tenure: 2012/2012 JPMorgan s 522 Fifth Avenue 18th Floor New York, NY total expense ratio (gross): 0.51% Top Holdings (as of 06/30/2017) Bank of America Corp ORD 3.07% Wells Fargo & Co ORD 2.92% Johnson & Johnson ORD 2.7 Chevron Corp ORD 2.6 PNC Financial Services Group Inc ORD 2.53% Apple Inc ORD 2.37% BlackRock Inc ORD 2.22% Microsoft Corp ORD 2.04% Occidental Petroleum Corp ORD 2.03% CME Group Inc ORD 2.02% Top 10 Holdings (% of total) 24.5 Annual Turnover Ratio 14% Asset Types (as of 06/30/2017) Equities 99.24% Fixed Income 0.38% Cash 0.38% Other 0.0 values, economic conditions, investor perceptions, and liquidity. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 16 L [exp0418][All States][DC]

19 As of: 9/30/2017 Large Blend Vanguard Instl Indx;Inst Ticker: VINIX The seeks to match the investment performance of the Standard & Poor's 500 Composite Stock Price Index. As of: 9/30/2017 Large Growth CB Large Cap Gr;I Ticker: SBLYX The seeks long-term capital growth by investing in equity securities of firms with large market capitalizations, including U.S. exchanged-traded and over-the-counter common stocks, convertible securities and warrants and rights related to equity securities. Selecting the best value among growth firms is stressed. 2 25% 15% 1 5% 2 15% 1 5% 4.47% 18.57% 10.78% 14.19% 7.43% 4.42% % 13.91% 7.18% 5.28% 18.21% 13.03% 16.86% 9.15% 5.64% 21.44% 11.19% 14.28% 7.56% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper S&P 500 IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Lg-Cap Growth IX. Alpha 1 (3-Yr.): 0.* Beta 2 (3-Yr.): 1.* Standard Deviation 3 (3-Yr.): 2.87% *Calculated against Lipper S&P 500 IX Share Price (09/30/2017): $ Size (as of 8/31/2017): $134,156.6m Began: 7/31/1990 Manager: Donald M. Butler Manager Tenure: 2000 Vanguard Group Inc 100 Vanguard Boulevard Malvern, PA Top Holdings (as of 06/30/2017) Apple Inc ORD 3.6 Microsoft Corp ORD 2.55% Amazon.com Inc ORD 1.84% Facebook Inc ORD 1.71% Johnson & Johnson ORD 1.71% Exxon Mobil Corp ORD 1.64% JPMorgan Chase & Co ORD 1.56% Berkshire Hathaway Inc ORD 1.46% Alphabet Inc ORD % Alphabet Inc ORD Top 10 Holdings (% of total) 18.7 Annual Turnover Ratio 5% Asset Types (as of 06/30/2017) Equities 99.52% Fixed Income 0.02% Cash 0.0 Other 0.41% Alpha 1 (3-Yr.): 0.21%* Beta 2 (3-Yr.): 0.95%* Standard Deviation 3 (3-Yr.): 2.88% *Calculated against Lipper Lg-Cap Growth IX Share Price (09/30/2017): $43.84 Size (as of 8/31/2017): $5,189.9m Began: 10/15/1997 Manager: Bourbeau/Vitrano Manager Tenure: 2009/2012 Legg Mason 100 International Drive Baltimore, MD Top Holdings (as of 06/30/2017) Amazon.com Inc ORD 4.83% Celgene Corp ORD 3.42% Microsoft Corp ORD 3.41% Alphabet Inc ORD 3.16% Visa Inc ORD 3.05% Comcast Corp ORD 2.86% UnitedHealth Group Inc ORD 2.73% Home Depot Inc ORD 2.6 State Street Institutional Treas MM Fd;In 2.56% Facebook Inc ORD 2.55% Top 10 Holdings (% of total) 31.17% Annual Turnover Ratio 13% Asset Types (as of 06/30/2017) Equities 95.84% Fixed Income 2.86% Cash 1.3 Other 0.0 total expense ratio (gross): 0.04% total expense ratio (gross): 0.85% values, economic conditions, investor perceptions, and liquidity. values, economic conditions, investor perceptions, and liquidity. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 1

20 As of: 9/30/2017 Mid-Cap Blend Vanguard Md-Cp Idx;Inst Ticker: VMCIX The seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The employs a "passive management" approach designed to track the performance of the CRSP US Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. As of: 9/30/2017 Small Value Victory:Integrity SCV;R6 Ticker: MVSSX The seeks to achieve long-term capital growth. The invests at least 8 of its assets will invest in equity securities of small-capitalization companies with market capitalizations within the range of companies included in the Russell 2000 Index and up to 25% of its assets in foreign securities. 2 25% 15% 1 5% 2 15% 1 5% 3.43% % % 3.46% 15.96% 8.82% 13.22% 7.32% 5.94% 21.68% 10.49% 14.52% N/A 5.27% 20.17% 11.39% % current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Mid-Cap Core IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Sm-Cap Core IX. Alpha 1 (3-Yr.): -0.09%* Beta 2 (3-Yr.): 1.01%* Standard Deviation 3 (3-Yr.): 3.03% *Calculated against Lipper Mid-Cap Core IX Share Price (09/30/2017): $40.22 Size (as of 8/31/2017): $16,761.6m Began: 5/20/1998 Manager: Donald M. Butler Manager Tenure: 1998 Vanguard Group Inc 100 Vanguard Boulevard Malvern, PA Top Holdings (as of 06/30/2017) Fiserv Inc ORD 0.74% Newell Brands Inc ORD 0.74% Western Digital Corp ORD 0.73% Edwards Lifesciences Corp ORD 0.7 Roper Technologies Inc ORD 0.67% C R Bard Inc ORD 0.65% Lam Research Corp ORD 0.65% Amphenol Corp ORD 0.64% M&T Bank Corp ORD 0.64% Incyte Corp ORD 0.62% Top 10 Holdings (% of total) 6.78% Annual Turnover Ratio 15% Asset Types (as of 06/30/2017) Equities 99.38% Fixed Income 0.02% Cash 0.0 Other 0.6 Alpha 1 (3-Yr.): -0.06%* Beta 2 (3-Yr.): 1.04%* Standard Deviation 3 (3-Yr.): 4.23% *Calculated against Lipper Sm-Cap Core IX Share Price (09/30/2017): $41.17 Size (as of 8/31/2017): $872.3m Began: 6/1/2012 Manager: Team Managed Victory Capital Management Inc 4900 Tiedeman Road 4th Floor Brooklyn, OH Top Holdings (as of 07/31/2017) Synovus Financial Corp ORD 1.72% Ciena Corp ORD 1.24% Stifel Financial Corp ORD 1.23% IBERIABANK Corp ORD 1.23% MGIC Investment Corp ORD 1.23% General Cable Corp ORD 1.2 Western Alliance Bancorp ORD 1.19% EMCOR Group Inc ORD 1.18% First Horizon National Corp ORD 1.15% Trinseo SA ORD 1.15% Top 10 Holdings (% of total) 12.52% Annual Turnover Ratio 58% Asset Types (as of 07/31/2017) Equities 98.73% Fixed Income 0.0 Cash 1.27% Other 0.0 total expense ratio (gross): 0.05% total expense ratio (gross): 1.0 values, economic conditions, investor perceptions, and liquidity. Securities of smaller companies may be more volatile than those of larger companies. values, economic conditions, investor perceptions, and liquidity. Securities of smaller companies may be more volatile than those of larger companies. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 18 L [exp0418][All States][DC]

21 As of: 9/30/2017 Small Blend Delaware SmCp Core;Inst Ticker: DCCIX The seeks long-term capital appreciation. The invests primarily in stocks of small companies that the manager believes have a combination of attractive valuations, growth prospects, and strong cash flows. Under normal circumstances, at least 8 of the 's net assets are invested in small-cap companies. As of: 9/30/2017 Small Growth TRowe Price QM USSCG Ticker: PRDSX The seeks long-term growth of capital by investing primarily in common stocks of small growth companies. The will normally invest at least 8 of its net assets in small-cap growth companies. The seeks to invest in a broadly diversified portfolio of securities. 25% 25% % 15% 1 1 5% 5% 5.97% 23.63% 12.66% 15.47% 8.73% 5.27% 20.17% 11.39% % 4.16% 19.65% 11.93% 15.35% 10.35% 5.89% 18.61% 10.66% 12.59% 6.92% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Sm-Cap Core IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Sm-Cap Growth IX. Alpha 1 (3-Yr.): 0.1%* Beta 2 (3-Yr.): 1.04%* Standard Deviation 3 (3-Yr.): 3.96% *Calculated against Lipper Sm-Cap Core IX Share Price (09/30/2017): $25.36 Size (as of 8/31/2017): $1,961.2m Began: 12/29/1998 Manager: Team Managed Delaware Management Company One Commerce Square 2005 Market Street Philadelphia, PA Top Holdings (as of 07/31/2017) J2 Global Inc ORD 1.48% Minerals Technologies Inc ORD 1.28% Sterling Bancorp ORD 1.26% ESCO Technologies Inc ORD 1.24% Callidus Software Inc ORD 1.22% Merit Medical Systems Inc ORD 1.22% Semtech Corp ORD 1.2 Worthington Industries Inc ORD 1.18% Catalent Inc ORD 1.18% Proofpoint Inc ORD 1.16% Top 10 Holdings (% of total) 12.42% Annual Turnover Ratio 43% Asset Types (as of 07/31/2017) Equities 97.52% Fixed Income 0.0 Cash 2.48% Other 0.0 Alpha 1 (3-Yr.): 0.04%* Beta 2 (3-Yr.): 1.05%* Standard Deviation 3 (3-Yr.): 3.45% *Calculated against Lipper Sm-Cap Growth IX Share Price (09/30/2017): $32.98 Size (as of 8/31/2017): $3,827.7m Began: 6/30/1997 Manager: Sudhir Nanda Manager Tenure: 2006 T. Rowe Price Associates Inc 100 East Pratt Street Baltimore, MD Top Holdings (as of 06/30/2017) SHS SHORT-TERM RESERVE FUND 5.61% Toro Co ORD 0.99% Vail Resorts Inc ORD 0.94% RESERVE INVESTMENT FUNDS INC COM 0.92% Marketaxess Holdings Inc ORD 0.89% Coherent Inc ORD 0.86% Berry Global Group Inc ORD 0.85% Burlington Stores Inc ORD 0.82% Teledyne Technologies Inc ORD 0.8 John Bean Technologies Corp ORD 0.79% Top 10 Holdings (% of total) 13.47% Annual Turnover Ratio 1 Asset Types (as of 06/30/2017) Equities 98.89% Fixed Income 0.0 Cash 0.0 Other 1.11% total expense ratio (gross): 0.99% total expense ratio (gross): 0.81% values, economic conditions, investor perceptions, and liquidity. Securities of smaller companies may be more volatile than those of larger companies. values, economic conditions, investor perceptions, and liquidity. Securities of smaller companies may be more volatile than those of larger companies. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 1

22 As of: 9/30/2017 Foreign Large Value Causeway:Intl Val;Inst Ticker: CIVIX The seeks long-term growth of capital and income by investing primarily in the common stocks of companies in developed countries located outside the United States. As of: 9/30/2017 Diversified Emerging Mkts Harding Loevner:IEM;I Ticker: HLMEX The seeks long-term capital appreciation through investments in equity securities of companies based in emerging markets. 25% 25% % 15% 1 1 5% 5% 6.87% 21.51% 3.88% 7.92% 2.56% 5.67% % 7.71% 0.78% 7.26% 21.94% 6.43% 6.44% 2.61% 7.29% 21.41% 4.96% 4.51% 1.33% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Intl Lg-Cap Vl IX. current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Emerg Mkt Fd IX. Alpha 1 (3-Yr.): -0.41%* Beta 2 (3-Yr.): 0.85%* Standard Deviation 3 (3-Yr.): 3.28% *Calculated against Lipper Intl Lg-Cap Vl IX Share Price (09/30/2017): $16.78 Size (as of 8/31/2017): $7,154.3m Began: 10/26/2001 Manager: Team Managed Causeway Capital Management LLC Santa Monica Boulevard 15th Floor Los Angeles, CA Top Holdings (as of 03/31/2017) Volkswagen AG PFD 4.16% Akzo Nobel NV ORD 3.6 Royal Dutch Shell Plc B ORD 3.22% British American Tobacco PLC ORD 3.06% ABB Ltd ORD 2.9 Schneider Electric SE ORD 2.89% China Mobile Ltd ORD 2.77% Engie SA ORD 2.65% Novartis AG ORD 2.6 KDDI Corp ORD 2.53% Top 10 Holdings (% of total) 30.38% Annual Turnover Ratio 41% Asset Types (as of 03/31/2017) Equities 97.31% Fixed Income 0.8 Cash 0.92% Other 0.97% Alpha 1 (3-Yr.): -0.25%* Beta 2 (3-Yr.): 0.9%* Standard Deviation 3 (3-Yr.): 4.01% *Calculated against Lipper Emerg Mkt Fd IX Share Price (09/30/2017): $21.56 Size (as of 8/31/2017): $4,210.5m Began: 10/17/2005 Manager: Team Managed Harding Loevner LP 400 Crossing Boulevard Fourth Floor Bridgewater, NJ Top Holdings (as of 02/28/2017) Samsung Electronics Co Ltd DR 4.9 Taiwan Semiconductor Manufacturing Co Ltd ORD 4.54% Tencent Holdings Ltd ORD 3.03% Northern Treasury Portfolio;Premier 2.93% AIA Group Ltd ORD 2.59% Sberbank Rossii PAO DR 2.43% NK Lukoil PAO DR 2.26% Itau Unibanco Holding SA DR 2.02% LARGAN Precision Co Ltd ORD 1.91% Axis Bank Ltd ORD 1.88% Top 10 Holdings (% of total) 28.49% Annual Turnover Ratio 2 Asset Types (as of 02/28/2017) Equities 96.36% Fixed Income 1.02% Cash 1.81% Other 0.82% total expense ratio (gross): 0.91% total expense ratio (gross): 1.29% values, economic conditions, investor perceptions, and liquidity. Foreign investments involve greater risk, including political risk, currency fluctuation, weak legal protections, lack of information, and low liquidity. values, economic conditions, investor perceptions, and liquidity. Investing in emerging markets can add risks, which may include high inflation, unstable currency values, political upheaval, little to no legal protection, and unstable economies. Transaction costs are often higher, and there may be delays in settlement. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. 20 L [exp0418][All States][DC]

23 As of: 9/30/2017 Real Estate Principal:Real Est;Inst Ticker: PIREX The seeks to generate total return by investing in equity securities of companies principally engaged in the real estate industry. These firms will derive at least 5 of its assets, incomes or profits from products or services related to the real estate industry. 12% 1 8% 6% 4% 2% 1.33% 1.58% 10.35% % 1.05% 1.87% 8.87% 8.76% 5.82% current to the most recent month-end may be reviewed by calling Average annual returns assume a *The benchmark for this fund is Lipper Real Estate Fd IX. Alpha 1 (3-Yr.): 0.29%* Beta 2 (3-Yr.): 0.62%* Standard Deviation 3 (3-Yr.): 4.09% *Calculated against Lipper Real Estate Fd IX Share Price (09/30/2017): $23.55 Size (as of 8/31/2017): $1,715.2m Began: 3/1/2001 Manager: Rush/Kenkel/Bokota Manager Tenure: 2001/2012/2013 N/A 801 Grand Avenue Des Moines, IA total expense ratio (gross): 0.88% Top Holdings (as of 07/31/2017) Simon Property Group Inc ORD 7.9 Equinix Inc ORD 7.06% Essex Property Trust Inc ORD 5.51% AvalonBay Communities Inc ORD 5.13% Prologis Inc ORD 4.48% Welltower Inc ORD 3.59% Apartment Investment and Management Co ORD 3.44% Alexandria Real Estate Equities Inc ORD 3.36% Regency Centers Corp ORD 3.03% STORE Capital Corp ORD 2.73% Top 10 Holdings (% of total) 46.23% Annual Turnover Ratio 25% Asset Types (as of 07/31/2017) Equities 98.25% Fixed Income 0.66% Cash 1.09% Other values, economic conditions, investor perceptions, and liquidity. Sector funds may be more volatile than funds that diversify across sectors or industries. The prospectus contains important information about the mutual fund's features, risk, policies, charges, expenses, and investment objectives, which you should review and consider carefully along with your own financial circumstances before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. The returns of the mutual fund do not reflect any plan or contract charges or expenses. If these were deducted, the returns would be lower. If applicable, plan sponsors may be able to choose a different share class if certain criteria are met, in which case charges and performance will differ. The tables are provided for informational purposes only and should not be relied upon for making investment decisions. They are not intended to be a recommendation or a solicitation for anyone to buy or sell any securities. Information in each table is not a substitute for, or a summary of, the fund's prospectus. Information provided herein is derived from sources believed to be reliable. However, no representation or warranty (expressed or implied), is made regarding the accuracy of the information, and no independent verification has been, or will be, completed on any of the information presented herein. Prospectuses for the mutual funds offered in your plan are available by calling the Participant Services Center. Please call the telephone number listed on your quarterly statement. MetLife and/or its affiliates receive fees from the mutual fund families and/or their affiliates for providing certain administrative, distribution, and/or recordkeeping services. 1 Alpha is a measure of the difference between a portfolio's actual returns and its expected returns, given its level of market risk, which is known as beta. A positive alpha indicates the portfolio has performed better than predicted, given its level of market risk(beta). A negative alpha indicates a portfolio has underperformed, given the expectations established by the fund's market risk exposure. Alpha may be useful in analyzing a manager's ability to add value on a risk adjusted basis to a portfolio's performance. 2 Beta is a means of measuring the volatility of a security in comparison with the market as a whole. A beta of 1 indicates that the security's price will move with the market. A beta of more or less than 1indicates that the security's price will be more or less volatile, respectively, than the market. 3 Standard Deviation measures the performance volatility of an investment against itself that is, how much the investment goes up or down. The larger the standard deviation, the more likely the investment may experience a return that is far more or far less than its average. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page was supplied by Lipper, A Thomson Reuters Company, Copyright 2017 Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. The asset classes are supplied by Morningstar Investment Management, LLC and are used by permission. L [exp0418][All States][DC] 2

24 NOTES

25 SOUTH CAROLINA STATE OPTIONAL RETIREMENT PROGRAM Your Plan s Lineup Performance NET INVESTMENT PERFORMANCE Vanguard Fed MM;Inv 07/13/ % 0.62% 0.29% 0.18% % 0.11% PIMCO:Real Return;Inst 01/29/ % 0.15% 1.29% -0.11% 4.25% 5.91% 0.64% Met West:Total Return;Pl 07/29/ % 0.37% 2.48% 2.76% N/A % American s T2010;R6 07/13/ % 8.02% 5.39% 6.95% N/A 9.13% 0.35% American s T2015;R6 07/13/ % 8.55% 5.68% 7.75% N/A 9.69% 0.35% American s T2020;R6 07/13/ % 9.67% % N/A 10.53% 0.37% Columbia:Balanced;Y 11/08/ % 10.85% 7.51% N/A N/A % American s T2025;R6 07/13/ % 11.59% 6.86% 10.1 N/A 11.72% 0.39% American s T2030;R6 07/13/ % 14.07% 7.88% 11.11% N/A 12.52% 0.41% American s T2035;R6 07/13/ % 16.14% 8.61% 11.65% N/A 12.84% 0.42% American s T2040;R6 07/27/ % 16.87% 8.85% 11.89% N/A 11.98% 0.43% American s T2045;R6 07/13/ % 17.26% % N/A 13.06% 0.43% American s T2050;R6 07/13/ % 17.37% 9.05% 12.03% N/A 13.08% 0.43% American s T2055;R6 02/01/ % 17.36% 9.04% 12.02% N/A 11.33% 0.45% American s T2060;R6 03/27/ % 17.25% N/A N/A N/A 9.02% 0.6% JPMorgan:Equity Inc;R6 01/31/ % 9.79% 13.38% N/A 13.61% 0.51% Vanguard Instl Indx;Inst 07/31/ % 18.57% 10.78% 14.19% 7.43% 9.76% 0.04% CB Large Cap Gr;I 10/15/ % 18.21% 13.03% 16.86% 9.15% 8.68% 0.85% Vanguard Md-Cp Idx;Inst 05/20/ % % % 9.96% 0.05% Victory:Integrity SCV;R6 06/01/ % 21.68% 10.49% 14.52% N/A 16.13% 1% Delaware SmCp Core;Inst 12/29/ % 23.63% 12.66% 15.47% 8.73% 11.16% 0.99% TRowe Price QM USSCG 06/30/ % 19.65% 11.93% 15.35% 10.35% 7.77% 0.81% Causeway:Intl Val;Inst 10/26/ % 21.51% 3.88% 7.92% 2.56% 7.99% 0.91% Harding Loevner:IEM;I 10/17/ % 21.94% 6.43% 6.44% 2.61% 7.89% 1.29% Principal:Real Est;Inst 03/01/ % 1.58% 10.35% % 11.91% 0.88% Current performance may be lower or higher than the performance quoted in the previous pages. Each mutual fund share class is indicated in parentheses next to the mutual fund name, if applicable. All mutual funds offered in the plan will be purchased at net asset value. To access the most current information about your own plan account and the most recent month-end performance data, log onto: mlr.metlife.com and click on the Investments tile. The Average Annual Total Returns assume a steady compounded rate of return. It is not the mutual fund's year-by-year results, which actually vary over the periods shown. All distributions are assumed to be reinvested. The one, five and ten-year or since inception Average Annual Total Return figures shown above are required by the Securities Exchange Commission to advertise performance for mutual funds. The three-year figure is calculated in the same manner and is shown as additional information. These returns reflect performance of shares at net asset value, with no sales charges. Other fees and expenses do apply to a continued investment and are described in the current prospectus. The Year to Date Return is calculated in the same manner as the Average Annual Total Return and represents the return from the first of the year to the date of this performance sheet. The figures shown reflect past performance, which is not a guarantee of future results. The investment return and principal value of an investment will fluctuate and shares, when redeemed, may be worth more or less than their original cost. There is no assurance a mutual fund will attain its investment objective. Amounts in the mutual funds are subject to risk of loss, and you will have a gain or loss when shares are redeemed. 23

26 24 Fee disclosure About your mutual fund select portfolios ( MFSP ) account: MFSP is a program that MetLife makes available to participants in retirement plans and deferred compensation arrangements that are permitted to invest their plan accounts in mutual fund shares. Your employer or a third party appointed by your employer (other than MetLife) selects the mutual funds (each a ) that are offered as investment options under its plan. Mutual funds and fixed account annuity products that are subject to a market adjusted value are sold by prospectus, which is available from your registered representative. Please carefully consider investment objectives, risks, charges, and expenses before investing. For this and other information about any mutual fund investment or the fixed annuities that are subject to market adjusted value, please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that mutual fund shares may be worth more or less than original cost when redeemed. Withdrawals from the annuity are also subject to withdrawal charges. Your expenses for investing in the MFSP funds: You pay investment management fees, other expenses, 12b-1 fees and redemption fees (if any) on each in your plan MFSP account. These fees and expenses vary by the. Please refer to each s prospectus for a description of these fees and expenses. MetLife compensation received from the funds: MetLife and/or its affiliates also receive compensation from the s and/or their affiliates with respect to participant account balances for certain recordkeeping, administration and distribution services, which also vary by. Different s provide MetLife and/or its affiliates different amounts and types of compensation, which change from time to time. Accordingly, compensation received by MetLife varies over time based on the amounts and types of compensation paid by the s, s that are made available under the plan and participants account allocations in the various s. MetLife may pay all or a portion of such compensation to unaffiliated broker dealer, MML Investors Services, LLC, for certain services provided on MetLife s behalf. Plan administrative fees and other expenses paid by you and/or the plan: MetLife receives compensation for administrative and recordkeeping services it provides for the plan. Depending on the arrangement authorized by your employer, MetLife s compensation for these services (1) consists of (a) the compensation it receives from s (described above), (b) a separate per participant fee or basis point fee on plan assets, or (c) a combination of both; and (2) generally, is paid by charging participants plan accounts or from the plan expense account. At the employer s direction, MetLife also may be required to charge participants plan accounts or the plan expense account and remit fees to third parties for plan services they provide, such as administrative, trust, custodial, investment advisory, or consulting services they provide. Please see below for additional information about the way that plan administrative fees and other expenses are paid by you and/or the plan. An annual plan administrative fee of 22 basis points (or 0.22%) on mutual fund assets in your State ORP account with MetLife will be charged in quarterly installments. This fee will be offset by fund compensation that MetLife receives with respect to mutual fund assets in your State ORP account. If your employer directs MetLife to pay fees that are charged by other third parties for the services they provide to the plan, the annual plan administrative fee may be increased and/or the compensation retained by MetLife may be net of such payments. Reliance Trust Company (RTC) provides directed trust and/or custodial services for your plan. Your employer has authorized and directed MetLife to pay RTC s fee on behalf of the plan. The fee is paid from the compensation that MetLife receives with respect to plan assets or from administrative fees charged to participants MFSP accounts or to the plan. If these fees change, you will be notified.

27 25 Upon written request, MetLife will provide the current rates of compensation for s in your plan and any related information reasonably requested. Please direct any such request to MetLife Resources, North Community House Road, Client Services, Mail Stop 3.663, Charlotte, NC Please make sure you understand all the fees and expenses related to the investment of your MFSP account in the s. If you need additional information, please contact MetLife at the address indicated above. Disclosure materials: You have received a Fact Sheet regarding each MFSP available in your plan. If your plan offers a fixed annuity that is subject to a market adjusted value, you have been provided a prospectus for that product. You will also be provided with a prospectus for each MFSP when your contribution is first allocated to that. Withdrawals from the annuity are also subject to withdrawal charges. If you would like to receive other prospectuses (or any other disclosure information), please call your representative. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page were supplied by Lipper, A Thomson Reuters Company, Copyright 2010, Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

28 26 Important enrollment disclosures Mutual fund select portfolios disclosure statement About your MFSP account: MFSP is a program that Metropolitan Life Insurance Company and its affiliates ( MetLife ) make available to participants in retirement plans and deferred compensation arrangements that are permitted to invest their plan accounts in mutual fund shares. Your employer or a third party appointed by your employer (other than MetLife or any of its affiliates) selects the mutual funds ( s ) that are offered as investment options under its plan. Investment risks: Mutual funds are sold by prospectus, which is available from your registered representative. Please carefully consider investment objectives, risks, charges, and expenses before investing. For this and other information about any mutual fund investment, please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that mutual fund shares may be worth more or less than original cost when redeemed. Your expenses for investing in the MFSP funds: You pay investment management fees, other expenses, 12b-1 fees and redemption fees (if any) on each mutual fund investment in your plan MFSP account. These fees and expenses vary by the. Please refer to each s prospectus for a description of these fees and expenses. MetLife compensation received from the funds: Metropolitan Life Insurance Company and/or its affiliates also receive compensation from the s and/or their affiliates with respect to participants account balances for certain recordkeeping, administration and distribution services, which also vary by. Different s provide MetLife and/or its affiliates different compensation. Therefore, this compensation may vary over time based on the s that are made available under the plan and participants account allocations in the various s. MetLife may pay all or a portion of such compensation to an unaffiliated broker dealer, MML Investors Services, LLC, for certain services provided on MetLife s behalf. Upon written request, MetLife will provide the current rates of compensation for s in your plan and any related information reasonably requested. Please direct any such request to MetLife Resources, North Community House Road, Client Services, Mail Stop 3.663, Charlotte, NC Please make sure you understand all the fees and expenses related to the investment of your MFSP account in the s. If you need additional information, please contact MetLife at the address indicated above. Plan expense account: Your employer may establish an account under your plan for the payment of plan expenses. Depending on the arrangement authorized by your employer, MetLife may credit this account with all or a portion of the compensation it receives from MFSP s (described in the preceding paragraph). Plan administrative fees and other expenses paid by you and/or the plan: MetLife receives compensation for administrative and recordkeeping services it provides for the plan. Depending on the arrangement authorized by your employer, MetLife s compensation for these services (1) consists of (a) the compensation it receives from s (described above), (b) a separate per participant fee or basis point fee on plan assets, or (c) a combination of both; and (2) generally, is paid by charging participants plan accounts, or, at the employer s direction, from the plan expense account. At the employer s direction, MetLife also may be required to charge participants plan accounts or the plan expense account and remit fees to third parties for plan services they provide, such as administrative, trust, custodial, investment advisory, or consulting services.

29 27 For information about your plan s fee arrangement with MetLife, please see the Mutual Select Part/alias Disclosure Statement that has been prepared specifically for your plan, which is included in the Enrollment book or can be obtained from the representative or your employer. Investment instructions: You may give investment instructions on any Business Day (which usually includes all days the New York Stock Exchange is open). You must call the Service Center on the telephone number listed on your quarterly statement before 4:00 p.m. Eastern Time (or the earlier close of regular trading on the NYSE) in order for us to process your investment instructions on the same Business Day. Any investment instructions received in good order after that time will be processed on the next Business Day. In addition, your plan may impose additional restrictions on investment transactions. Investment advice/recommendations: Neither MetLife, nor any of its employees or agents, will provide investment recommendations or give investment advice of any kind in regard to your plan MFSP account. By signing the Enrollment Form, you confirm that no MetLife employee or agent made any investment recommendations or gave any investment advice of any kind. If you re interested in asset allocation services, please ask your representative. Prospectus: You have been provided a fund fact sheet or prospectus for each of the MFSP s available in your plan. If you allocate plan contributions or transfer any part of your plan account into a for which you do not have an account balance, you will be provided a prospectus for that. Whenever you want a prospectus (or any other disclosure information), please call your representative. Securities are distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA).

30 28 Our Privacy Notice We know that you buy our products and services because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers. Personal information here means anything we know about you personally. Section I Protecting your information We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us. Section II Collecting your information We typically collect your name, address, age, and other relevant information. For example, we may ask about your: finances creditworthiness employment health We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates include life, car, and home insurers. They also include a legal plans company, and securities broker-dealers. In the future, we may also have affiliates in other businesses. Section III How we get your information We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don t control the accuracy of information outside sources give us. If you want to make any changes to information we receive from others about you, you must contact those sources. Section IV Using your information We collect your personal information to help us decide if you re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to: administer your products and services process claims and other transactions perform business research confirm or correct your information market new products to you help us run our business comply with applicable laws CPN-IB-MLR (02/17) Page 1 Fs

31 29 Section V Sharing your information with others We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor. Before sharing your information with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out. Other reasons we may share your information include: doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas) telling another company what we know about you if we are selling or merging any part of our business giving information to a governmental agency so it can decide if you are eligible for public benefits giving your information to someone with a legal interest in your assets (for example, creditor with a lien on your account) giving your information to your health care provider those listed in our Using Your Information section above HIPAA We will not share your health information with any other company even one of our affiliates for their own marketing purposes. If you have dental, long term care, or medical insurance from us, the Health Insurance Portability and Accountability Act ( HIPAA ) may further limit how we may use and share your information. Section VI Accessing and correcting your information You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably retrievable and within our control. You must make your request in writing, listing the account or policy numbers with the information you want to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law. If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone outside MetLife. Section VII Questions We want you to understand how we protect your privacy. If you have any questions about this notice, please contact us. When you write, include your name, address, and policy or account number. Send privacy questions to: MetLife Privacy Office P. O. Box 489 Warwick, RI privacy@metlife.com We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide this privacy notice to you on behalf of these MetLife companies: Metropolitan Life Insurance Company MetLife Investors Distribution Company CPN-IB-MLR (02/17) Page 2 Fs

32

33 Participant Enrollment 401(a) Plan South Carolina Optional Retirement Program Participant Information Are you a U.S. Citizen? Yes No If not, what is your country of citizenship? Last Name First Name MI Social Security Number Mailing Address Address City State Zip Code Mo Day Year Female Male ( ) ( ) Home Phone Work Phone Date of Birth Married Unmarried Occupation/Title Employee Number Name of Spouse Payroll Information The compensation paid to me each pay period will be reduced by the amount or percent on my Salary Reduction Agreement with my Employer and will be contributed to the Plan on my behalf as indicated below. If my Employer has elected to have me use this form to make a Salary Reduction Agreement, I hereby authorize my Employer to reduce my compensation by the amounts shown below on and after the Payroll Effective Date and to contribute such amounts to the Plan on my behalf, and by remitting the amount elected below, my Employer agrees to reduce my compensation and contribute such amounts to the Plan on my behalf in accordance with this Salary Reduction Agreement. Before-Tax - The total amount that you may contribute to all plans each year is 8.16% % of your annual compensation. The amount that you may contribute is not to exceed the annual maximum contribution allowable under Internal Revenue Code and applicable regulations and/or the provisions of your Plan. % (per pay period) of my compensation as before-tax contributions I understand that these contributions will be withheld from my paycheck and contributed by the employer to the Plan on my behalf for allocation to my before-tax account. Payroll Effective Date: Date of Hire: Mo Day Year Mo Day Year Investment Option Information (applies to all contributions) - Please refer to your enrollment materials for information regarding each investment option. Mutual Select Portfolio ("MFSP") ing Options INVESTMENT FUNDING OPTION NAME OPTION CODE GTS Fixed Account (Traditional) G2XT3R American s 2010 Trgt Date Retire R RFTTX American s 2015 Trgt Date Retire R RFJTX American s 2020 Trgt Date Retire R RRCTX American s 2025 Trgt Date Retire R RFDTX American s 2030 Trgt Date Retire R RFETX American s 2035 Trgt Date Retire R RFFTX American s 2040 Trgt Date Retire R RFGTX American s 2045 Trgt Date Retire R RFHTX American s 2050 Trgt Date Retire R RFITX American s 2055 Trgt Date Retire R RFKTX American s 2060 Target Date Ret R RFUTX Causeway International Value Instl CIVIX Additional Feature % % % % % % % % % % % % % FUNDING OPTION NAME MET FENRAP ][07/07/16)( ADD NUPART INVESTMENT OPTION CODE Harding Loevner Instl Emerg Mkts I... HLMEX % Principal Real Estate Securities Inst... PIREX % Delaware Small Cap Core I... DCCIX % Victory Integrity Small Cap Value R6... MVSSX % T. Rowe Price QM US Small-Cap Growth Eq... PRDSX % Vanguard Mid Cap Index I VMCIX % ClearBridge Large Cap Growth I... SBLYX % Vanguard Institutional Index... VG-IND % Columbia Balanced Y... CBDYX % JPMorgan Equity Income R6... OIEJX % Metropolitan West Total Return Bond Plan... MWTSX % PIMCO Real Return Instl... PRRIX % Vanguard Federal Money Market Inv... VMFXX % MUST INDICATE WHOLE PERCENTAGES =10 Rebalancing Program: Allows you to design a portfolio with a certain percentage in each fund and will rebalance to make sure the portfolio maintains the same asset allocation. You choose how frequently your portfolio is rebalanced (select one): Quarterly Semi-Annually Annually ][GP34/DOC ID: )( Page 1 of 15

34 Last Name First Name M.I. Social Security Number Number Account Beneficiary Designation Subject to and in accordance with the terms of the plan, I am making the following beneficiary designations for my vested account balance in the event of my death. If I have more than one primary beneficiary, the account will be divided as specified. If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries. Contingent beneficiaries will receive a benefit only if there is no surviving primary beneficiary, as specified. If a contingent beneficiary predeceases me, their share will be allocated among the surviving contingent beneficiaries. If I fail to designate beneficiaries, amounts will be paid pursuant to the terms of the Plan Document or applicable state law. This designation is effective upon execution and delivery to MetLife at the address below. I have the right to change the beneficiary designations. If any information is missing, additional information may be required prior to recording my designation. This designation supersedes all prior designations. Beneficiaries will share equally if percentages are not provided and any amounts unpaid upon death will be divided equally. Primary and contingent beneficiaries must separately total The number of primary or contingent beneficiaries you may name is not limited. Attach an additional sheet, if necessary for additional beneficiaries. Primary Beneficiary(ies) #1. % of Account Balance Primary Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number #2. % of Account Balance Primary Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number #3. % of Account Balance Primary Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number Contingent Beneficiary(ies) #1. % of Account Balance Contingent Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number #2. % of Account Balance Contingent Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number #3. % of Account Balance Contingent Beneficiary Name Relationship Social Security Number Date of Birth Street Address City State Zip Code ( ) Phone Number Suitability Information (Not Required for Self-Enrollments) Number of Dependents: Ages: Federal Tax Bracket: % Annual Expenses (recurring) $ (e.g., rent, mortgage, long-term debts, utilities, alimony or child support, etc.) MET FENRAP ][07/07/16)( ADD NUPART NO_GRPG 18210/][GP34 DOC ID: )( Page 2 of 15

35 Last Name First Name M.I. Social Security Number Number Special Expenses (if any) (future, non-recurring) $ (e.g., home purchase/remodeling, car purchase or repairs, education, medical expenses, etc. If no Special Expenses amount provided, it will be assumed that client has no Special Expenses.) Timeframe for Special Expenses: within years What is the total value of all your existing assets? (Including: investments, real estate, bank accounts, and personal property) $0 - $500,000 $500,000 - $1,000,000 $1,000,000 - $5,000,000 $5,000,000 + Estimated Annual Income (not including income from this investment): $ Net Worth (assets less liabilities - excluding value of primary residence): $ Liquid Net Worth: $ (The amount of this investment and cash (including checking, savings, etc.) and assets that can be turned into cash quickly and easily. Exclude your personal property, personal residence, real estate, business equity, home furnishings, autos and assets subject to substantial penalties/sales charges.) Prior Investment Experience and Current Holdings (if any) (Choose all that apply and provide years of experience and current value, if any, next to "$". Blank dollar value fields will be assumed to be $0.) Annuities years/ $ Bonds years/ $ CDs years/ $ Exchange Traded s (ETFs)/Notes years/ $ General/Ltd. Partnerships years/ $ Hedge s years/ $ Life Insurance (cash value) years/ $ Margin Experience years/ $ Money Markets years/ $ Mutual s years/ $ Options years/ $ Private Placement years/ $ Reverse Mortgage years/ $ Stocks years/ $ Unit Investment Trusts years/ $ Other (specify), years/ $ None Investment Objective: Capital Preservation (seeks income and stability with minimal risk) Income (seeks current income over time) Growth and Income (seeks capital appreciation over long term combined with current dividend income) Growth (seeks capital appreciation over long term) Aggressive Growth (seeks maximum capital appreciation over time by investing in speculative and/or higher risk securities) Time Horizon for Investments Within This Account (select one): Short-Term (1-4 years) Intermediate-Term (5-9 years) Long-Term (10+ years) Risk Tolerance (select one): Conservative Conservative to Moderate Moderate Moderate to Aggressive Aggressive Source of s (select all that apply): Salary Reduction/Bonus/Employer Transfer of Assets* (Type of Plan: ) Rollover* (Type of Plan: ) Other (please explain): Amount of Rollover/Transfer: $ *If permitted by Plan. Complete any required switch or replacement disclosure forms. Do you anticipate making a withdrawal other than pursuant to a systematic withdrawal plan before you attain age 59 1/2? Yes No Are you or an immediate family member associated with a Financial Industry Regulatory Authority (FINRA) member firm? Yes No MET FENRAP ][07/07/16)( ADD NUPART NO_GRPG 18210/][GP34 DOC ID: )( Page 3 of 15

36 Last Name First Name M.I. Social Security Number Number Annuity Contract Only: Purpose of Annuity Contract (select one): Income: Primary purpose is to satisfy income needs in the future through annuitization or withdrawals. Estate Planning: Primary purpose is to transfer wealth to beneficiaries upon death. Wealth Accumulation: Primary purpose is long term accumulation of value without express desire for "retirement income" or "estate planning." Retirement Planning: Primary purpose is long term accumulation of value specifically to meet or supplement income needs upon retirement. Other Are you a member of the military services or a dependent of a member of the military services? Yes No (If "Yes," please leave the Important Information for Members of the Military Services and their Dependents with the Applicant.) Do you have any existing life insurance or annuity contracts? Yes No (If "Yes," the applicable disclosure and replacement forms must be attached.) Will the proposed annuity replace, discontinue, or change an existing policy or contract? Yes No (If "Yes," the applicable disclosure and replacement forms must be attached.) Please submit any required transfer paperwork for processing the transaction. Also, any required disclosure forms (State Replacement forms annuities/life as funding source, where applicable) or Switch forms (annuities or mutual funds as funding source). What is the existing face value of all your life insurance policies? $ Participant Agreement and Required Signature(s) I agree to the terms and conditions stated in this Participant Enrollment form with respect to the account that is established with it. I agree that this account is subject to all of the terms and conditions of my employer's written plan. Fees and Expenses: I acknowledge and agree that the fees described in the Mutual Select Portfolio Disclosure Statement will apply to my account and are payable to Metropolitan Life Insurance Company for administrative and recordkeeping services for the MFSP portion of my plan account. I understand that I will also pay fees and expenses for each mutual fund in which I have an investment. I further understand that mutual funds may impose redemption fees on certain transfers, redemptions or exchanges if assets are held less than the period stated in the mutual fund's prospectus or other disclosure documents. I acknowledge that I will pay fees and expenses for variable annuity products and their investment options, and that certain withdrawal charges may apply for both variable and fixed annuities. For more information on fees and expenses, I will refer to the respective mutual fund and/or annuity prospectus. Investment Options: I understand that by signing and submitting this Participant Enrollment form for processing, I am requesting to have the account that is established under this form allocated to the investment options under the Plan that I have selected in accordance with the Investment Option Information section of this form. I understand and acknowledge that all payments and account values, when based on the investment of a variable annuity or a mutual fund option, are not guaranteed and may fluctuate, and upon redemption, units or shares may be worth more or less than their original cost. I understand the risks of investing. For all the investments I have chosen, I acknowledge that I have received the fund fact sheet or prospectus for each mutual fund in which I am making an allocation, and, as applicable, a prospectus for the Fixed Account Annuity and a prospectus for the variable annuity options. Annuity products offered are issued by MetLife Insurance Company USA, Charlotte, NC or Metropolitan Life Insurance Company, New York, NY I also acknowledge the receipt of other disclosures, including, as applicable to my account: General Information About Your Mutual Select Portfolio (MFSP) Account, MFSP Disclosure Statement, Compensation Disclosure Notice, Privacy Notice, Business Continuity Plan Disclosure, 403(b)(7) Custodial Agreement, Fixed Annuity Disclosure and Making an Informed Decision Disclosure, and the specific MFSP Disclosure Statement for my plan. Withdrawal Restrictions: I understand that the Internal Revenue Code (the "Code") and/or my employer's plan may impose restrictions on the availability of certain monies (amounts contributed and accruing after December 31, 1988) under Retirement Plans including 401(k), 403(b) and 457(b) plans. The restricted monies generally may not be distributed to participants before the occurrence of one of the following, as allowed by the employer's written plan: attainment of a specified age (generally age 59 1/2 for 403(b) plans, age 65 for 401(k) plans, and age 70 1/2 for 457(b) plans); severance of employment with the employer (due to total disability, retirement, termination or otherwise); financial hardship as defined under present or future IRS regulations (in which case only elective deferrals may be withdrawn); or death of participant. Certain exceptions apply to distributions from custodial accounts, from amounts contributed pursuant to a tax free rollover received from an IRA or another employer plan, of after-tax contributions, pursuant to qualified hurricane, disaster or recovery assistance legislation and due to plan terminations. With limited exceptions, withdrawals before age 59 1/2 are subject to a 1 Federal tax penalty (except for 457(b) plans). Withdrawals are generally subject to ordinary Federal income taxes. State income taxes may also apply. However, distributions attributable to designated Roth contributions, and the earnings on such contributions distributed after the applicable five-tax-year period, may not be subject to ordinary Federal income tax. Surrender charges may apply to distributions from the annuity products. Upon discontinuance of the annuity by your employer, distributions from the annuity products may be subject to a market value adjustment which may increase or decrease the value of your account. Any market value adjustment would not apply to transfers to approved products within the plan or on account of benefit responsive withdrawals initiated by participant, such as on account of your retirement, separation from service, distribution for a loan under the plan or Code hardship withdrawals. Please see your MetLife representative for more details. Compliance With Employer's Written Plan and/or the Code: I agree that my Employer Representative may take any action that may be necessary to ensure that my participation in the Plan is in compliance with any applicable requirement of employer's written plan and/or the Code. I understand that the maximum annual limit on contributions is determined under the employer's written plan and/or the Code. I understand that I am solely liable for any tax, penalty, or related costs if contributions made on my behalf exceed any applicable contribution limits. If I participated during the year in a retirement plan maintained by another employer, it is my responsibility to ensure that I do not exceed any applicable contribution limits. I understand that if I am enrolling in a 403(b) plan and wish to invest in MFSP, either I or my Employer is required to establish an IRC section 403(b)(7) custodial account for such mutual fund investments. If my Employer has not signed a 403(b)(7) Custodial Agreement, I further acknowledge that I am adopting the 403(b)(7) Custodial Agreement by signing this Participant Enrollment form. MET FENRAP ][07/07/16)( ADD NUPART NO_GRPG 18210/][GP34 DOC ID: )( Page 4 of 15

37 Last Name First Name M.I. Social Security Number Number Incomplete Forms: I understand that my Participant Enrollment form must be complete and received by MetLife at the address below in time to process it prior to the receipt of any deposits. If not complete, I specifically consent to MetLife retaining all monies received and allocating them to the default investment option selected by the Plan. If no default investment option is selected, funds will be returned as required by law. I understand that I must call Service Provider or access the Web site in order to transfer monies from the default investment option. Account Corrections: I understand that it is my obligation to review all confirmations and quarterly statements for discrepancies or errors. Corrections will be made only for errors which I communicate within 90 calendar days of the last calendar quarter. After this 90 days, account information shall be deemed accurate and acceptable to me. If I notify Service Provider of an error after this 90 days the correction will only be processed from the date of notification forward and not on a retroactive basis. Required Signature(s): My signature acknowledges that I have received, read, understand and agree to all pages of this form, and affirms that all information that I have provided is true and correct. I understand that MetLife is required to comply with the regulations and requirements of the Office of Foreign Assets Control, Department of the Treasury ("OFAC"). As a result, MetLife and its Service Providers cannot conduct business with persons in a blocked country or any person designated by OFAC as a specially designated national or blocked person. For more information, please access the OFAC Web site at: Your Plan is subject to spousal consent requirements under Employee Retirement Income Security Act (ERISA) and/or your Plan Document. If you designate primary beneficiary(ies) other than your spouse, such designation will not be effective unless the spouse indicates agreement with the designation by signing the Spousal Consent section of this form. Participant Signature A handwritten signature is required on this form. An electronic signature will not be accepted and will result in a significant delay. Date City and State where signed Representative Acknowledgement Forward to MetLife at: MetLife 4700 Westown Pkwy, Ste 200 West Des Moines, IA Phone #: Fax #: Web site: I acknowledge that I have delivered the fund fact sheet or prospectus for each mutual fund in which the participant is making an allocation, and, as applicable, a prospectus for the Fixed Account Annuity and a prospectus for the variable annuity options. Annuity products offered are issued by MetLife Insurance Company USA, Charlotte, NC or Metropolitan Life Insurance Company, New York, NY I also acknowledge that I have delivered the applicable Enrollment Disclosure Package, which may include the General Information About MFSP and MFSP Disclosure Statement, Compensation Disclosure Notice, Privacy Notice, Business Continuity Plan Disclosure, Making an Informed Decision, and the Fixed Annuity Disclosure. For participants who have selected the MetLife Annuity Option: Does the applicant have existing life insurance policies or annuity contracts? Yes No (If "Yes," applicable disclosure and replacement forms must be attached.) Will the contract applied for replace any existing life insurance or annuity contracts on the Annuitant's life? Yes No (If "Yes," applicable disclosure and replacement forms must be attached.) Employer Representative Signature District Agency Index # (DAI) Printed Representative Name (First, Middle, Last) Date Regional Office Approval and/or Principal Approval: Print Name: Signature: Variable products offered by MetLife Investors Distribution Company (MLIDC) (member FINRA), 1095 Avenue of the Americas, New York, NY Annuities are issued by MetLife Insurance Company USA, Charlotte, NC or Metropolitan Life Insurance Company (MLIC), New York, NY All are MetLife companies. MET FENRAP ][07/07/16)( ADD NUPART NO_GRPG 18210/][GP34 DOC ID: )( Page 5 of 15

38 NOTES

39 30 Access your retirement account To help monitor and manage your plan account, you can obtain information and make transactions virtually 24 hours a day, 7 days a week*. You may access your account in two ways: Log onto mlr.metlife.com Account access virtually 24/7* mlr.metlife.com Call Through either the website or the toll-free telephone number, you can obtain: Account balance Transfer history Contribution amount (deferral amount) Monthly mutual fund performance Contribution history fact sheets Current allocations You can also: Use the financial calculators Rebalance investments Change contribution amount (deferral amount) Change Personal Identification Number (PIN) Redirect future contributions Opt in to receive paperless, electronic account documents In addition, you can speak to a Client Service Representative, Monday through Friday from 9:00 a.m. to 8:00p.m. (Eastern Time). * Access to the website and phone system may be limited or unavailable during periods of peak demand, market volatility, system upgrades/ maintenance, or other reasons. Transfer requests made via the website received and in good order on business days prior to the close of the New York Stock Exchange (4:00 p.m. Eastern Time or earlier on some holidays or in other special circumstances) will be processed at the close of business the same day the request was received. Requests received after this time are processed on the next business day.

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41 31 Focus on your future With proper planning and action, you can get on track for a comfortable retirement today. The sooner you enroll in the South Carolina s State Optional Retirement Program, the more you may be able to enjoy the benefits in the future. Contact your representative today. Mutual s are sold by prospectus only, which is available from your registered representative. Please carefully consider investment objectives, risks, charges, and expenses before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. Diversification cannot eliminate the risk of investment losses, and past mutual fund performance is not a guarantee of future results. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. The Registered Fixed Account Option of the Gold Track Select Variable Annuity credits an annual interest rate declared by Brighthouse Life Insurance Company. The Gold Track Select Annuity is issued on policy form numbers L-14666, L-14669, L-14672, L CA, L MO, L MO, L ND, L ND, L NE, L NE, L-14634A, L NYNON4223, L NYNON4223, L NY4223, L NY4223, L OR, L OR, L OR, L PA, L PA, L PA, L TX, L TX, L TX, L UT, L UT, L WA, L WA, L WI, L WI, L WI by Brighthouse Life Insurance Company, North Community House Road, Charlotte, NC Annuities are issued by Brighthouse Life Insurance Company, Charlotte, NC and in New York only by Brighthouse Life Insurance Company of NY, New York, NY Variable annuity products are distributed through Brighthouse Securities, LLC (member FINRA). Product guarantees are solely the responsibility of Brighthouse Life Insurance Company or in New York only Brighthouse Life Insurance Company and not MetLife. MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates. Brighthouse Financial is a service mark of Brighthouse Financial, Inc. or its affiliates. Securities distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIDC and MetLife are not affiliated with Lipper, Inc. and Thomson Reuters Company. Certain mutual fund performance information contained on this page were supplied by Lipper, A Thomson Reuters Company, Copyright Thomson Reuters. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.