Focus on your future. Plan your retirement with NJ ABP & ACTS

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1 Retirement Savings Plan Focus on your future Plan your retirement with NJ ABP & ACTS NJ ABP & ACTS

2 1 Start planning for a comfortable retirement As part of your employee benefits package, you may be eligible to participate in the New Jersey Alternate Benefit Program (ABP) and/or the Additional Contributions Tax Sheltered (ACTS) Program. MetLife* is proud to be an approved retirement savings plan provider. MetLife, together with its affiliated companies, provides administrative and recordkeeping services for your plans, which are funded with annuity products issued by Brighthouse Life Insurance Company. The NJ ABP is a 401(a) defined contribution plan for eligible employees of the NJ Higher Education System. It offers an opportunity to help you save for retirement. If you are eligible for the ABP, the Program mandates that you make a contribution of 5 percent of your base salary. Your employer is required to make a contribution of 8 percent of your base salary on your behalf. The ACTS Program is a voluntary 403(b) defined contribution plan. Regardless of whether you are eligible to participate in the ABP, you can participate in the ACTS Program. Because it is voluntary, you determine how much of your salary you want to contribute, subject to limits imposed by the Internal Revenue Code of 1986, as amended ( IRC ) and plan limitations. Whether you re eligible for the ABP or ACTS Program, or both, there can be benefits to participating. It s easy. Automatic salary reduction makes saving easier. Money is automatically deducted from your pay and deposited directly into your plan account. No checks to write or deposits to worry about. Begin saving today! Enrollment forms are available in the back of this book; just fill them out and send them in! It s smart. Contributions are deducted from your salary and are not subject to federal income tax withholding (certain exceptions may apply). This means your tax savings are immediate and you don t have to pay federal income taxes on money in your plan account until you take money out of your employer s retirement plan. 1 Since your contributions are excluded from your gross income when you get paid, you ll pay less in tax withholding each pay period allowing you to put more toward your retirement. Check with your tax advisor for details specific to your situation. It s flexible. Contributions are invested in the funding options available in your plan. No matter what type of investor you are or where you are in your career, you can choose from a wide variety of funding options to suit your needs. Once you ve chosen them, remember to monitor your investments in your plan account periodically to make sure that they continue to suit your needs. You can manage your plan account online or via telephone, virtually 24 hours a day. 2 For more information, contact your MassMutual Financial Professional 3 or visit * MetLife refers to Metropolitan Life Insurance Company. 1. Funding your retirement program with an annuity offers no additional tax benefit than that offered by the plan. There should be reasons other than tax deferral for investing in an annuity. References throughout this material to tax advantages, such as tax deferral and tax-free rollovers, are subject to this consideration. 2. Access to the website and phone system may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance, or for other reasons. Transfer requests made via the website received and in good order on business days prior to 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. Request received after this time are processed on the next business day. 3. MassMutual Financial Professionals are registered representatives of MML Investors Services, LLC ( MMLIS ), an affiliate of Massachusetts Mutual Life Insurance Company ( MassMutual ), a Massachusetts life insurance company. Neither MassMutual nor MMLIS is affiliated with Metropolitan Life Insurance Company or any of its affiliates or Brighthouse Life Insurance Company.

3 Focus On Your Future Retirement Savings Plan 2 ACTS Program: What you save now could make a big difference Since your pre-tax contributions to the ACTS Program are made on a before-tax basis, they generally reduce your taxable income each year. Let s look at a hypothetical example. Let s say your annual salary is $40,000. When you contribute to your plan, the money is automatically deducted from each paycheck and no federal income taxes are withheld on this amount. As this table shows, you could double your contribution rate from 3% to 6% and have just $36 less each paycheck. Contribution percent 0% 3% 6% 9% Gross pay per pay period $1,538 $1,538 $1,538 $1,538 Minus your contribution $0 $46 $92 $138 Taxable pay $1,538 $1,492 $1,446 $1,400 Minus tax withholding $294 $286 $278 $270 Take home pay $1,244 $1,206 $1,168 $1,130 Hypothetical example: 4 State: NJ Date of Birth: 03/15/1983 Filing Status: S Annual Income: $40,000 Tax Withholding Rate: 19.1% Exemptions: 1.00 Date of Hire: 05/01/2011 Enrollment Date: 01/01/2012 Pay Periods/Yr: This table is intended to show the general advantages of tax-deferred savings. Federal tax laws limit your annual contribution amounts. Your actual paycheck may reflect different amounts. The actual taxes you pay may be different than the amounts withheld.

4 3 Now let s take a look at how tax deferral can potentially help your pre-tax retirement savings grow throughout your career. Assume your salary is $40,000 and you are 35 years old. Based upon the hypothetical growth rates in the graph below, by steadily deferring 3% of your salary, you may have a $100,562 nest egg by the time you reach age 65. But look at the difference increasing contributions by 3% of salary can make: Percent of salary: 3% Contribution 6% Contribution 9% Contribution $400,000 $300,000 $301,686 $200,000 $201,124 $100,000 $100,562 $50,298 $33,532 $7,170 $14,341 $21,511 $16,766 0 After 5 years After 10 years At age 65 Values are for illustrative purposes only to show the general advantages of tax deferral and do not reflect the performance of any particular funding choice(s). Assumes a starting age of 35 years old with a starting account value of $0 and a salary of $40,000 paid biweekly with a 6% net average rate of return, compounded annually. The actual rates of return for the periods shown will vary. Account values are not adjusted to reflect income taxes, product charges and fees or inflation, all of which will reduce amounts available as retirement income. There is no guarantee that a retirement savings program will create the results shown.

5 Focus On Your Future Retirement Savings Plan 4 Features of your programs Eligibility ABP: Generally, all full-time and adjunct faculty, part-time instructors, officers, visiting professors, and certain professional administrative staff who are required to possess a college degree or its equivalent, must participate in the ABP. Full-time has been defined to include anyone receiving 50% or more of annual base salary for a full-time position, and may include anyone on sabbatical or paid leave of absence for a period not to exceed one year. additional 403(b) lifetime catch-up limit is $15,000, the catch-up amount that can be contributed in any one year may not exceed $3,000, and the catch-up amount for any year further depends on the years of service and the amount of contributions in prior years. Elective contributions generally may not exceed 100 percent of your compensation and there is an overall limit on aggregate contributions (including employer and employee contributions) that can be made to your employer s plan. If you have questions about these limits, please contact your representative. ACTS: Generally, employees of county colleges, state universities and colleges, the Commission on Higher Education, the Department of Education, and the Office of Student Assistance who normally work 20 hours a week or more are eligible to participate in the ACTS Program. Depending on your employment status, you may be eligible to contribute to both the ABP and ACTS Program. Your contributions NJ Higher Education System mandates that all ABP eligible employees contribute 5 percent of their base salary to the ABP. Eligible employees may also make voluntary contributions to the 403(b) retirement savings plan offered through the ACTS Program. Federal law sets an annual limit on the maximum you can contribute. You may start with as little as $1,000 a year. You may change the amount of your contribution within tax law and program limitations. Retirement savings contribution limits Tax year 2019 Elective deferral limit $19,000 Extra amount for age 50 or older $6,000 Additional catch-up contributions under a 403(b) plan may be available for employees who have completed at least 15 years of service with certain eligible employers (e.g., schools). The Employer contributions If you are eligible to participate in the ABP, your employer is required to make a contribution equal to 8 percent of your base salary. Vesting Vesting refers to whether you have an absolute right to your plan account, or 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 to either the ABP or the ACTS Program including rollover contributions and any earnings on that money is always 100% vested. This means you have an absolute right to your account. Your employer s contributions in the ABP will become vested upon the start of your second year of service, provided you have been employed for 12 months, and have made contributions into the pension plan for 12 months. Loans Under IRC limitations, generally the maximum allowable outstanding loan balance is the lesser of 50% of your vested plan account balance or $50,000. Please note: these loan limits apply on a combined basis to the highest loan balance in the past year under all retirement plan accounts with the same employer. Your employer s plan may have additional restrictions. If you have any questions, please contact your employer.

6 5 Withdrawals A distribution may be taken from the program before age 59½ for the following reasons: 5 Severance from employment Financial hardship (available only for the ACTS Program) Disability Death The amount distributed is a qualified reservist distribution Distributions before age 59½ may be subject to ordinary income tax and an additional 10 percent tax penalty. After age 59½, a distribution generally may be taken without penalty tax. Once you choose to receive a distribution from the ABP after severing employment, you are considered to be in retirement status. You will not be eligible to re-enroll in the ABP even if you subsequently return to employment in a New Jersey public institution covered by the ABP. Always consult your tax advisor or investment professional about the income tax consequences of any withdrawals. Ordinary federal income taxes generally apply. State income taxes may also apply. Account access Each quarter, you will receive a personal plan account statement with a detailed summary of all account activity. Please refer to the inside back cover of this guide for telephone and web access information. Manage the risk/reward potential Participants may choose from a range of funding options across a variety of asset classes with the Gold Track Select variable annuity. 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 funding 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. Cash equivalents Bond funds Balanced funds Stock funds Low risk/ reward potential High risk/ reward potential 5. As determined and controlled by the provisions in the plan document.

7 Focus On Your Future Retirement Savings Plan 6 Annuity investment option A variable annuity is a long-term contract between you and an insurance company in which the insurance company makes periodic payments to you. A variable annuity is designed to give you the potential to grow your retirement assets by directing your contributions to various stock and bond funding options. A variable annuity may: Give your assets the potential to grow if the market goes up, and decline when markets go down, as there are risks to investing in a variable annuity Provide lifetime income To provide the investment and insurance-related benefits, variable annuities contain certain fees, including contract fees, a mortality and expense and administration charge (or separate account charge), and variable funding option charges and expenses. Like most investments, variable annuity contracts will fluctuate in value and will be impacted by market declines. Gold Track Select variable annuity, designed specifically for retirement, was created to work hand-in-hand with your employer s plan to help you reach your retirement goals. Its robust selection of funding options enables you to make funding changes as your life changes. Please read the prospectus for complete details before investing. Funding choices and diversification The funding options available with Gold Track Select are intended to provide for almost any risk tolerance level and time horizon. You may diversify your portfolio using any of the available funding choices managed by well-known portfolio managers. Registered fixed account option In addition to a variety of variable funding options and Asset Allocation Portfolios, Gold Track Select also offers a Registered Fixed Account Option which provides for a 1% minimum guaranteed interest rate. The Registered Fixed Account Option offers an initial rate guarantee for one full year from the date the purchase payment is applied. Transfer privileges No surrender charges for transfers between approved funding options. Transfers available between the variable funding options (subject to certain restrictions; see the prospectus for more details). Transfers from the Registered Fixed Account Option to a noncompeting fund are prohibited from transferring back to the Registered Fixed Account Option for 90 days. Transfers between competing funds and the Registered Fixed Account Option are prohibited. A competing fund is a fund composed mainly of fixed income and money market securities. Please see the prospectus for additional information. Additional features Dollar cost averaging 6 Systematic withdrawal/required minimum distribution 7 Full range of annuitization options Automatic rebalancing 6 Death benefit 8 Withdrawals are subject to ordinary income tax and if made prior to age 59½, may be subject to a 10% Federal income tax penalty. In addition, withdrawals and loans can reduce the contract value and death benefit value. Fees and expenses An annual separate account charge (referred to as the Mortality & Expense charge in the GTS prospectus) will be assessed at 0.50% as a percentage of average daily net assets in the separate account and an administrative charge will be assessed at 0.10% as a percentage of the amount allocated to the funding options in the separate account. You will also pay the fees and expenses of the underlying funding options you choose. Generally, there are no surrender charges. Additionally, for those who take a plan account loan, there is a loan administration fee of $75 and ongoing loan maintenance fee of $50 per year. Refer to the prospectus for complete details. You can visit to view and download the prospectus for Gold Track Select variable annuity. 6. Dollar cost averaging and portfolio rebalancing do not ensure profit or protect against loss in a declining market. Since dollar cost averaging involves continuous purchase payments regardless of fluctuating prices, consider the financial ability to continue purchase payments during periods of low price levels. 7. Generally, Required Minimum Distributions (RMDs) must commence by April 1 following the later of the year you reach age 70½ and the year in which you retire. Please note, a 50% penalty is imposed on the RMD amount not taken in a given year (related to this annuity). 8. All product guarantees are backed by the claims-paying ability and financial strength of Brighthouse Life Insurance Company.

8 7 Funding choices by asset class (Within each asset class, funding choices are listed in alphabetical order) Fixed Interest Account Registered Fixed Account Option guarantees are subject to the claims-paying ability and financial strength of Brighthouse Life Insurance Company. A market value adjustment may apply on contact termination. Ultra-Short Term Bond BlackRock Ultra-Short Term Bond Portfolio Government Bond Western Asset Management U.S. Government Portfolio Aggregate Bond BlackRock Bond Income Portfolio H MetLife Aggregate Bond Index Portfolio PIMCO Total Return Portfolio H,Z Multi-Sector Bond Western Asset Management Strategic Bond Opportunities Portfolio F,H Inflation-Protected Bond PIMCO Inflation Protected Bond Portfolio F,H,Z Moderate Allocation 1919 Variable Socially Responsive Balanced Fund C,F Brighthouse/Wellington Balanced Portfolio H MFS Total Return Portfolio High Yield Bond BlackRock High Yield Portfolio H Western Asset Core Plus VIT Portfolio F,H,Z Large Cap Value Brighthouse/Wellington Core Equity Opportunities Portfolio ClearBridge Variable Dividend Strategy Portfolio C,F Invesco Comstock Portfolio MFS Value Portfolio T. Rowe Price Large Cap Value Portfolio Large Cap Blend American Funds Growth-Income Fund C,F,G,IO,M Brighthouse/Wellington Large Cap Research Portfolio ClearBridge Variable Appreciation Portfolio C Fidelity VIP Contrafund Portfolio F,Y MetLife Stock Index Portfolio Mid Cap Value Victory Sycamore Mid Cap Value Portfolio C Global Equity American Funds Global Growth Fund C,F,G,M Oppenheimer Global Equity Portfolio F Large Cap Growth American Funds Growth Fund C,F,G,M BlackRock Capital Appreciation Portfolio ClearBridge Aggressive Growth Portfolio C,D ClearBridge Variable Large Cap Growth Portfolio F Jennison Growth Portfolio C T. Rowe Price Large Cap Growth Portfolio International Developed Harris Oakmark International Portfolio F MSCI EAFE Index Portfolio F MFS Research International Portfolio F Templeton Foreign VIP Fund F Mid Cap Blend MetLife Mid Cap Stock Index Portfolio C Small Cap Value Brighthouse Small Cap Value Portfolio C Delaware VIP Small Cap Value Series C JPMorgan Small Cap Value Portfolio C Neuberger Berman Genesis Portfolio C Real Estate Clarion Global Real Estate Portfolio F,R Small Cap Blend MetLife Russell 2000 Index Portfolio C Mid Cap Growth Fidelity VIP Mid Cap Portfolio C,Y Frontier Mid Cap Growth Portfolio C Janus Henderson Enterprise Portfolio C,F,H,Z Small Cap Growth ClearBridge Variable Small Cap Growth Portfolio C,F Invesco Small Cap Growth Portfolio C T. Rowe Price Small Cap Growth Portfolio C Emerging Markets Brighthouse/Aberdeen Emerging Markets Equity Portfolio F Templeton Developing Markets VIP Fund F Asset Allocation American Funds Balanced Allocation Portfolio AA American Funds Growth Allocation Portfolio AA American Funds Moderate Allocation Portfolio AA Brighthouse Asset Allocation 20 Portfolio AA Brighthouse Asset Allocation 40 Portfolio AA Brighthouse Asset Allocation 60 Portfolio AA Brighthouse Asset Allocation 80 Portfolio AA Brighthouse Asset Allocation 100 Portfolio AA Protected Growth Strategies MetLife Multi-Index Targeted Risk Portfolio Z,FF Schroders Global Multi-Asset Portfolio F,H,Z

9 Focus On Your Future Retirement Savings Plan 8 Footnotes AA Asset allocation portfolios are fund-of-funds portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and expenses, which includes the cost of the asset allocation services it provides, as well as its pro rata share of the management fee and expenses of each underlying portfolio. Without these asset allocation services, the contract owner s expenses would be lower. Diversification does not ensure a profit or protect against loss. C D F Invests in stocks of small capitalization or mid capitalization companies. Such stocks may fluctuate in value more than stocks of large capitalization companies, and may perform poorly due to the issuers limited product lines, markets, financial resources or management experience. This portfolio invests in a limited number of issuers. Poor performance of a single issuer will generally have a more adverse impact on the return of the portfolio than on a portfolio that invests across a greater number of issuers. Invests in securities of foreign companies and governments, which involves risks not typically associated with U.S. investments, including changes in currency exchange rates; economic, political and social conditions in foreign countries; and governmental regulations and accounting standards different from those in the U.S. FF The Portfolio is a fund-of-funds portfolio. Because of this two-tier structure, the Portfolio bears its own investment management fee and expenses, which includes the cost of the asset allocation services it provides, as well as its pro rata share of the management fee and expenses of each underlying portfolio. Without these asset allocation services, the contract owner s expenses would be lower. G H IO M R Y Z Growth-oriented common stocks and other equity-type securities (such as preferred stocks, convertible preferred stocks and convertible bonds) may involve larger price swings and greater potential for loss than other types of investments. Invests in high yield or junk bonds, which are issued by companies that pose a greater risk of not paying the interest, dividends or principal their bonds have promised to pay. Such bonds are especially subject to adverse changes in interest rates or other general market conditions, or to downturns in the issuers companies or industries. Income provided by the fund may be reduced by changes in the dividend policies of, and the capital resources available for dividend payments at, the companies in which the fund invests. The investment adviser to the fund actively manages the fund s investments. Consequently, the fund is subject to the risk that the methods and analyses employed by the investment adviser in this process may not produce the desired results. This could cause the fund to lose value or its investment results to lag relevant benchmarks or other funds with similar objectives. Invests in Real Estate Investment Trusts (REITs), which attempt to profit from the rental and sale of real property or from real estate mortgages. REITs may suffer from declines in real estate values or changes in interest rates. These funding choices are Fidelity Variable Insurance Products funds that are designed as investment vehicles for variable annuity and variable life insurance contracts of insurance companies. Brighthouse Financial receives a fee from Fidelity for providing certain recordkeeping and administrative services. You are not responsible for these fees. May invest in derivatives to obtain investment exposure, enhance return or protect the portfolio s assets from unfavorable shifts in the value or rate of underlying investments. Because of their complex nature, some derivatives may not perform as intended, can significantly increase the portfolio s exposure to the existing risks of the underlying investments and may be illiquid and difficult to value. As a result, the portfolio may not realize the anticipated benefits from a derivative it holds or it may realize losses. Derivative transactions may create investment leverage, which may increase the volatility and may require liquidation of securities when it may not be advantageous to do so. 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.

10 9 Enrolling in the program Enrolling in both the ABP and the ACTS Program is easy. Schedule an appointment with your MassMutual Financial Professional. A review of your financial goals might include the following: Enrolling in the program is just the beginning. We encourage you to meet with your MassMutual Financial Professional at least annually to review your retirement savings and update your financial goals and objectives when necessary. Retirement needs analysis Estimates the amount you ll need to save to help you reach your stated retirement goal based on estimated pension and Social Security benefits. For information about your plan, read the Summary Plan Description (SPD). If there is any conflict between this material and the SPD or plan document, the SPD or plan document will control. Paycheck analysis Shows you how contributing to the program can affect your take-home pay. Hypothetical contribution charts Shows the future value of your retirement account using hypothetical rates of return and contribution amounts.

11 Focus On Your Future Retirement Savings Plan 10 Get your retirement account started Here you can learn about the ABP/ACTS Program: View Plan highlights Keeping in touch with your retirement account mlr.metlife.com This website and toll-free number provide 24/7 account access* to obtain: Account balance Contribution amount (deferral amount) Contribution history Current allocations You can also: Change contribution amount Redirect future contributions Rebalance investments Change Personal Identification Number (PIN) Transfer history Fund performance reports and fact sheets * Access to the website and phone system may be limited or unavailable during periods of peak demand, market volatility, system upgrades/maintenance, or for 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.

12 metlife.com 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. Investment Performance Is Not Guaranteed. Gold Track Select variable annuity and the Registered Fixed Account Option are offered by prospectuses only, which are available from your registered representative. 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. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. There is no guarantee that any of the variable investment options will meet their stated goals or objectives. The account value allocated to the variable funding options is subject to market fluctuations so that, when annuitized or withdrawn, it may be worth more or less than its original value. Product availability and features may vary by state. Withdrawals may be subject to withdrawal charges and a market value adjustment. The market value adjustment may be lower or higher than your contract value. Like most insurance policies and annuity contracts, Brighthouse Financial policies and contracts contain surrender charges, termination provisions, holding periods, exclusions, limitations, reduction of benefits and terms for keeping it in force. See your representative for complete details. Distributions of 401(a) and 403(b) salary reduction contributions allocated to your annuity account, and the earnings on such contributions, are generally not permitted prior to attaining normal retirement age under your retirement plan except under certain situations, such as your severance from employment with the employer sponsoring the plan or your death, disability or hardship as provided under the plan. Distributions of contributions and earnings may also be restricted as defined in the plan documents. Contact your plan administrator to determine when and under what circumstances you may request a distribution from your plan. Where permitted, distributions of taxable amounts are generally subject to ordinary income tax and, if made before age 59½, may be subject to a 10% federal income tax penalty. 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 information in this brochure is for informational purposes only and shall not be construed 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. This material should not be interpreted as a recommendation or as fiduciary investment advice by Metlife or Brighthouse Financial. Please consult with a financial professional 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. Gold Track Select variable annuity is issued on policy form numbers L-14666, L-14669, L Annuities are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company ( Brighthouse Financial ), Charlotte, NC 28277, and not MetLife. Variable products are distributed by Brighthouse Securities, LLC (member FINRA). MetLife, a registered service mark of Metropolitan Life Insurance Company, is used under license to Brighthouse Services, LLC and its affiliates. Brighthouse Financial and its design are service marks of Brighthouse Financial, Inc., or its affiliates MLR L [exp0519][NJ] 2018 MetLife Services and Solutions LLC

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