# EDGAR Filing Document

**Accession Number:** 0000858997
**File Stem:** 0001193125-26-169833
**Filing Date:** 2026-4
**Character Count:** 495338
**Document Hash:** 30447c0a62599554ac0793897a571568
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-169833.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0001193125-26-169833

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 5

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Metropolitan Life Separate Account UL
- **CENTRAL INDEX KEY:** 0000858997

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-06025
- **FILM NUMBER:** 26882896

**BUSINESS ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 212-578-9500

**MAIL ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METROPOLITAN LIFE SEPARATE ACCOUNT UL
- **DATE OF NAME CHANGE:** 19920703
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Metropolitan Life Separate Account UL
- **CENTRAL INDEX KEY:** 0000858997

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-32813
- **FILM NUMBER:** 26882895

**BUSINESS ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 212-578-9500

**MAIL ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** METROPOLITAN LIFE SEPARATE ACCOUNT UL
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### Metropolitan Life Separate Account UL (Series ID: S000004219)

| Class ID   | Class Name                                                 | Ticker Symbol   |
|:---|:---|:---|
| C000023054 | UL II Flexible Premium Multifunded Life Insurance Policies |  |

**As filed with the U.S. Securities and Exchange Commission on April 22, 2026**

**Registration Nos. 033-32813** <br>**811-06025**

------

**UNITED STATES** <br>**SECURITIES AND EXCHANGE COMMISSION** <br>**Washington, D.C. 20549**

**FORM N-6** 

---

| | |
|:---|:---|
| **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** |  |
| **Pre-Effective Amendment No.** |  |
| **Post-Effective Amendment No. 17** | **☒** |
| **and/or** |  |
| **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** |  |
| **Amendment No. 146** | **☒** |

---

------

**Metropolitan Life Separate Account UL**

**(Exact Name of Registrant)**

**Metropolitan Life Insurance Company**

**(Name of Depositor)**

**200 Park Avenue** <br>**New York, NY 10166** <br>**(Address of Depositor's Principal Executive Offices)**

**(212) 578-9500** <br>**(Depositor's Telephone Number, including Area Code)**

**Monica Curtis** <br>**Executive Vice President and Chief Legal Officer**

**Metropolitan Life Insurance Company** <br>**200 Park Avenue** <br>**New York, NY 10166** <br>**(Name and Address of Agent for Service)**

**Copy to:**

**W. Thomas Conner, Esquire** <br>**Carlton Fields** <br>**1025 Thomas Jefferson Street, NW** <br>**Suite 400 West** <br>**Washington, DC 20007-5208**

**Approximate Date of Proposed Public Offering: April 27, 2026**

**It is proposed that this filing will become effective (check appropriate box):** 

---

| | |
|:---|:---|
| ☐ | immediately upon filing pursuant to paragraph (b) |
| ☒ | on April 27, 2026 pursuant to paragraph (b) |
| ☐ | 60 days after filing pursuant to paragraph (a)(1) |
| ☐ | on (date) pursuant to paragraph (a)(1) of Rule 485 under the Securities Act. |
| **If appropriate, check the following box:** | **If appropriate, check the following box:** |
| ☐ | this post-effective amendment designates a new effective date for a previously filed post-effective amendment |

---

------

April 27, 2026

**UL II Flexible Premium Multifunded Life Insurance Policies**

**Issued by Metropolitan Life Separate Account UL of** <br>**Metropolitan Life Insurance Company**

**Prospectus**

This Prospectus provides you with important information about UL II individual flexible premium variable life insurance policies (the "Policies") issued by Metropolitan Life Insurance Company ("Metropolitan Life," the "Company," "we," "us" or "our"). This Prospectus is not the Policy. The Policy, rather, is a separate written agreement that Metropolitan Life issued to you. There may be differences between the description of the Policy contained in this Prospectus and the Policy we issued to you due to differences in state law. Please consult your Policy for the provisions that apply in your state. **The Policies are no longer offered for sale.**

Policy Owners ("Policy Owner," "you," "your" or "yours") allocate net premiums to and may transfer cash value among the available investment divisions of the Metropolitan Life Separate Account UL (the "Separate Account") and the Fixed Account. Each available investment division, in turn, invests in the shares of one of the portfolios ("Portfolios") listed in Appendix A.

The Policy's cash value will vary with the investment experience of the Separate Account investment divisions to which amounts are allocated and the fixed rates of interest earned by allocations to the Fixed Account. The cash value will also be adjusted for other factors, including the amount of charges imposed and the premium payments made.

The Policy Owner has the flexibility to vary the frequency and amount of premium payments, subject to certain restrictions and conditions.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**Neither the Securities and Exchange Commission ("SEC") nor any state securities commission has approved or disapproved of these Policies or determined if this Prospectus is accurate or complete. This Prospectus does not constitute an offering in any jurisdiction where such offering may not lawfully be made. Any representation to the contrary is a criminal offense.**

**We do not guarantee how any of the investment divisions or Portfolios will perform. Interests in the Separate Account, the Fixed Account and the Portfolios are not deposits or obligations of, insured or guaranteed by, the U.S. Government, any bank or other depository institutions including Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency entity or person. MetLife's obligations under the Policy are subject to its financial strength and claims-paying ability. We do not authorize any representations about this offering other than as contained in this Prospectus or its supplements or in our authorized supplemental sales material.**

------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| [GLOSSARY](#xx_761bf23b-a532-44cc-9c95-4060a72d92e4_1) | 4  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#xx_2b3513a5-c271-4df6-8536-c8b0b874be2d_1) | 7  |
| [OVERVIEW OF THE POLICY](#xx_2b3513a5-c271-4df6-8536-c8b0b874be2d_3) | 9  |
| [FEE TABLES](#xx_f69d79c5-71e5-4fbc-91a4-38bf67597e55_1) | 12  |
| [PRINCIPAL RISKS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_1) | 15  |
| [THE COMPANY, THE SEPARATE ACCOUNT AND THE PORTFOLIOS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_4) | 18  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [The Company](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_4) | 18  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [The Separate Account](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_4) | 18  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [The Portfolios](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_5) | 19  |
| [POLICY BENEFITS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_8) | 22  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Standard Death Benefits](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_8) | 22  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Payment of Insurance Proceeds](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_8) | 22  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Death Benefit Options](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_9) | 23  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Cash Value](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_12) | 26  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Benefit at Final Date](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_13) | 27  |
| [OPTIONAL BENEFITS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_13) | 27  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Optional Income Plans](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_19) | 33  |
| [PAYMENT AND ALLOCATION OF PREMIUMS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_19) | 33  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Issuance of a Policy](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_19) | 33  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Premiums](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_20) | 34  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Allocation of Net Premiums and Cash Value](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_21) | 35  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Transfers of Cash Value](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_21) | 35  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Restrictions on Frequent Transfers](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_22) | 36  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Restrictions on Large Transfers](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_24) | 38  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Policy Termination and Reinstatement](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_25) | 39  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Receipt of Communications and Payments at Metropolitan Life's Designated Office](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_26) | 40  |
| [CHARGES AND DEDUCTIONS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_27) | 41  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Premium Expense Charges](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_27) | 41  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Transfer Charge](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_28) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Monthly Deduction From Cash Value](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_28) | 42  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Charges Against the Separate Account](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_30) | 44  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Surrender Charge](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_30) | 44  |
| [POLICY RIGHTS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_32) | 46  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Loan Privileges](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_32) | 46  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Surrender and Withdrawal Privileges](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_33) | 47  |
| [THE FIXED ACCOUNT](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_34) | 48  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [General Description](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_35) | 49  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Fixed Account Benefits](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_35) | 49  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Fixed Account Cash Value](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_35) | 49  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Transfers, Withdrawals, Surrenders, and Policy Loans](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_36) | 50  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Other Policy Provisions](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_36) | 50  |
| [TAX CONSIDERATIONS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_37) | 51  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Introduction](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_37) | 51  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Tax Status of the Policy](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_38) | 52  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Tax Treatment of Policy Benefits](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_38) | 52  |

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Metropolitan Life's Income Taxes](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_43) | 57  |
| [SALE AND DISTRIBUTION OF THE POLICIES](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_43) | 57  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Compensation to Formerly Affiliated Sales Representatives and their Managers](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_44) | 58  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Payments to Selling Firms](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_45) | 59  |
| [LEGAL PROCEEDINGS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_45) | 59  |
| [RESTRICTIONS ON FINANCIAL TRANSACTIONS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_45) | 59  |
| [FINANCIAL STATEMENTS](#xx_385090d3-c5ea-4614-a1b5-ef2c302f4a4e_45) | 59  |
| [APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY](#xx_aa686340-8f61-4fd0-9924-fc4c0e49d394_1) | A-1 |

---

------

**GLOSSARY**

**Age** — The age in full years of the Insured at issue of the Policy plus the number of full Policy years completed since issue. A full Policy year is completed upon the commencement of the next succeeding Policy year.

**Base Administration Charge** **—** The portion of the first year monthly administration charge, which is determined by the Age of the Insured under a Policy and not by the specified face amount.

**Beneficiary** **—** The person or persons designated by the Policy Owner to receive the insurance proceeds upon the death of the Insured. A beneficiary may be changed as set forth in the Policy and this Prospectus. Unless otherwise stated in the Policy, the beneficiary has no rights in the Policy before the death of the Insured. If there is more than one beneficiary at the death of the Insured, each will receive equal payments unless otherwise provided by the Policy Owner.

**Cash Surrender Value** **—** The Cash Value less any Indebtedness and any applicable surrender charge and, if the Policy is surrendered in the first Policy year, less the Base Administration Charge for each full Policy month remaining to the end of the first Policy year.

**Cash Value** **—** The sum of the Policy cash values in the Fixed Account, the investment divisions of the Separate Account and the Policy Loan Account.

**Date of Policy** **—** The date set forth in the Policy that is used to determine Policy years and Policy months. Policy anniversaries are measured from the Date of Policy.

**Date of Receipt** **—** The date that premium payments and communications will be deemed to be received at our Designated Office.

**Designated Office** — Our Designated Office varies based on the type of service request or transaction that you are making. The most recent correspondence or annual statement sent to you will have the address and telephone number that you can use to contact us for specific transactions and requests. Your premium payment bill will have the address and telephone number that you can use to pay premiums. We will notify you if there are changes to this information.

**Final Date** — The Policy anniversary on which the insured is age 95.

**Fixed Account** — An account which is part of the General Account and to which Metropolitan Life will allocate net premiums as directed by the Policy Owner and credit certain fixed rates of interest. Aspects of the Fixed Account are briefly summarized in the Prospectus in order to give a better understanding of how the Policy functions.

**Fund** — An underlying mutual fund in which the Separate Account assets are invested. The Separate Account investment divisions invest in different classes (or series) ("Portfolios") of a mutual fund.

**General Account** — The assets of Metropolitan Life other than those allocated to the Separate Account or any other separate account.

**Guideline Annual Premium** — The level annual amount of premium that would be payable through the Final Date of a Policy for the specified face amount of the Policy if premiums were fixed by Metropolitan Life as to both timing and amount and were based on 1980 Commissioners Standard Ordinary Mortality Tables, net investment earnings at an annual effective rate of 5%, and fees and charges as set forth in the Policy and any Policy riders.

------

**Indebtedness** — The total of any unpaid Policy loan and loan interest.

**Insured** — The person upon whose life the Policy is issued.

**Investment Start Date** — The date the first premium is applied to the Fixed Account and/or the Separate Account. It is the later of (1) the Date of Policy and (2) the date the first premium for a Policy is received at our Designated Office.

**Investment Division** — A subdivision of the Separate Account. The assets in each investment division are invested exclusively in the shares of a specified Portfolio.

**Loan Value** — The maximum amount that may be borrowed under the Policy. The loan value equals the Policy's Cash Surrender Value less two monthly deductions, or, if greater, 75% (90% in Virginia and Maryland) of the Cash Surrender Value (or, in Texas, the Policy's Cash Surrender Value less the monthly deductions to the end of the Policy year, if greater).

**Minimum Initial Specified Face Amount** — The minimum specified face amount of insurance for which a Policy could have been issued. The amount is $100,000 for insureds in the preferred rate class and $50,000 for all other insureds.

**Monthly Anniversary** — The same date in each month as the Date of Policy. For purposes of the Separate Account, whenever the monthly anniversary date falls on a date other than a Valuation Date, the next Valuation Date will be deemed to be the monthly anniversary.

**Monthly Deduction** — Charges deducted monthly from the Cash Value of a Policy and that include the monthly cost of term insurance, the monthly cost of any benefits provided by riders, and the monthly policy charges.

**Planned Periodic Premium** — The Policy Owner's self-determined level-amount premium planned to be paid at fixed intervals over a specified period of time. The Policy Owner is not required to follow this schedule after the first two Policy years unless the guaranteed minimum death benefit rider is in effect.

**Policy** — The flexible premium multifunded life insurance policy offered by Metropolitan Life and described in this Prospectus.

**Policy Loan Account** — An account within the General Account to which Cash Value from the Separate Account and/or the Fixed Account in an amount equal to a Policy loan requested by a Policy Owner is transferred.

**Policy Month** — The month beginning on the monthly anniversary.

**Policy Owner ("Owner")** — The person so designated in the application or as subsequently changed.

**Policy Year —** A Policy Year is a 12-month period between the anniversaries of a Policy. The first policy year starts on the Date of Policy.

**Portfolio** — A Portfolio represents a class (or series) of an underlying mutual fund ("Fund") in which an investment division's assets are invested.

**Separate Account** — Metropolitan Life Separate Account UL, a separate investment account of Metropolitan Life through which premiums paid under the Policy are invested to the extent allocated to the Separate Account by the Policy Owner.

------

**Specified Face Amount** — The amount set forth on the face of the Policy.

**Target Premium** — The estimated annual amount that would keep a Policy in force to maturity based on the Insured's attained age and sex, the Specified Face Amount of insurance and reasonable estimates of mortality and interest.

**Valuation Date** — Each day on which the New York Stock Exchange is open for trading or, on days other than when the New York Stock Exchange is open, on which it is determined that there is a sufficient degree of trading in a Fund's portfolio securities that the current net asset value of its redeemable securities might be materially affected. Valuations for any date other than a Valuation Date will be determined as of the next Valuation Date.

**Valuation Period** — The period between two successive Valuation Dates, commencing at 4:00 p.m., Eastern Time, on each Valuation Date and ending at 4:00 p.m., Eastern Time, on the next succeeding Valuation Date.

------

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY** 

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; A surrender charge will be deducted from the Cash Value if the <br> Policy is surrendered or terminated after a grace period during the <br> first fifteen (15) Policy years. A surrender charge will also be <br> deducted upon surrender or termination of a Policy during the first <br> fifteen (15) Policy years after an increase in the Specified Face <br> Amount of a Policy. In each case, the amount of the surrender <br> charge is based on a charge per thousand dollars of Specified Face <br> Amount of the Policy.<br> The maximum surrender charge is 4% of the specified face amount <br> or any increase in the specified face amount. For example, the <br> maximum surrender charge during the first year after issue (or a <br> specified face amount increase), assuming an initial face amount (or <br> subsequent specified face amount increase) of $100,000, is $4,000. | &nbsp;&nbsp; A surrender charge will be deducted from the Cash Value if the <br> Policy is surrendered or terminated after a grace period during the <br> first fifteen (15) Policy years. A surrender charge will also be <br> deducted upon surrender or termination of a Policy during the first <br> fifteen (15) Policy years after an increase in the Specified Face <br> Amount of a Policy. In each case, the amount of the surrender <br> charge is based on a charge per thousand dollars of Specified Face <br> Amount of the Policy.<br> The maximum surrender charge is 4% of the specified face amount <br> or any increase in the specified face amount. For example, the <br> maximum surrender charge during the first year after issue (or a <br> specified face amount increase), assuming an initial face amount (or <br> subsequent specified face amount increase) of $100,000, is $4,000. | &nbsp;&nbsp; A surrender charge will be deducted from the Cash Value if the <br> Policy is surrendered or terminated after a grace period during the <br> first fifteen (15) Policy years. A surrender charge will also be <br> deducted upon surrender or termination of a Policy during the first <br> fifteen (15) Policy years after an increase in the Specified Face <br> Amount of a Policy. In each case, the amount of the surrender <br> charge is based on a charge per thousand dollars of Specified Face <br> Amount of the Policy.<br> The maximum surrender charge is 4% of the specified face amount <br> or any increase in the specified face amount. For example, the <br> maximum surrender charge during the first year after issue (or a <br> specified face amount increase), assuming an initial face amount (or <br> subsequent specified face amount increase) of $100,000, is $4,000. | &nbsp;&nbsp; Charges and <br> Deductions – <br> Surrender Charge<br>|
| **Transaction Charges** | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions (such as when you make a premium payment or <br> transfer Cash Value between investment options, make a partial <br> withdrawal or request more than one illustration in a year). | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions (such as when you make a premium payment or <br> transfer Cash Value between investment options, make a partial <br> withdrawal or request more than one illustration in a year). | &nbsp;&nbsp; In addition to surrender charges, you also may be charged for other <br> transactions (such as when you make a premium payment or <br> transfer Cash Value between investment options, make a partial <br> withdrawal or request more than one illustration in a year). | &nbsp;&nbsp; Charges and <br> Deductions – Premium <br> Expense Charges and <br> Charges and Deductions <br> - Transfer Charge<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and <br> expenses, including a mortality and expense risk charge and a <br> Monthly Deduction covering the cost of insurance under the Policy <br> and optional benefits added by rider, and such fees and expenses are <br> set based on characteristics of the Insured (e.g., age, sex and risk <br> classification). There is also a monthly administration fee. Please <br> refer to the specifications page of your Policy for applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and <br> expenses, including a mortality and expense risk charge and a <br> Monthly Deduction covering the cost of insurance under the Policy <br> and optional benefits added by rider, and such fees and expenses are <br> set based on characteristics of the Insured (e.g., age, sex and risk <br> classification). There is also a monthly administration fee. Please <br> refer to the specifications page of your Policy for applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an <br> investment in the Policy is subject to certain ongoing fees and <br> expenses, including a mortality and expense risk charge and a <br> Monthly Deduction covering the cost of insurance under the Policy <br> and optional benefits added by rider, and such fees and expenses are <br> set based on characteristics of the Insured (e.g., age, sex and risk <br> classification). There is also a monthly administration fee. Please <br> refer to the specifications page of your Policy for applicable rates.<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; Charges and <br> Deductions – Monthly <br> Deduction from Cash <br> Value<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Against the Separate <br> Account |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **ANNUAL FEE** | **MIN.** | **MAX.** | &nbsp;&nbsp; Charges and <br> Deductions – Monthly <br> Deduction from Cash <br> Value<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Against the Separate <br> Account |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment options (Portfolio fees <br> and expenses)<br>| 0.27% | 1.13% | &nbsp;&nbsp; Charges and <br> Deductions – Monthly <br> Deduction from Cash <br> Value<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Charges and <br> Deductions – Charges <br> Against the Separate <br> Account |
|  | **RISKS** | **RISKS** | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in the Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in the Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in the Policy, including loss of <br> principal. | Principal Risks |
| **Not a Short- Term** <br> **Investment**<br>| &nbsp;&nbsp; The Policies are designed to provide lifetime insurance protection. <br> They should not be used as a short-term investment or if you need <br> ready access to cash, because you will be charged when you make <br> premium payments and you may also pay surrender charges when <br> surrendering the Policy. In addition, withdrawals may be subject to <br> ordinary income tax or tax penalties. | &nbsp;&nbsp; The Policies are designed to provide lifetime insurance protection. <br> They should not be used as a short-term investment or if you need <br> ready access to cash, because you will be charged when you make <br> premium payments and you may also pay surrender charges when <br> surrendering the Policy. In addition, withdrawals may be subject to <br> ordinary income tax or tax penalties. | &nbsp;&nbsp; The Policies are designed to provide lifetime insurance protection. <br> They should not be used as a short-term investment or if you need <br> ready access to cash, because you will be charged when you make <br> premium payments and you may also pay surrender charges when <br> surrendering the Policy. In addition, withdrawals may be subject to <br> ordinary income tax or tax penalties. | Principal Risks |
| **Risks Associated with** <br> **Investment Options**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Policy (e.g., Portfolios). Each <br> investment option (including any Fixed Account investment option) <br> has its own unique risks. You should review the investment options <br> before making an investment decision. | &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Policy (e.g., Portfolios). Each <br> investment option (including any Fixed Account investment option) <br> has its own unique risks. You should review the investment options <br> before making an investment decision. | &nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Policy (e.g., Portfolios). Each <br> investment option (including any Fixed Account investment option) <br> has its own unique risks. You should review the investment options <br> before making an investment decision. | Principal Risks |

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; An investment in the Policy is subject to the risks related to <br> Metropolitan Life, including any obligations (including under any <br> Fixed Account investment option), guarantees, and benefits of the <br> Policy, including any death benefit, which are subject to the claims <br> paying ability of Metropolitan Life. If Metropolitan Life experiences <br> financial distress, it may not be able to meet its obligations to you. <br> More information about Metropolitan Life, including its financial <br> strength ratings, is available upon request by calling (833) 642-1007 <br> or visiting: https://www.metlife.com/about-us/corporate-profile/<br> ratings. | Principal Risks |
| **Contract Lapse** | &nbsp;&nbsp; Your Policy may lapse if you have not paid a sufficient amount of <br> premiums or if the investment experience of the Portfolios is poor, <br> you have taken partial withdrawals, and the Cash Surrender Value <br> under your Policy is insufficient to cover the Monthly Deduction. <br> Lapse of a Policy on which there is an outstanding loan may have <br> adverse tax consequences. If the Policy lapses, no death benefit will <br> be paid. A Policy may be reinstated if the conditions for <br> reinstatement are met including the payment of required premiums. | Principal Risks |
|  | **RESTRICTIONS**  | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investments** | &nbsp;&nbsp; Policy Owners may transfer Cash Value between and among the <br> investment divisions and the Fixed Account. Metropolitan Life <br> reserves the right to limit transfers to four (4) per Policy year and to <br> impose a charge of $25 per transfer. Restrictions may apply to <br> frequent transfers.<br> Metropolitan Life reserves the right to remove or substitute <br> Portfolios as investment options that are available under the Policy. | &nbsp;&nbsp; Payment and Allocation <br> of Premiums – Cash <br> Value Transfers<br>|
| **Optional Benefits** | &nbsp;&nbsp; Optional benefits were available to be elected at Policy issue only. <br> Optional income plans are available upon the death of the Insured, <br> when the Policy reaches its Final Date or if a Policy is surrendered <br> for its Cash Surrender Value. | &nbsp;&nbsp; Policy Benefits – <br> Optional Benefits<br>|
|  | **TAXES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Tax Implications** | &nbsp;&nbsp; Consult with a tax professional to determine the tax implications of <br> an investment in and payments received under this Policy.<br> Withdrawals may be subject to ordinary income tax, and may be <br> subject to tax penalties.<br> Lapse of a Policy on which there is an outstanding loan may have <br> adverse tax consequences. | Federal Tax Matters |
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; Your investment professional may receive compensation relating to <br> your ownership of a Policy, both in the form of commissions and <br> continuing payments. These investment professionals may have a <br> financial incentive to offer or recommend paying additional <br> premiums under the Policy over another investment. | Distributing thePolicies |

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Exchanges** | &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer you a new policy in place of your current Policy. You should <br> only exchange your Policy if you determine, after comparing the <br> features, fees, and risks of both policies, that it is better for you to <br> purchase the new policy rather than continue to own your existing <br> Policy. | &nbsp;&nbsp; Distributing the Policies<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Exchange Privilege<br>|

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**OVERVIEW OF THE POLICY**

Purpose of the Policy

The Policy is designed to provide lifetime insurance coverage on the Insured(s) named in the Policy, as well as maximum flexibility in connection with premium payments and death benefits. This flexibility allows you to provide for changing insurance needs within the confines of a single insurance policy. The Policy also provides tax deferred accumulation of assets as well as favorable tax treatment of insurance proceeds. The Policy may be appropriate for an investor who has a longer time horizon, is not purchasing the Policy for short-term liquidity needs and desires life insurance coverage.

Payment of Premiums

A Policy Owner has considerable flexibility concerning the amount and frequency of premium payments. The Policy Owner elected the planned periodic payment schedule in the application when the Policy was first purchased. The Policy Owner could have elected to pay premiums annually, on a monthly "check-o-matic" (or payroll deduction plan if provided by the employer of the Policy Owner) or semi-annual basis. The schedule will provide for a premium payment of a level amount determined by the Policy Owner at fixed intervals over a specified period of time. A Policy Owner need not adhere to the planned Periodic Premium Payment schedule. Instead, a Policy Owner may make premium payments in any amount and at any frequency provided that: (i) the premium payments cannot exceed the maximum premium limitations determined by the Internal Revenue Service relating to the definition of life insurance (unless required to keep the Policy from terminating); (ii) the minimum planned premium payment after the first Policy year must be at least $200 on an annual basis, $100 on a semi-annual basis and $15 on a "check-o-matic" or other pre-authorized transfer basis; and (iii) every unplanned premium payment must be at least $250. The Policy Owner may be required to make an unscheduled premium payment in order to keep the Policy in force. The payment of a given premium will not necessarily guarantee that your Policy will remain in force. Rather, this depends on the Policy's Cash Surrender Value. Insufficient premiums may result in lapse of the Policy. Premiums may be allocated among the investment divisions and the Fixed Account. If you terminate your participation in optional benefits which have allocations to specific investment divisions, you will remain invested in the same investment divisions until you request allocations to different investment divisions. **Additional information about each Portfolio including its Portfolio type, advisers and any sub-advisers as well as current expenses and certain performance information is included in Appendix A**.

Features of the Policy

The Policy has a number of features designed to provide lifetime insurance coverage as well as maximum flexibility in connection with premium payments and death benefits, including flexibility to change the type and amount of the death benefit; flexibility in paying premiums; loan privileges; surrender privileges; and optional insurance benefits.

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***Death Benefit Options.*** Under the Policy, the insurance proceeds are: (a) the death benefit provided under Option A or Option B, whichever is elected and in effect on the date of death; plus (b) any additional insurance on the Insured's life that is provided by rider; minus (c) any outstanding Indebtedness and any due and unpaid charges accruing during the grace period. The Policy Owner designated the desired option in the application and can change the option by written request. The Option A death benefit is equal to the Specified Face Amount of insurance. The Option B death benefit is equal to the specified face amount of insurance *plus* the Cash Value.

***Choice of Investment Options.*** You can allocate your net premiums and Cash Value among the investment divisions under the Policy. The investment divisions invest in Portfolios, including several common stock funds, funds that invest primarily in foreign securities, as well as bond funds and balanced funds. You may also allocate premiums and Cash Value to our Fixed Account, which provides guarantees of interest and principal. You may change your allocation of future premiums at any time. **Additional information about each Portfolio is provided in Appendix A.**

***Transfers and Automated Investment Strategies.*** You may transfer your Policy's Cash Value among the investment divisions or between those options and the Fixed Account. You may also elect one of five Automated Investment Strategies that allow you to transfer funds periodically from the Fixed Account to the investment divisions or among such options in accordance with an asset allocation model that you choose, based on your risk tolerance. If you terminate your participation in optional benefits which have allocations to specific investment divisions, you will remain invested in the same investment divisions until you request allocations to different investment divisions. (See "Automated Investment Strategies.")

***Loans***. After the first Policy year the Policy Owner may borrow money from Metropolitan Life using the Policy as the only security for the loan. The smallest amount the Policy Owner can borrow at any one time is $250. The maximum amount that may be borrowed at any time is the Loan Value. The Loan Value equals the Cash Surrender Value less two Monthly Deductions or, if greater, 75% (90% for Policies issued in Virginia or Maryland) of the Cash Surrender Value (or in Texas the Policy's Cash Surrender Value less the Monthly Deductions to the end of the Policy year, if greater). Cash Value in the Policy Loan Account equal to Indebtedness will be credited with interest at a rate equal to the fixed rate charged less a percentage charge. Presently, this charge is 2%.

***Surrender and Withdrawals.*** The Policy Owner may surrender the Policy for its Cash Surrender Value at any time. In addition, the Policy Owner may make a partial withdrawal from the Policy's Cash Surrender Value. The minimum partial withdrawal is $250. There is no charge for a partial withdrawal. The amount withdrawn will be deducted from the Policy's Cash Value as of the Date of Receipt. When death benefit Option A is in effect, any partial withdrawal will reduce the specified face amount, and thus the death benefit, by the amount withdrawn. When death benefit Option B is in effect, the amount withdrawn will not reduce the specified face amount. However, the death benefit will be reduced by the amount withdrawn. A Policy Owner will not be permitted to make any partial withdrawal that would reduce the specified face amount of the Policy below the Minimum Initial Specified Face Amount in the first five Policy years or one-half the Minimum Initial Specified Face Amount thereafter, or that would result in total premiums paid exceeding the then current maximum premium limitation determined by Internal Revenue Service rules. A partial withdrawal will also not be permitted unless the resulting Cash Surrender Value would be sufficient to pay at least two Monthly Deductions.

Withdrawals may have tax consequences. If the Policy is not a modified endowment contract ("MEC"), distributions generally will be treated first as a return of basis or investment in the Policy and then as taxable income. However, different rules apply in the first fifteen Policy years, as distributions accompanied by benefit reductions may be taxable prior to a complete withdrawal of your investment in the Policy. Moreover, loans will generally not be

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treated as distributions prior to termination of your Policy, whether by lapse, surrender or exchange. Finally, neither distributions nor loans from a Policy that is not a modified endowment contract are subject to the 10% penalty tax.

***Optional Insurance Benefits***. Optional insurance benefits have an additional cost which will be deducted as part of the Monthly Deduction from Cash Value. Optional insurance benefits include the Disability Waiver Benefit, Accidental Death Benefit, Children's Term Insurance Benefit, Spouse Term Insurance Benefit and Accelerated Death Benefit.

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**FEE TABLES**

**The following tables describe the fees and expenses that you will pay when buying, owning and surrendering or making withdrawals from the Policy. Please refer to your Policy's specifications page for information about the specific fees you will pay each year based on the options that you have elected.**

**The first table describes the fees and expenses that you will pay at the time you buy the Policy, surrender or make withdrawals from the Policy, or transfer Cash Value between investment divisions and/or the Fixed Account.**

Transaction Fees

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| | | | |
|:---|:---|:---|:---|
| **Charge** | &nbsp;&nbsp; **When Charge is**<br> **Deducted**<br>| &nbsp;&nbsp; **Maximum**<br> **Amount**<br> **Deducted**<br>| &nbsp;&nbsp; **Current**<br> **Amount**<br> **Deducted**<br>|
| Maximum Sales Charge<br> (load)<br>| &nbsp;&nbsp; On payment of <br> premium<br>| 2.00% of premiums paid | &nbsp;&nbsp; 2.00% of each premium <br> paid<br>|
| State Premium Tax Charge | &nbsp;&nbsp; On payment of <br> premium<br>| 2.0% in all Policy years | 2.0% in all Policy years |
| Surrender Charge<sup>1,2</sup> <br>|  |  |  |
| *●Minimum and* ***Maximum*** *Charge* | &nbsp;&nbsp; On surrender or <br> lapse of the Policy in <br> the first fifteen (15) <br> Policy years (and, <br> with respect to a face <br> amount increase, in <br> the first fifteen (15) <br> Policy years after the <br> increase) | &nbsp;&nbsp; In Policy year 1, $3.00 to <br> $40.00 per $1,000 of <br> specified face amount<br>| &nbsp;&nbsp; In Policy year 1, $3.00 to <br> $40.00 per $1,000 of <br> specified face amount<br>|
| *●Charge in the first Policy year for a* <br> *Representative Insured*<sup>3</sup><br>| &nbsp;&nbsp; On surrender or <br> lapse of the Policy in <br> the first fifteen (15) <br> Policy years (and, <br> with respect to a face <br> amount increase, in <br> the first fifteen (15) <br> Policy years after the <br> increase) | &nbsp;&nbsp; $4.84 per $1,000 of <br> specified face amount<br>| &nbsp;&nbsp; $4.84 per $1,000 of <br> specified face amount<br>|
| Transfer Charge | &nbsp;&nbsp; On transfer of Cash <br> Value among the <br> investment divisions <br> and between the <br> investment divisions <br> and the Fixed <br> Account<br>| $25 for each transfer | Not currently charged |
| Illustration Fee | &nbsp;&nbsp; Upon request for an <br> illustration if more <br> than one illustration <br> is requested during <br> the year<br>| $25 | Not currently charged |

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<sup>1</sup>

The surrender charge remains level for one to five Policy years, and declines on an annual basis until it reaches zero in the sixteenth Policy year.

<sup>2</sup>

Charges vary based upon individual characteristics of each insured such as sex, age, smoker or nonsmoker class. The charge shown may not be representative of the charge that a particular Policy Owner would pay. Please refer to the specifications page of your Policy to see the particular cost of insurance and other charges that apply to you.

<sup>3</sup>

The representative insured is a male, age 35, in the preferred nonsmoker risk class, under a Policy with a base Policy face amount of $375,000, who has chosen Death Benefit Option A.

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**The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Portfolio fees and expenses.**

Periodic Charges other than Annual Portfolio Expenses

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| | | | |
|:---|:---|:---|:---|
| **Charge** | &nbsp;&nbsp; **When Charge is**<br> **Deducted**<br>| &nbsp;&nbsp; **Maximum Amount**<br> **Deducted**<br>| &nbsp;&nbsp; **Current Amount**<br> **Deducted**<br>|
| **Base Policy Charges**: |  |  |  |
| Cost of Term Insurance<sup>(1),(2)</sup> <br>|  |  |  |
| ●*Minimum and* ***Maximum*** *Charge* | Monthly | &nbsp;&nbsp; $0.06 to $41.51 per $1,000 <br> of net amount at risk<br>| &nbsp;&nbsp; $0.02 to $37.62 per $1,000 <br> of net amount at risk<br>|
| ●*Charge for a representative* <br> *insured*<sup>(3)</sup><br>| Monthly | &nbsp;&nbsp; $2.04 per $1,000 of net <br> amount at risk<br>| &nbsp;&nbsp; $0.73 per $1,000 of net <br> amount at risk<br>|
| Administration Charge (after the first <br> Policy year)<br>|  |  |  |
| ●*Specified face amount less than* <br> *$100,000*<br>| Monthly | $9.00 | $9.00 |
| ●*Specified face amount between* <br> *$100,000 and $249,999*<br>| Monthly | $7.00 | $7.00 |
| ●*Specified face amount of $250,000 or* <br> *more*<br>| Monthly | $5.00 | $5.00 |
| Mortality and Expense Risk Charge<sup>(4)</sup> <br>| Daily | &nbsp;&nbsp; Effective annual rate of <br> 0.90%<br>| &nbsp;&nbsp; Effective annual rate of <br> 0.90%<br>|
| Loan Interest Spread<sup>(5)</sup> <br>| Annually | &nbsp;&nbsp; Annual rate of 2% of loan <br> collateral<br>| &nbsp;&nbsp; Annual rate of 2% of loan <br> collateral<br>|
| **Optional Benefit Charges:** |  |  |  |
| Disability Waiver Benefit |  |  |  |
| ●*Minimum and* ***Maximum*** *Charge* <br> *for Insured*<sup>(1)</sup><br>| Monthly | &nbsp;&nbsp; $0.02 to $0.45 per $1,000 of <br> term insurance amount<br>| &nbsp;&nbsp; $0.01 to $0.38 per $1,000 of <br> term insurance amount<br>|
| ●*Minimum and* ***Maximum*** *Charge* <br> *for Spouse*<sup>(1),(8)</sup><br>| Monthly | &nbsp;&nbsp; $0.02 to $0.45 per $1,000 of <br> spousal face amount<br>| &nbsp;&nbsp; $0.01 to $0.38 per $1,000 of <br> spousal face amount<br>|
| ●*Charge for Child*<sup>(9)</sup> | Monthly | &nbsp;&nbsp; $0.03 per $1,000 of child <br> face amount<br>| &nbsp;&nbsp; $0.02 per $1,000 of child <br> face amount<br>|
| ●*Charge for a representative* <br> *insured*<sup>(6)</sup><br>| Monthly | &nbsp;&nbsp; $0.03 per $1,000 of term <br> insurance amount<br>| &nbsp;&nbsp; $0.02 per $1,000 of term <br> insurance amount<br>|
| ●*Charge for a representative* <br> *Spouse*<sup>(6)</sup><br>| Monthly | &nbsp;&nbsp; $0.02 per $1,000 of spousal <br> face amount<br>| &nbsp;&nbsp; $0.01 $1,000 of spousal <br> face amount<br>|
| ●*Charge for a representative Child*<sup>(6)</sup> | Monthly | &nbsp;&nbsp; $0.02 per $1,000 of child <br> face amount<br>| &nbsp;&nbsp; $0.02 per $1,000 of child <br> face amount<br>|
| Accidental Death Benefit |  |  |  |
| ●*Minimum and* ***Maximum*** *Charge*<sup>(1)</sup> | Monthly | &nbsp;&nbsp; $0.07 to $0.12 per $1,000 of <br> Accidental Death Benefit <br> Face Amount<br>| &nbsp;&nbsp; $0.04 to $0.07 per $1,000 of <br> Accidental Death Benefit <br> Face Amount<br>|
| ●*Charge for a representative* <br> *insured*<sup>(3)</sup><br>| Monthly | &nbsp;&nbsp; $0.09 per $1,000 of <br> Accidental Death Benefit <br> Face Amount<br>| &nbsp;&nbsp; $0.05 per $1,000 of <br> Accidental Death Benefit <br> Face Amount<br>|

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| | | | |
|:---|:---|:---|:---|
| **Charge** | &nbsp;&nbsp; **When Charge is**<br> **Deducted**<br>| &nbsp;&nbsp; **Maximum Amount**<br> **Deducted**<br>| &nbsp;&nbsp; **Current Amount**<br> **Deducted**<br>|
| Children's Term Insurance Rider | Monthly | &nbsp;&nbsp; $0.60 per $1,000 of <br> Children's Term Insurance <br> Face Amount<br>| &nbsp;&nbsp; $0.35 per $1,000 of <br> Children's Term Insurance <br> Face Amount<br>|
| Spousal Term Insurance Benefit |  |  |  |
| ●*Minimum and* ***Maximum*** *Charge*<sup>(1)</sup> | Monthly | &nbsp;&nbsp; $0.16 to $3.27 per $1,000 of <br> Spousal Term Insurance <br> Face Amount<br>| &nbsp;&nbsp; $0.08 to $3.05 per $1,000 of <br> Spousal Term Insurance <br> Face Amount<br>|
| ●*Charge for a representative* <br> *insured*<sup>(7)</sup><br>| Monthly | &nbsp;&nbsp; $0.20 per $1,000 of Spousal <br> Term Insurance Face <br> Amount<br>| &nbsp;&nbsp; $0.09 per $1,000 of Spousal <br> Term Insurance Face <br> Amount<br>|

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<sup>1</sup>

Charges vary based upon individual characteristics of each insured such as sex, age, smoker or nonsmoker class. The charge shown may not be representative of the charge that a particular Policy Owner would pay. Please refer to the specifications page of your Policy to see the particular cost of insurance and other charges that apply to you.

<sup>2</sup>

Metropolitan Life will determine the monthly cost of term insurance charge by multiplying the applicable cost of term insurance rate or rates by the term insurance amount for each Policy month. The term insurance amount for a Policy month is (a) the death benefit at the beginning of the Policy month divided by 1.0032737 (a discount factor to account for return deemed to be earned during the month), less (b) the Cash Value at the beginning of the Policy month.

<sup>3</sup>

The representative insured is a male, age 64, in the preferred nonsmoker risk class, under a Policy with a base Policy face amount of $128,000.

<sup>4</sup>

The mortality and expense risk charge reflects an annual rate imposed daily on the Cash Value in the Separate Account.

<sup>5</sup>

We currently charge interest on Policy loans at an effective rate of 8.00% per year. The Cash Value that we hold as security for the loan collateral currently earns interest at an effective rate of not less than 6.00% per year. The maximum loan interest spread is 2% per year of the loan collateral.

<sup>6</sup>

The representative insured for the base Disability Waiver benefit is a male, age 35 in the preferred nonsmoker risk class. The representative insured for the Spousal Disability Waiver benefit is a female, age 32 in the preferred nonsmoker risk class. The representative child is any child that is covered under the Children's Term Insurance Benefit.

<sup>7</sup>

The representative insured is a female, age 32 in the preferred nonsmoker risk class.

<sup>8</sup>

This charge applies to the Disability Waiver Benefit if purchased on the Spousal Term Insurance Rider.

<sup>9</sup>

This charge applies to the Disability Waiver Benefit if purchased on the Children's Term Insurance Rider.

**The next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Policy. A complete list of the Portfolios available under the Policy, including their annual expenses, may be found in Appendix A.**

Annual Portfolio Expenses

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| | | |
|:---|:---|:---|
|  | **Minimum** | **Maximum** |
| **Annual Portfolio Expenses** (as a percentage of average daily net assets)<br> (expenses that are deducted from Portfolio assets, including management fees, <br> distribution and/or service (12b-1) fees, and other expenses)<br>| **0.27%** | **1.13%** |

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**PRINCIPAL RISKS**

**Investment Risk.** We do not guarantee the investment performance of the investment divisions and you should consider your risk tolerance before selecting investment divisions. If you invest your Policy's Cash Value in one or more of the investment divisions, then you will be subject to the risk that investment performance will be unfavorable and that your Cash Value will decrease. An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios of the corresponding Divisions. Each investment option (including the Fixed Account option) has its own unique risks. You should review the investment options before making any investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio's prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct Policy fees and charges from your Policy's Cash Value, which can significantly reduce your Policy's Cash Value. During times of poor investment performance, this deduction will have an even greater impact on your Policy's Cash Value. It is possible to lose your full investment and your Policy could lapse without value, unless you pay additional premium. If you allocate Cash Value to the Fixed Account, then we credit such Cash Value with a declared rate of interest. You assume the risk that the rate may decrease, although it will never be lower than the guaranteed minimum annual effective rate of 4%.

**Surrender and Withdrawal Risks (Short-Term Investment Risk).** The Policies are designed to provide lifetime insurance protection. They are not offered primarily as an investment and should not be used as a short-term savings vehicle. If you surrender the Policy within the first fifteen (15) Policy years (or within the first fifteen (15) Policy years following a face amount increase), you will be subject to a Surrender Charge. You will also be subject to income tax on any gain that is distributed or deemed to be distributed from the Policy.

You should purchase the Policy only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Policy if you intend to surrender all or part of the Policy's Cash Value in the near future. Even if you do not ask to surrender your Policy, surrender charges may play a role in determining whether your Policy will lapse, because surrender charges determine the Cash Surrender Value, which is a measure we use to determine whether your Policy will enter the grace period (and possibly lapse).

**Risk of Lapse.** Your Policy may lapse if you have not paid a sufficient amount of premiums or if the investment experience of the investment divisions is poor. If your Cash Surrender Value is not enough to pay the Monthly Deduction, your Policy may enter a 61-day grace period. We will notify you that the Policy will lapse unless you make a sufficient payment of additional premium during the grace period. If your Policy lapses, your insurance coverage will terminate, although you will be given an opportunity to reinstate it. Lapse of a Policy on which there is an outstanding loan may have adverse tax consequences.

**Tax Treatment.** We anticipate that the Policy should be deemed to be a life insurance policy under federal tax law. However, the rules are not entirely clear in certain circumstances, for example, if your Policy is issued on a substandard basis. The death benefit under the Policy will never be less than the minimum amount required for the Policy to be treated as life insurance under section 7702 of the Internal Revenue Code, as in effect on the date the Policy was issued. If your Policy is not treated as a life insurance policy under federal tax law, increases in the Policy's Cash Value will be taxed currently.

Even if your Policy is treated as a life insurance policy for federal tax purposes, it may become a modified endowment contract ("MEC") due to the payment of excess premiums or unnecessary premiums, due to a material change or due to a reduction in your death benefit. If your Policy is treated as a MEC under federal tax laws, surrenders, partial withdrawals, loans, and use of the Policy as collateral for a loan will be treated as a distribution

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of the earnings in the Policy and will be taxable as ordinary income to the extent thereof. In addition, if the Policy Owner is under age 59 <sup>1</sup>∕2 at the time of the surrender, partial withdrawal or loan, the amount that is included in income will generally be subject to a 10% penalty tax. If the Policy is not a MEC, distributions generally will be treated first as a return of basis or investment in the Policy and then as taxable income. However, different rules apply in the first fifteen Policy years, as distributions accompanied by benefit reductions may be taxable prior to a complete withdrawal of your investment in the Policy. Moreover, loans will generally not be treated as distributions prior to termination of your Policy, whether by lapse, surrender or exchange.

See "Federal Tax Matters for additional information." *You should consult a qualified tax adviser for assistance in all Policy-related tax matters*.

**Loans.** A Policy loan, whether or not repaid, will affect the Cash Value of your Policy over time because we subtract the amount of the loan from the investment divisions and/or Fixed Account as collateral, and hold it in our Loan Account. This loan collateral does not participate in the investment experience of the investment divisions or receive any higher current interest rate credited to the Fixed Account.

We also reduce the amount we pay on the Insured's death by the amount of any outstanding loan and accrued loan interest. Your Policy may lapse if your outstanding loan and accrued loan interest reduce the Cash Surrender Value to zero.

If you surrender your Policy or your Policy lapses while there is an outstanding loan, there will generally be federal income tax payable on the amount by which loans and partial withdrawals exceed the premiums paid. Since loans and partial withdrawals reduce your Policy's Cash Value, any remaining Cash Value may be insufficient to pay the income tax due.

**Limitations on Access to Cash Value.** We limit loans and partial withdrawals of Cash Value from the Policy to amounts not less than $250 and not more than the Cash Surrender Value less two Monthly Deductions.

**Limitations on Transfers.** We may limit transfers to four per Policy year. We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit frequent trading activity. In addition, each Portfolio may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain frequent trading activities. You should read each Portfolio's prospectus for more details.

**Policy Charge and Expense Increase.** We have the right to increase certain Policy charges.

**Tax Law Changes.** Tax laws, regulations, and interpretations have often been changed in the past and such changes continue to be proposed. To the extent that you purchase a Policy based on expected tax benefits, relative to other financial or investment products or strategies, there is no certainty that such advantages will always continue to exist.

**Pandemics, Other Public Health Issues and Other Events.** Pandemics and other public health issues or other events, and governmental, business and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods.

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**Cybersecurity.** Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Policy transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate net investment return; cause the release and possible loss or destruction of confidential Policy Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.

**Insurance Company Risks.** Policies are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Policy, including any death benefit, are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you. More information about Metropolitan Life, including its financial strength ratings, is available upon request by calling (833) 642-1007 or by visiting www.metlife.com/about-us/ corporate-profile/ratings.

**Terrorism and Security Risk**. The continued threat of terrorism, ongoing or potential military conflict and other actions and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of Metropolitan Life's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.

**Technology Risk**. Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected.

Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected.

New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a

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security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.

**THE COMPANY, THE SEPARATE ACCOUNT AND THE PORTFOLIOS**

The Company

Metropolitan Life Insurance Company is a provider of insurance, annuities, employee benefits and asset management. We are also one of the largest institutional investors in the United States with a General Account Portfolio invested primarily in fixed income securities (corporate, structured products, municipals, and government and agency) and mortgage loans, as well as real estate, real estate joint ventures, other limited partnerships and equity securities. Metropolitan Life Insurance Company was incorporated under the laws of New York in 1868. The Company's office is located at 200 Park Avenue, New York, New York 10166-0188. The Company is a wholly-owned subsidiary of MetLife, Inc. We are obligated to pay all benefits under the Policies. Investments in the Policy are subject to the risks related to Metropolitan Life with respect to any death benefit or other guarantees (including Fixed Account guarantees) that Metropolitan Life makes available under the Policy.

All obligations (including under the Fixed Account), and benefits of the Policy are subject to the claims paying ability of Metropolitan Life and Metropolitan Life is obligated to pay all amounts promised to you under the Policy, subject to its financial strength and claims-paying ability. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you.

The Separate Account

Metropolitan Life Separate Account UL is the funding vehicle for the Policies and other variable life insurance policies that we issue. Income and realized and unrealized capital gains and losses of the Separate Account are credited to the Separate Account without regard to any of our other income or capital gains or losses. Although we own the assets of the Separate Account, applicable law provides that the portion of the Separate Account assets equal to the reserves and other liabilities of the Separate Account may not be charged with liabilities that arise out of any other business we conduct. This means that the assets of the Separate Account are not available to meet the claims of our general creditors, and may only be used to support the Cash Values of the variable life insurance policies issued by the Separate Account.

We are obligated to pay the death benefit under the Policy and any optional benefits under a Policy even if that amount exceeds the Policy's Cash Value in the Separate Account. The amount of the death benefit and any optional benefits under a Policy that exceeds the Policy's Cash Value in the Separate Account is paid from our General Account. Death benefits and any optional benefits under a Policy paid from the General Account are subject to the financial strength and claims-paying ability of the Company. For other life insurance policies and annuity contracts that we issue, we pay all amounts owed under the policies and contracts from the General Account. Metropolitan Life is regulated as an insurance company under state law. State law generally imposes restrictions on the amount and type of investments in the General Account. However, there is no guarantee that we will be able to meet our claims-paying obligations. There are risks to purchasing any insurance product.

The investment adviser to certain of the Portfolios offered with the Policy or with other variable life insurance policies issued through the Separate Account may be regulated as a Commodity Pool Operator. While we do not concede that the Separate Account is a commodity pool, Metropolitan Life has claimed an exclusion from the

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definition of the term "commodity pool operator" under the Commodities Exchange Act ("CEA"), and is not subject to registration or regulation as a pool operator under the CEA.

The Portfolios

Each investment division of the Separate Account invests in a corresponding Portfolio. Each Portfolio is part of an open-end management investment company, more commonly known as a mutual fund, that serves as an investment vehicle for variable life insurance and variable annuity separate accounts of various insurance companies. The mutual funds or "Funds" that offer the Portfolios are the American Funds Insurance Series<sup>®</sup>, Brighthouse Funds Trust I, and Brighthouse Funds Trust II. Each of these Funds has an investment adviser responsible for overall management of each Portfolio available in the Fund. Some investment advisers have contracted with sub-advisers to make the day-to-day investment decisions for the Portfolios.

**Portfolios Available Under the Policy.** The Portfolios available under the Policies including each Portfolio name, Portfolio type, adviser, sub-adviser, current expenses and average annual total returns of each Portfolio are set forth in Appendix A.

Each Portfolio has issued a prospectus and Statement of Additional Information that contains more detailed information about the Portfolio which may be obtained by visiting dfinview.com/metlife/PUFT/MET000238 or calling (833) 642-1007.

The Portfolios' investment objectives may not be met. The investment objectives and policies of certain Portfolios are similar to the investment objectives and policies of other funds that may be managed by the same investment adviser or subadviser. The investment results of the Portfolios may be higher or lower than the results of these funds. There is no assurance, and no representation is made, that the investment results of any of the Portfolios will be comparable to the investment results of any other fund.

Share Classes of the Portfolios

The Portfolios offer various classes of shares, each of which has a different level of expenses. The prospectuses for the Portfolios may provide information for share classes that are not available through the Policy. When you consult the prospectus for any Portfolio, you should be careful to refer to only the information regarding the class of shares that is available through the Policy. For the American Funds Insurance Series, we offer Class 2 shares only; for Brighthouse Funds Trust I and Brighthouse Funds Trust II, we offer Class A shares only.

Certain Payments We Receive with Regard to the Portfolios

An investment adviser or subadviser of a Portfolio, or its affiliates, may make payments to us and/or certain of our affiliates. These payments may be used for a variety of purposes, including payment for expenses for certain administrative, marketing and support services with respect to the Policies and, in our role as intermediary, with respect to the Portfolios. We and our affiliates may profit from these payments. These payments may be derived, in whole or in part, from fees deducted from Portfolio assets. Policy Owners, through their indirect investment in the Portfolios, bear the costs of these fees (see the prospectuses for the Portfolios for more information). The amount of the payments we receive is based on a percentage of assets of the Portfolio attributable to the Policies and certain other variable insurance products that we and our affiliates issue. These percentages differ and some advisers or subadvisers (or other affiliates) may pay us more than others. These percentages currently range up to 0.50%. Additionally, an investment adviser or subadviser of a Portfolio or its affiliates may provide us with wholesaling services that assist in the distribution of the Policies and may pay us and/or certain of our affiliates

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amounts to participate in sales meetings. These amounts may be significant and may provide the adviser or subadviser (or their affiliates) with increased access to persons involved in the distribution of the Policies.

As of December 31, 2025, approximately 85% of Portfolio assets held in Separate Accounts of Metropolitan Life Insurance Company and its affiliates were allocated to Portfolios in Brighthouse Funds Trust I and Brighthouse Funds Trust II. We and certain of our affiliated companies have entered into agreements with Brighthouse Advisers, LLC, Brighthouse Funds Trust I and Brighthouse Funds Trust II whereby we receive payments for certain administrative, marketing and support services described in the previous paragraphs. Currently, the Portfolios in Brighthouse Funds Trust I and Brighthouse Funds Trust II are only available in variable annuity contracts and variable life insurance policies issued by Metropolitan Life and its affiliates as well as Brighthouse Life Insurance Company and its affiliates. Should we or Brighthouse Investment Advisers, LLC decide to terminate the agreements, we would be required to find alternative Portfolios which could have higher or lower costs to the Policy Owner. In addition, the amount of payments we receive could cease or be substantially reduced which may have a material impact on our financial statements.

Certain Portfolios have adopted a Distribution Plan under Rule 12b-1 of the Investment Company Act of 1940 ("1940 Act"). A Portfolio's 12b-1 Plan, if any, is described in more detail in the Portfolio's prospectus. (See "Distributing the Policies.") Any payments we receive pursuant to those 12b-1 Plans are paid to us or our Distributor Metropolitan Life Investors Distribution Company ("MLIDC"). Payments under a Portfolio's 12b- 1 Plan decrease the Portfolio's investment return.

For more specific information on the amounts we may receive on account of your investment in the Portfolios, you may call us toll free at (833) 642-1007.

Selection of the Portfolios

We select the Portfolios offered through this Policy based on a number of criteria, including asset class coverage, the strength of the investment manager's or sub-investment manager's reputation and tenure, brand recognition, performance, and the capability and qualification of each investment firm. Other factors we consider during the selection process are whether the Portfolios' investment manager or sub-investment manager is one of our affiliates or whether the Portfolio, its investment manager, its sub-investment manager(s), or an affiliate will make payments to us or our affiliates. In this regard, the profit distributions we receive from our affiliated investment manager are a component of the total revenue that we consider in configuring the features and investment choices available in the variable insurance products that we and our affiliated insurance companies issue. Since we and our affiliated insurance companies may benefit more from the allocation of assets to Portfolios advised or sub-advised by our affiliates than those that are not, we may be more inclined to offer Portfolios advised or sub-advised by our affiliates in the variable insurance products we issue. We review the Portfolios periodically and may remove a Portfolio or limit its availability to new premium and/or transfers of Cash Value if we determine that the Portfolio no longer meets one or more of the selection criteria, and/or if the Portfolio has not attracted significant allocations from Policy Owners.

**We do not provide any investment advice and do not recommend or endorse any particular Portfolio. You bear the risk of any decline in the Cash Value of your Policy resulting from the performance of the Portfolios you have chosen**.

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Purchase and Redemption of Portfolio Shares by Our Separate Account

As of the end of each Valuation Period, we purchase and redeem Portfolio shares for the Separate Account at their net asset value without any sales or redemption charges. These purchases and redemptions reflect the amount of any of the following transactions that take effect at the end of the Valuation Period:

-

The allocation of net premiums to the Separate Account.

-

Dividends and distributions on Portfolio shares, which are reinvested as of the dates paid (which reduces the value of each share of the Portfolio and increases the number of Portfolio shares outstanding, but has no affect on the Cash Value in the Separate Account).

-

Policy loans and loan repayments allocated to the Separate Account.

-

Transfers to and among investment divisions.

-

Withdrawals and surrenders taken from the Separate Account.

Voting Rights

We own the Portfolio shares held in the Separate Account and have the right to vote those shares at meetings of the Portfolio shareholders. However, to the extent required by federal securities law, we will give you, as Policy Owner, the right to instruct us how to vote the shares that are attributable to your Policy.

We will determine, as of the record date, if you are entitled to give voting instructions and the number of shares to which you have a right of instruction. If we do not receive timely instructions from you, we will vote your shares for, against, or withhold from voting on, any proposition in the same proportion as the shares held in that investment division for all Policies for which we have received voting instructions. The effect of this proportional voting is that a small number of Policy Owners may control the outcome of a vote.

We will vote Portfolio shares held by our General Account (or any unregistered separate account for which voting privileges were not extended) in the same proportion as the total of (i) shares for which voting instructions were received and (ii) shares that are voted in proportion to such voting instructions.

We may disregard voting instructions for changes in the investment policy, investment adviser or principal underwriter of a Portfolio if required by state insurance law, or if we (i) reasonably disapprove of the changes and (ii) in the case of a change in investment policy or investment adviser, make a good faith determination that the proposed change is prohibited by state authorities or inconsistent with an investment division's investment objectives. If we do disregard voting instructions, the next semi-annual report to Policy Owners will include a summary of that action and the reasons for it.

Rights Reserved by Metropolitan Life

We and our affiliates may change the voting procedures and vote Portfolio shares without Policy Owner instructions, if the securities laws change. We also reserve the right: (1) to add investment divisions; (2) to combine investment divisions; (3) to substitute shares of another registered open-end management investment company, which may have different fees and expenses, for shares of a Portfolio; (4) to substitute or close an investment division to allocations of premium payments or Cash Value or both, and to existing investments or the investment of future premiums, or both, for any class of Policy or Policy Owner, at any time in our sole discretion; (5) to operate the Separate Account as a management investment company under the 1940 Act or in any other form; (6) to deregister the Separate Account under the 1940 Act; (7) to combine it with other Separate Accounts; and (8) to transfer assets supporting the Policies from one investment division to another or from the Separate Account to

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other Separate Accounts, or to transfer assets to our General Account as permitted by applicable law. We will exercise these rights in accordance with applicable law, including securing the approval of Policy Owners if required. We will notify you if exercise of any of these rights would result in a material change in the Separate Account or its investments.

We will not make any changes without receiving any necessary approval of the SEC and applicable state insurance departments. We will notify you of any changes.

**POLICY BENEFITS**

The discussion below assumes that no riders under the Policy are in effect.

Standard Death Benefits

As long as the Policy remains in force (see "Policy Termination and Reinstatement — Termination"), Metropolitan Life will, upon due proof of the Insured's death, pay the insurance proceeds of the Policy to the named Beneficiary. If the Insured dies on a Valuation Date, the amount of the death benefit proceeds payable will be determined as of that date. If the Insured dies on a date that is not a Valuation Date, the amount of death benefit proceeds payable will be determined as of the next Valuation Date. The proceeds may be received by the Beneficiary in a single sum or under one or more of the optional income plans set forth in the Policy (see "Optional Income Plans").

The insurance proceeds are: (a) the death benefit provided under Option A or Option B, whichever is elected and in effect on the date of death; plus (b) any additional insurance on the Insured's life that is provided by rider; minus (c) any outstanding Indebtedness and any due and unpaid charges accruing during the grace period.

Payment of Insurance Proceeds

The Beneficiary can receive the death benefit in a single sum or under various income plans (see "Optional Income Plans"). You may make this choice during the Insured's lifetime. The Beneficiary has one year from the date the insurance proceeds are paid to change the selection from a single sum payment (provided the lump sum was made to the Total Control Account) to an income plan, as long as we have made no payments from the Total Control Account (see below). If the terms of the income plan permit the Beneficiary to withdraw the entire amount from the plan, the Beneficiary can also name contingent beneficiaries.

The Policy's death proceeds may generally be paid to your Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the Total Control Account in accordance with the terms of the Total Control Account established for you.

Assets backing the Total Control Account are maintained in our General Account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency.

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Every state has unclaimed property laws that generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary or the Policy Owner last resided, as shown on our books and records. ("Escheatment" is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated periods. To prevent your Policy's death benefit from being paid to the state's abandoned or unclaimed property office, it is important that you update your Beneficiary designation — including complete names and contact information — if and as it changes. You should contact our Designated Office in order to make a change to your Beneficiary designation.

Death Benefit Options

The Policy provides two death benefit options: Option A and Option B, as described below. The Policy Owner designates the desired option in the application and can change the option by written request (see "Change in Death Benefit Option").

**Option A** — The death benefit is equal to the specified face amount of insurance.

**Option B** — The death benefit is equal to the specified face amount of insurance plus the Cash Value.

**Minimum Death Benefit** — Under either Option A or Option B, there is a minimum death benefit equal to the greater of (1) the death benefit option chosen and (2) a percentage of the Cash Value as set forth in the table below. The minimum death benefit is determined in accordance with federal income tax laws, to ensure that the Policy qualifies as a life insurance policy and that the insurance proceeds will be excluded from the gross income of the Beneficiary.

**TABLE** 

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| | | | |
|:---|:---|:---|:---|
| **Age of Insured on**<br> **Date of Death**<br>| **Percentage of**<br> **Cash Value**<br>| **Age of Insured on**<br> **Date of Death**<br>| **Percentage of**<br> **Cash Value**<br>|
| 40 and less:  | 250% | 70:  | 115% |
| 45:  | 215% | 75:  | 105% |
| 50: | 185% | 80: | 105% |
| 55: | 150% | 85: | 105% |
| 60: | 130% | 90: | 105% |
| 65: | 120% | 95: | 100% |

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For the ages not listed, the progression between the listed ages is linear.

Both Option A and Option B provide insurance protection as well as possible build-up of Cash Value. Under Option A, the insurance coverage remains level unless the minimum death benefit applies. Under Option B, the insurance protection varies as the Cash Value changes.

For any specified face amount, the amount of the death benefit will be greater under Option B than under Option A, since the Cash Value is added to the specified face amount and included in the death benefit under Option B but not under Option A. By the same token, the cost of term insurance included in the Monthly Deduction (see

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"Charges and Deductions — Cost of Term Insurance") will be greater, and thus the accumulation of Cash Value will be lower, under Option B than under Option A, assuming the same specified face amount and the same actual premiums paid.

**Illustration of Option A.** For purposes of this illustration, assume that the Insured is under the age of 40, that there is no outstanding Indebtedness and that the Insured has not died during a grace period (see "Policy Termination and Reinstatement — Termination").

Under Option A, a Policy with a $100,000 specified face amount will generally pay $100,000 in death benefits. However, because the death benefit must be equal to or be greater than 250% of Cash Value, any time the Cash Value of this Policy exceeds $40,000, the death benefit will exceed the $100,000 specified face amount. Each additional dollar of Cash Value above $40,000 will increase the death benefit (assuming the Insured is Age 40 or less) by $2.50. Thus, a Policy with a Cash Value of $50,000 will have a death benefit of $125,000 (250% x $50,000); a Cash Value of $60,000 will yield a death benefit of $150,000 (250% X $60,000); and a Cash Value of $100,000 will yield a death benefit of $250,000 (250% x $100,000).

Similarly, so long as Cash Value exceeds $40,000, each dollar reduction in Cash Value will reduce the death benefit (assuming the Insured is Age 40 or less) by $2.50. If at any time, however, the Cash Value multiplied by the applicable percentage is less than the specified face amount, the death benefit will equal the specified face amount of the Policy.

**Illustration of Option B.** For purposes of this illustration, assume that the Insured is under the Age of 40, that there is no outstanding Indebtedness and that the Insured has not died during a grace period.

Under Option B, a Policy with a specified face amount of $100,000 will generally pay a death benefit of $100,000 plus the Cash Value. Thus, for example, a Policy with a Cash Value of $25,000 will have a death benefit of $125,000 ($100,000 + $25,000); a Cash Value of $50,000 will yield a death benefit of $150,000 ($100,000 + $50,000); and a Cash Value of $65,000 will yield a death benefit of $165,000 ($100,000 + $65,000). The death benefit, however, must be at least 250% of Cash Value. As a result, if the Cash Value of the Policy exceeds $66,666.67, the death benefit will be greater than the specified face amount plus Cash Value. Each additional dollar of Cash Value above $66,666.67 will increase the death benefit (assuming the Insured is age 40 or less) by $2.50. A Policy with a Cash Value of $75,000 will therefore have a death benefit of $187,500 (250% x $75,000); a Cash Value of $85,000 will yield a death benefit of $212,500 (250% x $85,000); a Cash Value of $100,000 will yield a death benefit of $250,000 (250% x $100,000).

Similarly, any time Cash Value exceeds $66,666.67, each dollar taken out of Cash Value will reduce the death benefit (assuming the Insured is Age 40 or less) by $2.50. Whenever Cash Value is less than $66,666.67 each dollar taken out of Cash Value will reduce the death benefit by one dollar and the death benefit will be the specified face amount plus the Cash Value of the Policy.

If the Insured dies on a date that is not a Valuation Date, the amount of death benefit proceeds payable will be determined as of the next Valuation Date.

**Change in Specified Face Amount.** Subject to certain limitations, a Policy Owner, after the second Policy year and before the Insured reaches Age 80, may increase or decrease the specified face amount of a Policy (see "Decreases" and "Increases" below). Any increase or decrease in the specified face amount requested by the Policy Owner will become effective on the Monthly Anniversary on or next following the Date of Receipt of the request, or, if evidence of insurability is required, the date of approval of the request.

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**Decreases.** The specified face amount remaining in force after any requested decrease may not be less than the Minimum Initial Specified Face Amount during the first five Policy years nor less than one-half the Minimum Initial Specified Face Amount thereafter. No decrease in the specified face amount will be permitted if it would result in total premiums paid exceeding the then current maximum premium limitations determined by Internal Revenue Code rules (see "Premiums — Premium Limitations"). For purposes of determining the cost of term insurance charge (see "Charges and Deductions — Cost of Term Insurance"; "Cost of Term Insurance Rate"; and "Rate Class"), a decrease in the specified face amount will reduce the specified face amount in the following order (a) the specified face amount provided by the most recent increase; (b) the next most recent increases successively; and (c) the specified face amount when the Policy was issued.

**Increases.** Any change in the specified face amount requested by the Policy Owner which results in an increase in the death benefit may be made only if the Cash Surrender Value after the change is large enough to cover at least two Monthly Deductions based on the most recent cost of term insurance charge deducted. The minimum amount of an increase is $5,000. Any such change will require that additional evidence of insurability be submitted to Metropolitan Life and will be subject to a one-time underwriting charge at a rate of $5.00 for each $1,000 of specified face amount increase. For example, if the specified face amount increase amounted to $25,500, the charge would be $127.50. Metropolitan Life will deduct this charge from the existing Cash Value in the Fixed Account and the investment divisions of the Separate Account in the same proportion that the Policy's Cash Value in the Fixed Account and the Policy's Cash Value in each investment division bear to the Policy's total Cash Value (except for the Cash Value in the Policy Loan Account) as of the Date of Receipt of the request (this method hereinafter referred to as the "Pro Rata Basis").

**Effect of Changes in Specified Face Amount on Charges.** A change in the specified face amount may affect the cost of term insurance and the net amount at risk, both of which may affect a Policy Owner's cost of term insurance charge and the monthly administration charge (see "Charges and Deductions — Cost of Term Insurance," "Cost of Term Insurance Rate," "Rate Class," and "Monthly Policy Charges"). This in turn can affect the level of subsequent Cash Values and death benefits. A change in the specified face amount may also affect the Policy's status as a modified endowment contract for tax purposes (see "Federal Tax Matters"). Finally, an increase in the specified face amount can result in additional surrender charges (see "Charges and Deductions — Surrender Charge").

**Change in Death Benefit Option.** Generally, the death benefit option in effect may be changed at any time after the second Policy year while the Insured is alive by sending a written request for change to our Designated Office. A change in death benefit option will not be permitted unless the Cash Surrender Value of a Policy after the change is effected would be sufficient to pay at least two Monthly Deductions. Changing death benefit options will not require evidence of insurability satisfactory to Metropolitan Life and the effective date of any such change will be the Monthly Anniversary on or following the Date of Receipt of the request.

If the death benefit option is changed from Option B to Option A, the specified face amount will be increased to equal the death benefit which would have been payable under Option B on the effective date of the change. The death benefit will not be altered at the time of the change. However, the change in death benefit option will affect the determination of the death benefit from that point on since the Cash Value will no longer be added to the specified face amount in determining the death benefit. From that point on, the death benefit will equal the new specified face amount (or, if higher, the minimum death benefit). This will mean that the cost of term insurance may be higher or lower than it otherwise would have been since any increases or decreases in Cash Value will, respectively, reduce or increase the term insurance amount under Option A (see "Charges and Deductions — Cost of Term Insurance").

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If the death benefit option is changed from Option A to Option B, the specified face amount will be decreased to equal the death benefit less the Cash Value on the effective date of the change. This change may not be made if it would result in a specified face amount that is less than the Minimum Initial Specified Face Amount during the first five Policy years and one-half the Minimum Initial Specified Face Amount thereafter. As with a change from Option B to Option A, a change from Option A to Option B will not alter the death benefit at the time of the change, but will affect the determination of the death benefit from that point on. Since, from that point on, the Cash Value will be added to the new specified face amount, the death benefit will vary with the Cash Value. Moreover, under Option B, the term insurance amount will not vary unless the minimum death benefit is in effect. Therefore, the cost of term insurance may be higher or lower than it otherwise would have been without the change in death benefit option (see "Charges and Deductions — Cost of Term Insurance"). A change in death benefit option will not be permitted if it results in total premiums paid exceeding the then current maximum premium limitations determined by Internal Revenue Service Rules (see "Premiums — Premium Limitations").

Under both Option A and Option B, cost of term insurance rates generally increase as the Insured's Age increases. Nevertheless, assuming a positive cumulative net investment return with respect to any amounts in the Separate Account, changing the death benefit option from Option B to Option A will reduce the term insurance amount and therefore the cost of term insurance charge for all subsequent Monthly Deductions compared to what such charge would have been if no such change were made.

A change in the death benefit option may also affect the monthly administration charge (see "Charges and Deductions — Monthly Policy Charges").

Cash Value

The total Cash Value of a Policy at any time is the sum of the Policy's Cash Values in the Fixed Account, the Policy Loan Account and the investment divisions of the Separate Account at such time. The Policy's Cash Value in the Separate Account may increase or decrease on each Valuation Date depending on the investment return of the chosen investment divisions of the Separate Account (see "Separate Account Net Investment Return"). There is no guaranteed minimum Cash Value in the Separate Account.

**Calculation of Separate Account Cash Value.** On the Investment Start Date, the Policy's Cash Value in an investment division was equal to the portion of any net premium allocated to the investment division, reduced by the portion of the first Monthly Deduction allocated to the Policy's Cash Value in that investment division (see "Payment and Allocation of Premiums — Allocation of Premiums and Cash Value"). Thereafter, on each Valuation Date, the Policy's Cash Value in an investment division of the Separate Account equals:

(1) The cumulative net premium payments allocated to the investment division; plus

(2) All Cash Values transferred to the investment division from the Fixed Account, from the Policy Loan Account upon loan repayment (including all interest credited on loaned amounts) or from another investment division; minus

(3) Any Cash Value transferred from the investment division to the Fixed Account, to the Policy Loan Account upon taking out a loan or to another investment division; minus

(4) Any partial cash withdrawal from the investment division; minus

(5) The portion of the cumulative Monthly Deductions allocated to the Policy's Cash Value in the investment division (see "Charges and Deductions — Monthly Deduction from Cash Value,"); minus

(6) The portion of any transfer charge allocated to the Policy's Cash Value in the investment division (see "Charges and Deductions — Transfer Charge"); plus

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

(7) The cumulative net investment return (discussed below) on the net amount of Cash Value in the investment division.

The Policy's total Cash Value in the Separate Account equals the sum of the Policy's Cash Value in each investment division.

**Separate Account Net Investment Return.** A Separate Account investment division's net investment return is determined as of 4:00 p.m., Eastern Time, on each Valuation Date. All transactions and calculations with respect to the Policies as of any Valuation Date are determined as of such time.

Each Separate Account investment division is credited with a rate of net investment return equal to its gross rate of investment return during the Valuation Period less (1) an adjustment for the Separate Account's charge for mortality and expense risks (equivalent to 0.90% on an annual basis) and (2) a charge for Metropolitan Life's taxes, if any such tax charge becomes necessary in the future (see "Charges and Deductions — Charges Against the Separate Account"). The investment division's gross rate of investment return is equal to the rate of increase or decrease in the net asset value per share of the underlying Portfolio over the Valuation Period, adjusted upward to take appropriate account of any dividends paid by the Portfolio during the period.

Depending primarily on the investment experience of the Portfolio, a Separate Account investment division's net investment return may be either positive or negative during a Valuation Period.

Benefit at Final Date

If the Insured is living, Metropolitan Life will pay to the Policy Owner the Cash Value of the Policy on the Final Date, reduced by any outstanding Indebtedness (see "Policy Benefits — Cash Value"). The Final Date of a Policy is the Policy anniversary on which the Insured is 95.

**OPTIONAL BENEFITS**

**In addition to the standard death benefit associated with your Policy, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.** 

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **IS BENEFIT**<br> **STANDARD OR**<br> **OPTIONAL?**<br>| **BRIEF DESCRIPTION OF**<br> **RESTRICTIONS OR**<br> **LIMITATIONS**<br>|
| *Disability Waiver Benefit* | This rider waives the entire <br> Monthly Deduction if the <br> Insured is disabled.<br>| Optional | This benefit was available to <br> be elected at Policy issue <br> only.<br>|
| *Accidental Death Benefit* | This rider provides additional <br> insurance equal to an amount <br> stated in the Policy if the <br> Insured dies from an accident <br> prior to Age 70.<br>| Optional | This benefit was available to <br> be elected at Policy issue <br> only.<br>|
| *Children's Term Insurance* <br> *Benefit*<br>| This rider provides term <br> insurance on each Insured <br> child.<br>| Optional | This benefit was available to <br> be elected at Policy issue <br> only.<br>|

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **IS BENEFIT**<br> **STANDARD OR**<br> **OPTIONAL?**<br>| **BRIEF DESCRIPTION OF**<br> **RESTRICTIONS OR**<br> **LIMITATIONS**<br>|
| *Spouse Term Insurance* <br> *Benefit*<br>| This rider provides term <br> insurance on the life of the <br> spouse.<br>| Optional | This benefit was available to <br> be elected at Policy issue <br> only.<br>|
| *Accelerated Death Benefit* | This rider provides for a one-<br> time discounted payment of <br> all or a portion of the death <br> benefit to the Policy Owner <br> once the Insured has been <br> determined to be terminally <br> ill with 12 months or less to <br> live.<br>| Optional | This benefit was available to <br> be elected at Policy issue <br> only. This benefit may reduce <br> your death benefit by more <br> than the amount of the <br> accelerated payment.<br>|
| *Interest Income Optional* <br> *Income Plan*<br>| The amount applied to this <br> income option will earn <br> interest which will be paid <br> monthly.<br>| Optional | Withdrawals of at least $500 <br> each may be made at any <br> time by written request.<br>|
| *Installment Income for* <br> *Stated Period*<br>| Payments under this income <br> option will be made in <br> monthly installment <br> payments over a chosen <br> period.<br>| Optional | The period chosen can be <br> from 1 to 30 years.<br>|
| *Installment Income of Stated* <br> *Amount*<br>| Payment under this income <br> option will be made in <br> monthly installment <br> payments of a chosen <br> amount.<br>| Optional |  |
| *Single Life Income-*<br> *Guaranteed Payment Period*<br>| Payment under this income <br> option will be made monthly <br> during the lifetime of the <br> payee with a chosen <br> guaranteed payment period.<br>| Optional | The guaranteed period can be <br> 10, 15 or 20 years.<br>|
| *Single Life Income-*<br> *Guaranteed Return*<br>| Payment under this income <br> option will be made monthly <br> during the lifetime of the <br> payee.<br>| Optional |  |
| *Joint and Survivor Life* <br> *Income*<br>| Payment under this income <br> option will be made monthly <br> and paid jointly to two <br> persons during their lifetime <br> and will continue during the <br> remaining lifetime of the <br> survivor.<br>| Optional | A total payment period of 10 <br> years is guaranteed.<br>|

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **IS BENEFIT**<br> **STANDARD OR**<br> **OPTIONAL?**<br>| **BRIEF DESCRIPTION OF**<br> **RESTRICTIONS OR**<br> **LIMITATIONS**<br>|
| *Equity Generator*<sup>SM</sup> <br> *Automated Investment* <br> *Strategy*<br>| Allows you to transfer the <br> interest earned in the Fixed <br> Account to the MetLife Stock <br> Index Division or the Frontier <br> Mid Cap Growth Division on <br> each monthly anniversary.<br>| Standard | Only one automated <br> investment strategy may be in <br> effect at a time.<br>|
| *Allocator*<sup>SM</sup> *Automated* <br> *Investment Strategy*<br>| Allows you to systematically <br> transfer Cash Value from the <br> Fixed Account or any one <br> investment division to any <br> other investment division.<br>| Standard | Only one automated <br> investment strategy may be in <br> effect at a time. The <br> minimum dollar amount from <br> the source fund is $100.<br>|
| *Equalizer* | Allows you to equalize the <br> Cash Value in the Fixed <br> Account and either the <br> MetLife Stock Index Division <br> or the Frontier Mid Cap <br> Growth Division on the <br> calendar quarter. All or a <br> portion of your Cash Value <br> must be allocated to the <br> Fixed Account and/or the <br> investment division selected <br> when requesting this <br> automated investment <br> strategy.<br>| Standard | Only one automated <br> investment strategy may be in <br> effect at a time.<br>|
| *Rebalancer*<sup>SM</sup> | The Rebalancer allows your <br> Policy's Cash Value to be <br> automatically redistributed <br> on a quarterly basis among <br> the investment divisions and <br> the Fixed Account in <br> accordance with the <br> allocation percentages you <br> have selected.<br>| Standard | Only one automated <br> investment strategy may be in <br> effect at a time.<br>|
| *Index Selector*<sup>SM</sup>  | The Index Selector allows you <br> to choose one of five asset <br> allocation models which are <br> designed to correlate to <br> various risk tolerance levels.<br>| Standard | Only one automated <br> investment strategy may be in <br> effect at a time.<br>|

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*Disability Waiver of Monthly Deduction Benefit.* This rider waives the entire Monthly Deduction during the total disability of the Insured if the Insured is totally and continuously disabled for at least six months beginning prior to Age 60. If the total disability continues without interruption to the Policy anniversary at Age 65, it will be deemed permanent and all future Monthly Deductions will be waived as they fall due. If a Policy Owner has Option A at the time of disability, a change to Option B will be encouraged if normally permitted since such a change will be to the

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Policy Owner's benefit. The option could not be changed during the first Policy year, during the first five Policy years if the specified face amount fell below $100,000 or thereafter if the specified face amount falls below $50,000.

For example, if the Monthly Deductions for a Policy were $150, we would waive $150 per month starting from the date the total disability, as defined in the rider, is triggered until the end of the disability.

*Accidental Death Benefit Rider.* This rider provides additional insurance equal to an amount stated in the Policy if the Insured dies from an accident prior to Age 70. The rider was only available for insureds up to Age 65. If the Insured was Age 0 at issue, no coverage was provided prior to the Insured's first birthday. The maximum coverage could be no more than coverage under the base Policy.

For example, if the base face amount of the Policy is $250,000 and the Accidental Death Benefit face amount is $100,000, we will pay a death benefit of $350,000 if an accident caused the Insured's death.

*Children's Term Insurance Benefit.* This rider provides term insurance on each Insured child payable to the child's Beneficiary if an Insured child dies before the end of coverage on that child (generally at the child's 25th birthday). The base policy must have been issued within certain underwriting classes. The child must have been 18 years old or younger on the rider application date. The minimum amount of insurance under the rider was $5,000 and the maximum amount of insurance under the rider was $20,000.

For example, a base policy with a face amount of $50,000 could have a Children's Term Insurance Rider that covers 3 children with a term face amount of $5,000 each.

*Spouse's Term Insurance Benefit.* The Spouse's Term Insurance Benefit provides term insurance coverage on your spouse payable to the spouse's Beneficiary if the spouse dies prior to Age 65 while the rider is in effect. This rider was only available if the Insured and the spouse met certain underwriting class and Age requirements. The specified face amount of the insurance under the rider could not have been greater than the specified face amount provided under the base policy.

For example, a base policy with a face amount of $50,000 could have a Spouse's Term Insurance Rider that covers your spouse with a term face amount of $5,000.

*Acceleration of Death Benefit Rider.* This rider provides for a one-time discounted payment of all or a portion of the death benefit to the Policy Owner once the Insured has been determined to be terminally ill with twelve months or less to live. Upon payment of a portion of the death benefit, the death benefit under the Policy is reduced to reflect the amount of the payment. In addition, the specified face amount, the Cash Value and the Cash Surrender Value are reduced by the same proportion as the amount of the reduction of the death benefit divided by the death benefit prior to the payment. Any outstanding loan is reduced and paid out of the proceeds of the portion only if such reduction is necessary to keep the Policy in force. Moreover, in the case of payment of all of the death benefit, the amount of any outstanding Policy loan will be deducted from the payment. The payment under this rider may be taxable or may affect eligibility for benefits under state or federal law. Counsel and other competent advisors should be consulted to determine the effect on an individual situation.

For example, if a Policy Owner accelerated the death benefit of a Policy with a face amount of $1,000,000, the maximum amount that could be accelerated would be $250,000. Assuming an interest rate of 6%, the present value of the benefit would be $235,849. If we exercised our reserved right to impose a $150 processing fee, the benefit payable would be $235,849 less $150, or $235,699.

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*Interest Income Optional Income Plan.* This income option allows the Beneficiary of the Policy to maintain the money from death benefit proceeds in an interest bearing account and receive interest payments and make partial withdrawals rather than receiving a lump sum insurance benefit upon the death of the Insured.

For example, if the death benefit that is payable on the death of the Insured is $100,000, the Beneficiary may elect to receive only the interest on this amount on a quarterly basis.

*Installment Income for a Stated Period.* This settlement option allows the Beneficiary of the Policy to receive the death benefit in monthly installments over a stated period of time rather than receiving a lump sum insurance benefit upon the death of the Insured.

For example, if the death benefit that is payable on the death of the Insured is $100,000, the Beneficiary may elect to receive monthly installments over a 10 year period and each monthly installment will consist of a portion of the death benefit plus interest.

*Installment Income for a Stated Amount.* Payment under this income option will be made in monthly installment payments of a chosen amount until the chosen amount applied with interest is paid.

For example, if the death benefit that is payable on the death of the Insured is $100,000, the Beneficiary may elect to receive monthly installments which will consist of a portion of the death benefit plus interest until the stated amount is paid.

*Single Life Income-Guaranteed Payment Period.* This income option allows the Beneficiary of the Policy to receive the death benefit in monthly installments during the lifetime of the Beneficiary with a chosen guaranteed payment period.

For example, if the Beneficiary elects to receive monthly installments for life with a guaranteed period of 10 years and the Beneficiary dies in year 8, the new Beneficiary will receive monthly installments until the end of the 10 year period.

*Single Life Income-Guaranteed Return.* This income option allows the Beneficiary of the Policy to receive the death benefit in monthly installments during the lifetime of the payee and if the payee dies before the total amount applied under this option is paid, then the remaining death benefit will be paid to the new Beneficiary in a lump sum.

For example, if the death benefit that is payable on the death of the Insured is $100,000 and the Beneficiary elects to receive monthly payments for their life with a guaranteed return of $100,000 and the Beneficiary dies after $80,000 has been paid, the remaining $20,000 will be paid to the new Beneficiary in a lump sum.

*Joint and Survivor Life Income.* This income option allows the joint Beneficiaries of the Policy to receive the death benefit in monthly installments during the lifetime of the Beneficiaries.

For example, both Beneficiaries will receive the death benefit in monthly installments during their joint lives and upon the death of one Beneficiary, the other Beneficiary will continue to receive the death benefit for their life.

**Automated Investment Strategies:** You can choose one of five automated investment strategies. You can change or cancel your choice at any time. These automated investment strategies allow you to take advantage of investment fluctuations, but none assures a profit nor protects against a loss. Because certain strategies involve continuous investment in securities regardless of fluctuating price levels of such securities, you should consider your financial ability to continue purchases through periods of fluctuating price levels.

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We reserve the right to modify or terminate any of the automated investment strategies for any reason, including, without limitation, a change in regulatory requirements applicable to such programs. For more information about the automated investment strategies, please contact your financial advisor.

**Equity Generator**<sup>SM</sup>**.** The Equity Generator allows you to transfer the interest earned in the Fixed Account to the MetLife Stock Index Division or the Frontier Mid Cap Growth Division on each Monthly Anniversary. The interest earned in the month must be at least $20 in order for the transfer to take place. If less than $20 is earned, no transfer will occur, and the interest not transferred cannot be counted towards the next month's minimum.

For example if you earn $50 of interest on amounts that you have allocated to the Fixed Account, that amount will be automatically transferred to the investment division of your choice on the Monthly Anniversary.

**Allocator**<sup>SM</sup> .The Allocator allows you to systematically transfer Cash Value from the Fixed Account or any one investment division (the "source fund") to any number of investment divisions. The transfers will take place on a specified day each month. You can choose to transfer a specified dollar amount (1) for a specified number of months, or (2) until the source fund is depleted. In either case, the minimum dollar amount from the source fund is $100.

For example you may choose to systematically transfer $1,200 to an investment division of your choice over 12 months on your Monthly Anniversary, and on each Monthly Anniversary for 12 months, we will transfer $100 to the investment division.

**Equalizer.** The Equalizer allows you to equalize the Cash Value in the Fixed Account and either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division on the calendar quarter. All or a portion of your Cash Value must be allocated to the Fixed Account and/or the investment division selected when requesting this automated investment strategy.

For example, this option will automatically rebalance the Cash Value in the Fixed Account and either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division to a 50/50 split on each calendar quarter.

**Rebalancer**<sup>SM</sup>**.** The Rebalancer allows your Policy's Cash Value to be automatically redistributed on a quarterly basis among the investment divisions and the Fixed Account in accordance with the allocation percentages you have selected.

For example, if you allocated 25% to each of four investment divisions, at the end of each quarter, we will transfer amounts among those four investment divisions so that 25% of your Policy's Cash Value is in each investment division.

**Index Selector**<sup>SM</sup>**.** The Index Selector allows you to choose one of five asset allocation models which are designed to correlate to various risk tolerance levels. Based on your selection, we allocate 100% of your Cash Value among the five investment divisions that invest in the five index Portfolios available under the Policy (the MetLife Aggregate Bond Index, MetLife MSCI EAFE Index, MetLife Stock Index, MetLife Mid Cap Stock Index and MetLife Russell 2000 Index Portfolios) and the Fixed Account. If you change your allocation of net premiums the Index Selector strategy, including the rebalancing feature, will be terminated.

We will continue to implement the Index Selector strategy using the percentage allocations of the model that was in effect when you elected the Index Selector strategy. You should consider whether it is appropriate for you to continue using this strategy over time if your risk tolerance, time horizon or financial situation changes. The asset

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allocation models used in Index Selector may change from time to time. If you are interested in an updated model, please contact your financial advisor.

For example, on a quarterly basis, we will redistribute your Cash Value among these investment divisions and the Fixed Account in order to return your Cash Value to the original allocation percentages*.*

Optional Income Plans

If an income plan is elected then a separate contract will be issued describing the terms of the plan. Specimen contracts may be obtained from our Designated Office, and reference should be made to these forms for further details. Payments under income plans are made from the Company's General Account and do not depend upon the investment experience of the Separate Account. If the payee is not a natural person, then the Company must approve the income plan. A collateral assignment will modify a prior choice of income plan and the amount due the assignee will be payable in one sum and the balance will be applied to the income plan. A minimum payment of at least $50 is required in order for an income plan election to be effective. Income plan payments may not be assigned and, to the extent permitted by law, will not be subject to the claims of creditors. While the income plans pay amounts monthly, the Policy Owner may elect to have payments made quarterly, semiannually or annually. Amounts applied under the interest income and installment income plans will earn interest at a rate set from time to time by Metropolitan Life but will never be less than 3% per year. Life income payments will be based on a rate set by Metropolitan Life and in effect on the date the amount to be applied becomes payable, but never less than the minimum payments guaranteed in the Policy. Such minimum guaranteed payments are based on certain assumed mortality rates and an interest rate of 3%. Optional Income Plans are fixed benefits and do not vary with investment performance of the Separate Account.

**PAYMENT AND ALLOCATION OF PREMIUMS**

Issuance of a Policy

The Policies are no longer offered for sale. Individuals wishing to purchase a Policy were required to complete an application which was sent to our Designated Office. To have issued a Policy, the specified face amount was required to be at least equal to the Minimum Initial Specified Face Amount. Policies were generally issued only to insureds 80 years of age or younger who supplied evidence of insurability satisfactory to Metropolitan Life. Metropolitan Life, however, at its sole discretion, could have issued a Policy to an individual older than the age of 80. Acceptance was subject to Metropolitan Life's underwriting rules, and Metropolitan Life reserved the right to reject an application for any reason permitted by law.

The Date of Policy is the date used to determine Policy years and Policy months regardless of when the Policy was delivered. The Date of Policy will ordinarily be the date the application was approved. Within limits, Metropolitan Life could have established an earlier Date of Policy (but no earlier than six months before the date the application was completed) if desired to preserve a younger Age at issue for the Insured. Individuals could also have requested that the Date of Policy be the date the application is completed if a payment of at least $2,500 was received with the application. In these instances, the Policy Owner would have incurred a charge for insurance protection prior to the time that insurance coverage under the Policy was in force (except under any temporary insurance agreement described below). However, an earlier Date of Policy had the potential advantage, to the Policy Owner, of an earlier Investment Start Date if a payment was received with the application. In the case of certain payroll deduction plans or other automatic investment plans, the Date of Policy could have been earlier or later than the date the first premium payment was received, pursuant to established administrative rules.

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If a premium payment equivalent to at least one "check-o-matic" payment was received with the application, and there had been no material misrepresentation in the application, fixed temporary insurance equal to the specified face amount applied for up to a maximum amount of $500,000, provided at no additional charge, started as of the date the application was completed and continued for a maximum of 90 days. However, if a medical examination of a person to be Insured was initially required by the underwriting rules of Metropolitan Life, coverage on that person did not start until completion of the examination. If it was not completed within 90 days from the date of the application, there was no coverage, except that, if the person to be Insured died from an accident within 30 days from the date of the application and before the examination was completed, temporary insurance was in effect if it had not already ended under the terms of the temporary insurance agreement. In no event was the death benefit to be provided under the temporary insurance agreement if death was by suicide.

Metropolitan Life allocated net premiums to the Separate Account and/or the Fixed Account on the Investment Start Date (see "Allocation of Premiums and Cash Value"). The Investment Start Date was the later of (i) the Date of Policy and (ii) the date the first premium for a Policy was received at our Designated Office.

Except as otherwise provided in any temporary insurance agreement, there was no insurance coverage under a Policy unless at the time the Policy was delivered the Insured's health was the same as stated in the application and, in most states, the Insured had not sought medical advice or treatment subsequent to the date of the application.

Premiums

**Payment of Premiums.** Each Policy Owner determined a Planned Periodic Premium schedule that provides for the payment of a level premium at fixed intervals for a specified period of time. During the first two Policy years, premium payments must have at least equaled a minimum allowable planned premium schedule. After the first two Policy years, the Policy Owner was not required to pay premiums in accordance with the Planned Periodic Premium schedule.

The payment of Planned Periodic Premiums will not guarantee that the Policy remains in force after the first two Policy years. Instead, the duration of the Policy after the first two Policy years depends upon the Policy's Cash Surrender Value (see "Policy Termination and Reinstatement — Termination").

The Policy Owner designated in the application one of the following ways to pay the Planned Periodic Premium. The Policy Owner may have elected to pay the Planned Periodic Premium annually, semi- annually, or monthly through "check-o-matic" payments. Monthly "check-o-matic" payments are automatically made by preauthorized transfers from a bank checking account. A Policy Owner may also elect to pay monthly Planned Periodic Premiums through various payroll deduction plans if provided by the employer of the Policy Owner.

Subject to the minimum and maximum premium limitations described below, a Policy Owner may make unscheduled premium payments at any time in any amount. The Policy, therefore, provides the Policy Owner with the flexibility to vary the frequency and amount of premium payments to reflect changing financial conditions.

All premium payments after the initial premium payment are credited to the investment divisions or Fixed Account as of the Date of Receipt.

**Premium Limitations.** During the first two Policy years, premium payments by a Policy Owner must have at least equaled the minimum allowable planned premium for the particular Policy or the Policy would have terminated after a grace period commencing on a Monthly Anniversary when the total premiums paid as of that date were not at least equal to the minimum premiums required as of that date and the Cash Surrender Value was insufficient to

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pay the Monthly Deduction on that date. The minimum allowable planned premium is equal to the then current annual Target Premium for the Policy.

Except as described below, the total of all premiums paid, both planned and unplanned, can never exceed the then current maximum premium limitation determined by Internal Revenue Code rules relating to the definition of life insurance. If at any time a premium is paid that would result in total premiums exceeding the then current maximum premium limitations, Metropolitan Life will accept only that portion of the premium that will make total premiums equal the limit. Any part of the premium in excess of that amount will be refunded, and no further premiums will be accepted until allowed by the maximum premium limitations. These limitations will not apply to any premium that is required to be paid in order to prevent the Policy from terminating.

There may be cases where the total of all premiums paid could cause the Policy to be classified as a modified endowment contrat ("MEC") (see "Federal Tax Matters"). The annual statement sent to each Policy Owner will include information regarding the MEC status of a Policy. In cases where a Policy is not an irrevocable MEC, the annual statement will indicate what action the Policy Owner can take to reverse the MEC status of the Policy.

Every planned premium payment after the first Policy year must be at least $200 on an annual basis, $100 on a semi-annual basis and $15 on a "check-o-matic" or other pre-authorized transfer basis. Every unplanned premium payment must be at least $250. Premium payments less than these minimum amounts will be refunded to the Policy Owner.

Allocation of Net Premiums and Cash Value

**Net Premiums.** The net premium equals the premium paid less premium expense charges (see "Charges and Deductions — Premium Expense Charges").

**Allocation of Net Premiums.** In the application for a Policy, the Policy Owner indicated the initial allocation of net premiums among the Fixed Account and the investment divisions of the Separate Account. The minimum percentage of each premium that may be allocated to the Fixed Account or any investment division of the Separate Account is 10%. Allocation percentages must be in whole numbers; for example, 33 <sup>1</sup>∕3% may not be chosen. The Policy Owner may change the allocation of future net premiums without charge at any time by providing Metropolitan Life with written notification at our Designated Office. The change will be effective as of the Date of Receipt of the notice at our Designated Office.

The Policy's Cash Value in the investment divisions of the Separate Account will vary with the investment experience of these investment divisions, and the Policy Owner bears this investment risk. Policy Owners should periodically review their allocations of net premiums and Cash Values in light of market conditions and their overall financial planning requirements.

Transfers of Cash Value

Policy Owners may transfer Cash Value between and among the investment divisions and the Fixed Account. Metropolitan Life reserves the right to limit transfers to four (4) per Policy year and to impose a charge of $25 per transfer. Currently Metropolitan Life does not limit the number of transfers per Policy year or impose a charge on transfers. The minimum amount that may be transferred is the lesser of $50 or the total amount in an investment division or, if the transfer is from the Fixed Account the total amount in the Fixed Account. All transfer requests made at the same time are treated as a single request. The transfer is effective as of the date the transfer request is received, if the request is received before the close of regular trading on the New York Stock Exchange. Transfer

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requests received after that time, or on a day that the New York Stock Exchange is not open, will be effective on the next day that the New York Stock Exchange is open. (See "Receipt of Communications and Payments at Metropolitan Life's Designated Office.") For special rules regarding transfers involving the Fixed Account, see "The Fixed Account".

Restrictions on Frequent Transfers

Metropolitan Life has policies and procedures that attempt to detect and deter frequent transfers in situations where it is determined that there is a potential for arbitrage trading. Currently, Metropolitan Life believes that such situations may be presented in the international, small-cap, and high-yield Portfolios. In addition, as described below, all American Funds Insurance Series portfolios ("American Funds portfolios") are treated as Monitored Portfolios. The following Portfolios are monitored ("Monitored Portfolios"):

● American Funds Growth Fund

● American Funds Growth-Income Fund

● American Funds SMALLCAP World Fund<sup>®</sup>

● American Funds The Bond Fund of America

● Baillie Gifford International Stock Portfolio

● CBRE Global Real Estate Portfolio

● Harris Oakmark International Portfolio

● Invesco Global Equity Portfolio

● Invesco Small Cap Growth Portfolio

● Loomis Sayles Small Cap Core Portfolio

● Loomis Sayles Small Cap Growth Portfolio

● MetLife MSCI EAFE<sup>®</sup> Index Portfolio

● MetLife Russell 2000<sup>®</sup> Index Portfolio

● MFS<sup>®</sup> Research International Portfolio

● Neuberger Berman Genesis Portfolio

● &nbsp;&nbsp;&nbsp;&nbsp;T. Rowe Price Small Cap Growth Portfolio

● Western Asset Management Strategic Bond Opportunities Portfolio

Metropolitan Life employs various means to monitor transfer activity, such as examining the frequency and size of transfers into and out of the Monitored Portfolios within given periods of time. For example, transfer activity is currently monitored to determine if, for each category of international, small-cap, and high-yield Portfolios, in a 12-month period there were, (1) six or more transfers involving the given category; (2) cumulative gross transfers

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involving the given category that exceed the current cash value; and (3) two or more "round-trips" involving any Portfolio in the given category. A round-trip generally is defined as a transfer in followed by a transfer out within the next seven calendar days or a transfer out followed by a transfer in within the next seven calendar days, in either case subject to certain other criteria. **We do not believe that other Portfolios present a significant opportunity to engage in arbitrage trading and therefore does not monitor transfer activity in those Portfolios.** We may change the Monitored Portfolios at any time without notice in our sole discretion.

As a condition to making their Portfolios available in Metropolitan Life's products, American Funds requires that all American Funds Portfolios be treated as Monitored Portfolios under current frequent transfer policies and procedures. Further, American Funds requires that additional specified monitoring criteria be imposed for all American Funds Portfolios available under the Policy, regardless of the potential for arbitrage trading. Metropolitan Life is required to monitor transfer activity in American Funds Portfolios to determine if there were two or more transfers in followed by transfers out, in each case of a certain dollar amount or greater, in any 30-day period. A first violation of the American Funds monitoring policy will result in a written notice of violation; each additional violation will result in the imposition of a six-month restriction, during which period we will require all transfer requests to or from an American Funds Portfolio to be submitted with an original signature. Further, as Monitored Portfolios, all American Funds Portfolios also, will be subject to our current frequent transfer policies, procedures and restrictions (described below), and transfer restrictions may be imposed upon a violation of either monitoring policy.

Metropolitan Life's policies and procedures may result in transfer restrictions being applied to deter frequent transfers. Currently, when Metropolitan Life detects transfer activity in the Monitored Portfolios that exceeds current transfer limits, future transfer requests to or from any Monitored Portfolios or other identified Portfolios under that Policy are required to be submitted in writing with an original signature. A first occurrence will result in a warning letter; a second occurrence will result in the imposition of the restriction for a six-month period; a third occurrence will result in the permanent imposition of the restriction. Transfers made under an Automated Investment Strategy are not treated as transfers when Metropolitan Life monitors the frequency of transfers.

The detection and deterrence of harmful transfer activity involves judgments that are inherently subjective, such as the decision to monitor only those Portfolios that Metropolitan Life believes are susceptible to arbitrage trading or the determination of the transfer limits. Metropolitan Life's ability to detect and/or restrict such transfer activity may be limited by operational and technological systems, as well as the ability to predict strategies employed by Policy Owners to avoid such detection. The ability to restrict such transfer activity also may be limited by provisions of the Policy. Accordingly, there is no assurance that Metropolitan Life will prevent all transfer activity that may adversely affect Policy Owners and other persons with interests in the Policies. Metropolitan Life does not accommodate frequent transfers in any Portfolio and there are no arrangements in place to permit any Policy Owner to engage in frequent transfers. Metropolitan Life applies its policies and procedures without exception, waiver, or special arrangement.

The Portfolios may have adopted their own policies and procedures with respect to frequent transfers in their respective shares, and Metropolitan Life reserves the right to enforce these policies and procedures. For example, Portfolios may assess a redemption fee (which Metropolitan Life reserves the right to collect) on shares held for a relatively short period. The prospectuses for the Portfolios describe any such policies and procedures, which may be more or less restrictive than the policies and procedures that Metropolitan Life has adopted. Although Metropolitan Life may not have the contractual authority or the operational capacity to apply the frequent transfer policies and procedures of the Portfolios, Metropolitan Life has entered into a written agreement, as required by SEC regulation, with each Portfolios or its principal underwriter that obligates Metropolitan Life to provide to the

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Portfolio promptly upon request certain information about the trading activity of individual Policy Owners, and to execute instructions from the Portfolio to restrict or prohibit further purchases or transfers by specific Policy Owners who violate the frequent transfer policies established by the Portfolio.

In addition, Policy Owners and other persons with interests in the Policies should be aware that the purchase and redemption orders received by the Portfolios generally are "omnibus" orders from intermediaries such as retirement plans or separate accounts funding variable insurance products. The omnibus orders reflect the aggregation and netting of multiple orders from individual owners of variable insurance products and/or individual retirement plan participants. The omnibus nature of these orders may limit the Portfolios in their ability to apply their frequent transfer policies and procedures. In addition, the other insurance companies and/or retirement plans may have different policies and procedures or may not have any such policies and procedures because of contractual limitations. For these reasons, we cannot guarantee that the Portfolios (and thus Policy Owners) will not be harmed by transfer activity relating to other insurance companies and/or retirement plans that may invest in the Portfolios. If a Portfolio believes that an omnibus order reflects one or more transfer requests from Policy Owners engaged in frequent trading, the Portfolio may reject the entire omnibus order.

In accordance with applicable law, Metropolitan Life reserves the right to modify or terminate the transfer privilege at any time. Metropolitan Life also reserves the right to defer or restrict the transfer privilege at any time that shares of any of the Portfolios are unable to be purchased or sold, including any refusal or restriction on purchases or redemptions of their shares as a result of their own policies and procedures on frequent transfers (even if an entire omnibus order is rejected due to the frequent transfers of a single Policy Owner). You should read the Portfolio prospectuses for more details.

Restrictions on Large Transfers

Large transfers may increase brokerage and administrative costs of the underlying Portfolios and may disrupt portfolio management strategy, requiring a Portfolio to maintain a high cash position and possibly resulting in lost investment opportunities and forced liquidations. Metropolitan Life does not monitor for large transfers to or from Portfolios except where the portfolio manager of a particular underlying Portfolio has brought large transfer activity to Metropolitan Life's attention for investigation on a case-by-case basis. For example, some portfolio managers have asked us to monitor for "block transfers" where transfer requests have been submitted on behalf of multiple Policy Owners by a third party such as an investment adviser. When Metropolitan Life detects such large trades, it may impose restrictions similar to those described above where future transfer requests from that third party must be submitted in writing with an original signature. A first occurrence will result in a warning letter; a second occurrence will result in the imposition of the restriction for a six-month period; a third occurrence will result in the permanent imposition of the restriction.

In addition to the foregoing, a Policy Owner's right to make transfers is subject to limitations or modifications by us if we determine, in our sole opinion, that the exercise of the right by one or more Policy Owners with interests in the investment divisions is, or would be, to the disadvantage of other Policy Owners. Restrictions may be applied in any manner reasonably designed to prevent any use of the transfer right that we consider to be to the disadvantage of other Policy Owners. A limitation or modification could be applied to transfers to and from one or more of the investment divisions and could include, but is not limited to: (1) the requirement of a minimum time period between each transfer; (2) not accepting a transfer request from a third party acting under authorization on behalf of more than one Policy Owner; (3) limiting the dollar amount that may be transferred by a Policy Owner between investment divisions at any one time; or (4) requiring that a transfer request be provided in writing and signed by the Policy Owner.

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Transfers You Can Make by Telephone

Subject to our frequent trading procedures, we may, if permitted by state law, allow you to make transfer requests, changes to Automated Investment Strategies and changes to allocations of future net premiums by phone. We generally allow you to authorize your sales representative to make such requests. The following procedures apply:

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We will institute reasonable procedures to confirm that instructions we receive are genuine. Our procedures will include receiving from the caller your personalized data. Any telephone instructions that we reasonably believe to be genuine are your responsibility, including losses arising from such instructions. Because telephone transactions may be available to anyone who provides certain information about you and your Policy, you should protect that information. We may not be able to verify that you are the person providing telephone instructions, or that you have authorized any such person to act for you.

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All telephone calls will be recorded.

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You will receive a written confirmation of any transaction.

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Neither the Separate Account nor we will be liable for any loss, expense or cost arising out of a telephone request if we reasonably believed the request to be genuine.

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You should contact our Designated Office with any questions regarding the procedures.

Telephone, facsimile, and computer systems may not always be available. Any telephone, facsimile, or computer system, whether it is yours, your service provider's, your sales representative's, or ours, can experience outages or slowdowns for a variety of reasons. These outages or slowdowns may delay or prevent our processing of your request. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability under all circumstances. If you are experiencing problems, you should make your request by writing to our Designated Office.

Policy Termination and Reinstatement

**Termination.** If, during the first two Policy years, the Cash Surrender Value on any Monthly Anniversary was insufficient to cover the Monthly Deduction and the total premiums paid as of such Monthly Anniversary were not equal to the minimum premiums required as of that date, Metropolitan Life notified the Policy Owner and any assignee of record of that difference. Also, if, after the first two Policy years, the Cash Surrender Value on any Monthly Anniversary is insufficient to cover the Monthly Deduction, Metropolitan Life will notify the Policy Owner and any assignee of record of that shortfall. In either case, the Policy Owner will then have a grace period of 61 days, measured from the Monthly Anniversary, to make sufficient payment. In the first two Policy years, the minimum necessary premium payment was required to be an amount equal to the difference between the total premiums previously paid and the minimum required premiums. After the first two Policy years, the minimum necessary payment must be an amount sufficient to keep the Policy in force for two months after the premium expense charges have been deducted. Failure to make a sufficient payment within the grace period will result in termination of the Policy. In the first two Policy years after issue or after an increase in the specified face amount, any excess sales charges (see "Surrender Charge — Excess Sales Charge") will be returned to the Policy Owner. Otherwise, a Policy terminates without any Cash Surrender Value. If the Insured dies during the grace period, the insurance proceeds will still be payable, but any due and unpaid Monthly Deductions will be deducted from the proceeds.

**Reinstatement.** A terminated Policy may be reinstated anytime within 3 years (5 years in Missouri) after the end of the grace period and before the Final Date by submitting the following items to our Designated Office: (1) a written application for reinstatement; (2) evidence of insurability satisfactory to Metropolitan Life; and (3) a premium

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that, after the deduction of the premium expense charges (see "Charges and Deductions — Premium Expense Charges"), is large enough to cover: (a) the Monthly Deductions for at least the two Policy months commencing with the effective date of reinstatement; (b) any due and unpaid monthly Policy charges incurred during the first Policy year; (c) any portion of the surrender charge which was not paid at termination because the Cash Value at termination was insufficient to pay such portion of the charge; (d) for terminations occurring in the two Policy years after issue or after an increase in the specified face amount, an amount equal to the excess, if any, of (i) the portion of the surrender charge applicable to the issue or the increase which would be payable (without regard to any excess sales charge limitations as described in "Surrender Charge — Excess Sales Charge") if the Policy were surrendered in the Policy year of reinstatement and as if the Policy had not been terminated earlier over (ii) the amount of the applicable surrender charge paid at termination; and (e) interest at the rate of 6% per year on the amount set forth in (b) from the commencement of the grace period to the date of reinstatement. Metropolitan Life reserves the right to waive the interest due set forth in (e) above.

Notwithstanding the above, with respect to the reinstatement of a Policy that was terminated during the first two Policy years, Metropolitan Life accepted as the premium required for reinstatement the lesser of the amount as defined in the immediately preceding paragraph and the following: the excess of the sum of (a) the Monthly Deductions for at least the two Policy months commencing with the effective date of reinstatement; (b) the total of the minimum required premiums that would have been payable under the Policy from the date of the Policy until the effective date of reinstatement had no termination occurred; and (c) an amount that after the deduction of the premium expense charges would equal any amount previously refunded to the Policy Owner as an Excess Sales Charge (see "Surrender Charge — Excess Sales Charge"), over the sum of all premiums paid by the Policy Owner to the effective date of the termination before any charges or deductions were applied. Metropolitan Life offers this alternative calculation of the premium required for reinstatement at present but reserves the right to modify or rescind this offer at its sole discretion.

Indebtedness on the date of termination will be cancelled and need not be repaid and will not be reinstated. The amount of Cash Surrender Value on the date of reinstatement will be equal to two Monthly Deductions plus any amount of net premiums paid at reinstatement in excess of the amount of premium required above to reinstate the Policy.

The date of reinstatement will be the date of approval of the application for reinstatement. The terms of the original Policy, including the insurance rates provided therein, will apply to the reinstated Policy. However, a Policy which was terminated and reinstated during the first two Policy years was subject to termination after a grace period when the Cash Surrender Value was insufficient to pay a Monthly Deduction even if all minimum premiums required to be paid during the first two Policy years had been paid. A reinstated Policy is subject to a new two year period of contestability (see "Other Policy Provisions — Incontestability").

Receipt of Communications and Payments at Metropolitan Life's Designated Office

Metropolitan Life will treat a Policy Owner's request for a Policy transaction, or submission of a payment, as received by Metropolitan Life if a request conforming to our administrative procedures or a payment at our Designated Office is received before the close of regular trading on the New York Stock Exchange on that day (usually 4:00 p.m. Eastern Time). If it is received after that time, or if the New York Stock Exchange is not open that day, then it will be treated as received on the next day when the New York Stock Exchange is open. These rules apply regardless of the reason your request was not received by the close of regular trading on the New York Stock Exchange — even if due to Metropolitan Life's delay (such as a delay in answering a Policy Owner's telephone call).

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Our Designated Office for premium payments is printed on the billing statement mailed to Policy Owner. If the Policy Owner does not have a billing statement, they may call us at (833) 642-1007 to obtain the address.

Policy Owners may request a Cash Value transfer or reallocation of future premiums by written request (which may be telecopied) to Metropolitan Life, by telephoning or over the Internet (subject to restrictions on frequent transfers). To request a transfer or reallocation by telephone, Policy Owners should contact their financial advisor or contact Metropolitan Life at (833) 642-1007. To request a transfer over the Internet, Policy Owners may log on to the Metropolitan Life website at online.metlife.com. Metropolitan Life uses reasonable procedures to confirm that instructions communicated by telephone, facsimile or Internet are genuine. Any telephone, facsimile or Internet instructions reasonably believed to be genuine are Policy Owner's responsibility, including losses arising from any errors in the communication of instructions. However, because telephone, facsimile and Internet transactions may be available to anyone who provides certain information about a Policy Owner and their Policy, Policy Owners should protect that information. Metropolitan Life may not be able to verify that a Policy Owner is the person providing telephone, facsimile or Internet instructions, or that the Policy Owner has authorized any such person to act for them.

Telephone, facsimile, and computer systems (including the Internet) may not always be available. Any telephone, facsimile or computer system, whether it is a Policy Owner's, their service provider's, their financial advisor's, or Metropolitan Life's, can experience outages or slowdowns for a variety of reasons. These outages or slowdowns may delay or prevent our processing of requests. Although Metropolitan Life has taken precautions to help its systems handle heavy use, there can be no promise of complete reliability under all circumstances. If a Policy Owner is experiencing problems, they should make their request by writing to our Designated Office.

If Policy Owner's send their Premium payments or transaction requests to an address other than the one designated for receipt of such payments or requests, the Premium payment may be returned, or there may be a delay in applying the Premium payment or transaction to the Policy.

**CHARGES AND DEDUCTIONS**

Premium Expense Charges

**Sales Load.** A charge (which may be deemed to be a sales load as defined in the 1940 Act) is deducted from each premium payment received by Metropolitan Life as described below. A charge of 2% of premiums paid is deducted from all premium payments. There is also a charge (which may be deemed to be a sales load) upon the surrender of a Policy during the first fifteen Policy years or during the first fifteen Policy years after an increase in the specified face amount of a Policy (see "Surrender Charge").

The amount of the sales load (whether from either the premium expense charge or upon surrender of the Policy) in any Policy year cannot be specifically related to actual sales expenses for that year, which include sales commissions and costs of prospectuses, other sales material and advertising. To the extent that sales expenses are not recovered from the charges for sales load, such expenses will be recovered from other sources, including any excess accumulated charges for mortality and expense risks under the Policies, any other gains attributable to operations with respect to the Policies and Metropolitan Life's general assets and surplus. Metropolitan Life does not anticipate that all its total sales expenses will be recovered from the sales charges.

**State Premium Tax Charge.** An additional charge is made for state premium taxes of 2% of each premium payment. Premium taxes vary from state to state, and the 2% rate approximates the average tax rate expected to be paid on premiums from all states.

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**Special Rules.** Special rules applied to the deduction of premium expense charges in the case of a payment of a premium for a Policy at its issue or within six months of its issue when such payment was made in a lump sum with all or a portion of the proceeds of a cash surrender from a non-flexible permanent life policy or an unmatured endowment policy issued by Metropolitan Life or any of its affiliates. Under such special rules, which applied only to the amount derived from such proceeds, Metropolitan Life waived the 4% premium expense charges. These special rules applied only if the surrendered policy is a single owner policy on the life of the primary Insured under the Policy being purchased. For purposes of computing the sales load, in the event that a lump sum consists of an amount derived from such proceeds and an amount not so derived, the lump sum will be treated as two separate payments, with the amount derived from proceeds being deemed as the first payment.

Transfer Charge

At the present time, no charge will be assessed against the Cash Value of a Policy when amounts are transferred among the investment divisions of the Separate Account and between the investment divisions and the Fixed Account. Metropolitan Life reserves the right in the future to assess a charge of up to $25 against each transfer to cover processing expenses we incur in administering transfers. If made, the charge would be allocated among the Fixed Account and each investment division of the Separate Account from which amounts are transferred in the same proportion that the amounts transferred from the Fixed Account and the amounts transferred from each investment division bear to the total amount transferred, when the requested transfer is effected. For example, if a request is received for a transfer of $100, Cash Value in the amount of $100 would be deducted from the particular investment division(s), with $100 being transferred to the requested new investment division(s). The $25 would be deducted based on the Cash Value in each investment division from which amounts are transferred at the time of the transfer.

Monthly Deduction From Cash Value

The Monthly Deduction from Cash Value includes the cost of term insurance charge, the charge for optional insurance benefits added by rider (see "Optional Benefits") and monthly Policy charges. The cost of term insurance charge and the monthly Policy charges are discussed separately in the paragraphs that follow. The Monthly Deduction will also include a charge for requested increases in the death benefit for the month in which the increase occurs, as discussed more fully under "Policy Benefits — Increases."

The Monthly Deduction will be deducted as of each monthly anniversary commencing with the Date of Policy. It will be allocated among the Fixed Account and each investment division on the Separate Account on a pro rata basis. See "Payment and Allocation of Premiums — Issuance of a Policy" regarding when insurance coverage starts under a newly issued Policy.

**Cost of Term Insurance.** Because the cost of term insurance depends upon a number of variables, it can vary from month to month. Metropolitan Life will determine the monthly cost of term insurance charge by multiplying the applicable cost of term insurance rate or rates by the term insurance amount for each Policy month. The term insurance amount for a Policy month is (a) the death benefit at the beginning of the Policy month divided by 1.0032737 (a discount factor to account for return deemed to be earned during the month), less (b) the Cash Value at the beginning of the Policy month.

The term insurance amount may be affected by changes in the Cash Value or in the specified face amount of the Policy and will be greater for Policy Owners who have selected Death Benefit Option B than for those who have selected Death Benefit Option A (see "Policy Benefits — Death Benefits"), assuming the same specified face amount in each case and assuming that the minimum death benefit is not in effect. Since the death benefit under

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Option A remains constant while the death benefit under Option B varies with the cash value, Cash Value increases will generally reduce the term insurance amount under Option A but not under Option B. If the term insurance amount is greater, the cost of insurance will be greater. If the minimum death benefit is in effect (see "Death Benefit Options — Minimum Death Benefit"), then the cost of term insurance will vary directly with the Cash Value under both death benefit options.

If more than one rate class is in effect under a Policy (see "Rate Class") the cost of term insurance will decrease if a Policy Owner converts from Option A to Option B and will increase if a Policy Owner converts from Option B to Option A.

**Cost of Term Insurance Rate.** Cost of term insurance rates are based on the sex (except in Montana and Massachusetts, in the case of group conversions which require unisex rates and in the case of Policies sold in connection with executive bonus and split dollar deferred compensation plans), Age and rate class of the Insured. The actual monthly cost of term insurance rates will be based on Metropolitan Life's expectations as to future experience. They will not, however, be greater than the guaranteed cost of term insurance rates set forth in the Policy. These guaranteed rates are based on certain of the 1980 Commissioners Standard Ordinary Mortality Tables and the Insured's sex and Age. The Tables used for this purpose set forth different mortality estimates for males and females. Any change in the cost of term insurance rates will apply to all persons of the same insuring Age, sex, and rate class whose Policies have been in force for the same length of time.

Metropolitan Life reviews its cost of term insurance rates periodically and may adjust the rates from time to time.

**Rate Class.** The rate class of an Insured affects the cost of term insurance rate. Metropolitan Life currently places insureds into a standard rate class or rate classes involving a higher or lower mortality risk. For ages 18 and over, each such rate class is further divided into a smoker rate class and a nonsmoker rate class. In an otherwise identical Policy, insureds in the standard rate class will have a lower cost of term insurance than those in the rate class with the higher mortality risk, and a higher cost of term insurance than those in the rate class with the lower mortality risk. Also, those insureds in the nonsmoker rate class will have a lower cost of term insurance than those in the smoker rate class.

If a Policy Owner requests a specified face amount increase at a time when the Insured is in a less favorable rate class than previously, a correspondingly higher cost of insurance rate will apply to that portion of the term insurance amount attributable to the increase. On the other hand, if the Insured's rate class improves, the lower cost of insurance rate will apply to the entire term insurance amount.

The current maximum amount that we may charge for the cost of insurance is $37.62 per $1,000 of term insurance amount and the minimum that we may charge for the cost of insurance is $0.02 per $1,000 of term insurance amount.

**Monthly Policy Charges.** During the first Policy year, there was a Base Administration Charge as described below plus a monthly charge equal to $25 per thousand dollars of specified face amount of the Policy. The Base Administration Charge was equal to $5 per month at ages less than eighteen, $15 per month at ages eighteen to forty-nine, and $20 per month at ages fifty and above. After the first Policy year, the monthly administration charge is $5 per month for Policies with a specified face amount of $250,000 or more, $7 per month for Policies with a specified face amount of $100,000 to $249,999, and $9 per month for Policies with a specified face amount of less than $100,000. The monthly administration charge will be determined by the specified face amount of the Policy at the time the Monthly Deduction is made. Thus, any change in the specified face amount of a Policy may result in a change in the monthly administration charge.

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These charges will be used to compensate Metropolitan Life for expenses incurred in the administration of the Policy as a multifunded policy. The first year charge will also compensate Metropolitan Life for first year underwriting and other start-up expenses incurred in connection with the Policy. These expenses include the cost of processing applications, conducting medical examinations, determining insurability and the Insured's risk class, and establishing Policy records. Metropolitan Life does not expect to derive a profit from these charges. If a Policy is surrendered in the first Policy year, the remaining Base Administration Charge for each of the full Policy months remaining in the first Policy year will be deducted from the Cash Value of the Policy in addition to any applicable surrender charge (see "Surrender Charge").

**Charges for Additional Benefits.** We charge monthly for the cost of any optional benefits added by rider (other than for the Acceleration of Death Benefit) as described in the rider form.

**Disability Waiver Benefit:** The current charge is $0.01 to $0.38 per $1,000 of term insurance amount for the insured; $0.02 per $1,000 of child face amount and $0.01 to $0.38 per $1,000 of spousal face amount.

**Accidental Death Benefit.** We impose a monthly charge for the benefit. The current charge is $0.04 to $0.07 per $1,000 of accidental death benefit face amount.

**Children's Term Insurance Benefit:** We impose a monthly charge for the benefit. The current charge is $0.35 per $1,000 of child's term insurance amount.

**Spouse Term Insurance Benefit:** We impose a monthly charge for the benefit. The current charge is $0.08 to $3.05 per $1,000 of spouse's term insurance amount.

Charges Against the Separate Account

**Charge for Mortality and Expense Risks.** A daily charge is made against the Separate Account for mortality and expense risks assumed by Metropolitan Life. The amount of the charge is equivalent to an effective annual rate of 0.90% of the average daily value of the assets in the Separate Account which are attributable to the Policies.

The mortality risk assumed is that insureds may live for a shorter period of time than estimated (i.e., the period of time based on the appropriate 1980 Commissioners Standard Ordinary Mortality Table) and, thus, a greater amount of death benefits than expected will be payable. The expense risk assumed is that expenses incurred in issuing and administering the Policies will be greater than estimated. Metropolitan Life will realize a gain if the charges prove ultimately to be more than sufficient to cover its actual costs of such mortality and expense commitments. If the charges are not sufficient, the loss will fall on Metropolitan Life. If its estimates of future mortality and expense experience are accurate, Metropolitan Life anticipates that it will realize a profit from the mortality and expense risk charge; however, if such estimates are inaccurate, Metropolitan Life could incur a loss.

**Charge for Income Taxes.** Currently, no charge is made against the Separate Account for income taxes. However, Metropolitan Life may decide to make such a charge in the future (see "Federal Tax Matters").

Surrender Charge

A sales charge will be deducted in the form of a surrender charge from the Cash Value if the Policy is surrendered or terminated after a grace period during the first fifteen Policy years to compensate us for costs associated with issuing the Policies. A surrender charge will also be deducted upon surrender or termination of a Policy during the first fifteen Policy years after an increase in the specified face amount of a Policy. In each case, the amount of the surrender charge is based on a charge per thousand dollars of specified face amount which varies with the Age of

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the Insured at the time of the issue of the Policy or of the increase in the specified face amount and the death benefit option chosen at the time of issue or increase by the Policy Owner. The surrender charges per thousand dollars of specified face amount are as follows:

Option A:

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Age at Issue**<br> **or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** |
| **Age at Issue**<br> **or Increase** | **1** | **2** | **3** | **4** | **5** | **6** | **7** | **8** | **9** | **10** | **11** | **12** | **13** | **14** | **15** |
| 0-5 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 |
| 6-10 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 11-20 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 21-25 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 26-30 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 31-35 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 36-40 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 41-44 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 |
| 45-50 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 10 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp; 4 | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 |
| 51-54 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp; 5 | &nbsp;&nbsp; 4 | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 1 |
| 55-59 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp; 6 | &nbsp;&nbsp; 5 | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 2 |
| 60-69 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 21 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp; 7 | &nbsp;&nbsp; 6 | &nbsp;&nbsp; 4 | &nbsp;&nbsp; 2 |
| 70-79 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 21 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp; 8 | &nbsp;&nbsp; 6 | &nbsp;&nbsp; 4 | &nbsp;&nbsp; 2 |
| 80 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 21 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 10 | &nbsp;&nbsp; 9 | &nbsp;&nbsp; 8 | &nbsp;&nbsp; 6 | &nbsp;&nbsp; 3 |

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Option B:

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Age at Issue**<br> **or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** | **Policy Years Since Issue or Increase** |
| **Age at Issue**<br> **or Increase** | **1** | **2** | **3** | **4** | **5** | **6** | **7** | **8** | **9** | **10** | **11** | **12** | **13** | **14** | **15** |
| 0-5 | &nbsp;&nbsp; $4 | &nbsp;&nbsp; $4 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $3 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $2 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 | &nbsp;&nbsp; $1 |
| 6-10 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 11-20 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 21-25 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 26-30 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp;&nbsp; 1 | &nbsp;&nbsp; 1 |
| 31-35 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 10 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp;&nbsp; 2 | &nbsp;&nbsp; 1 |
| 36-40 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp;&nbsp; 3 | &nbsp;&nbsp; 1 |
| 41-44 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 19 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 9 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp; 2 |
| 45-50 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 21 | &nbsp;&nbsp; 19 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp;&nbsp; 4 | &nbsp;&nbsp; 2 |
| 51-54 | &nbsp;&nbsp; 27 | &nbsp;&nbsp; 27 | &nbsp;&nbsp; 26 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 23 | &nbsp;&nbsp; 21 | &nbsp;&nbsp; 19 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp; 3 |
| 55-59 | &nbsp;&nbsp; 30 | &nbsp;&nbsp; 29 | &nbsp;&nbsp; 27 | &nbsp;&nbsp; 25 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 12 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 5 | &nbsp;&nbsp; 3 |
| 60-69 | &nbsp;&nbsp; 32 | &nbsp;&nbsp; 30 | &nbsp;&nbsp; 29 | &nbsp;&nbsp; 27 | &nbsp;&nbsp; 25 | &nbsp;&nbsp; 23 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 15 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 11 | &nbsp;&nbsp;&nbsp; 8 | &nbsp;&nbsp;&nbsp; 6 | &nbsp;&nbsp; 3 |
| 70-79 | &nbsp;&nbsp; 36 | &nbsp;&nbsp; 34 | &nbsp;&nbsp; 33 | &nbsp;&nbsp; 31 | &nbsp;&nbsp; 29 | &nbsp;&nbsp; 27 | &nbsp;&nbsp; 25 | &nbsp;&nbsp; 23 | &nbsp;&nbsp; 20 | &nbsp;&nbsp; 18 | &nbsp;&nbsp; 16 | &nbsp;&nbsp; 13 | &nbsp;&nbsp; 10 | &nbsp;&nbsp;&nbsp; 7 | &nbsp;&nbsp; 4 |
| 80 | &nbsp;&nbsp; 40 | &nbsp;&nbsp; 38 | &nbsp;&nbsp; 36 | &nbsp;&nbsp; 34 | &nbsp;&nbsp; 32 | &nbsp;&nbsp; 30 | &nbsp;&nbsp; 28 | &nbsp;&nbsp; 26 | &nbsp;&nbsp; 24 | &nbsp;&nbsp; 22 | &nbsp;&nbsp; 19 | &nbsp;&nbsp; 17 | &nbsp;&nbsp; 14 | &nbsp;&nbsp; 11 | &nbsp;&nbsp; 6 |

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A total surrender charge at surrender or termination of a Policy will equal the sum of any surrender charge based on the specified face amount at issue and any surrender charges based on any increases in the specified face amount. Thus, a surrender charge may apply to a surrender made more than fifteen years after issue of a Policy where a specified face amount increase has occurred within fifteen years prior to the surrender. No surrender charge applies to any increase in the specified face amount resulting from a change in the death benefit option. Also, surrender charges are not reduced by a decrease in the specified face amount. No surrender charges are

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assessed against partial withdrawals or loans, but the amount of the applicable surrender charge indicated above which would be deducted (disregarding the effect of the excess sales charge limits discussed below) if the Policy were surrendered reduces the amount of Cash Value which may be withdrawn or borrowed.

For example, if a Policy Owner who is 25 years old purchases a Policy with a specified face amount of $100,000 and chooses death benefit Option A, the surrender charge in year five, assuming no increases in the specified face amount, would be $300 ($3 x 100). If the Policy Owner increases the specified face amount by $50,000 in year 10 (when the Policy Owner is 35 years old), the surrender charge in year 15 would be $350, consisting of $100 ($1 x 100) relating to the specified face amount at issue, and $250 ($5 x 50) relating to the increase in the specified face amount. In year 20, the surrender charge would be $150, consisting of 0 relating to the specified face amount at issue (since the surrender takes place more than 15 years after the original issuance of the Policy), and $150 ($3 x 50) relating to the increase in the specified face amount.

During the first Policy year, in addition to the applicable surrender charge, the remaining monthly Base Administration Charges will also be imposed upon surrender of a Policy (see "Charges and Deductions — Monthly Policy Charges").

**Excess Sales Charge.** With respect to the surrender or termination of a Policy during the first two Policy years after issue or after an increase in the specified face amount, the applicable surrender charge, together with all sales charges previously deducted from premium payments, may not exceed the sum of (i) 30% of premium payments in aggregate amount less than or equal to one Guideline Annual Premium, plus (ii) 10% of premium payments in aggregate amount greater than one Guideline Annual Premium but not more than two Guideline Annual Premiums, plus (iii) 9% of each premium payment in excess of two Guideline Annual Premiums. The Cash Surrender Value of an in force Policy is not affected by these limits.

Guarantee of Certain Charges

Metropolitan Life guarantees, and may not increase, the charges deducted from premiums, the monthly administration charge, the surrender charge and the charge against the Separate Account for mortality and expense risks with respect to the Policies.

Other Charges

**Portfolio Charges.** Charges are deducted from and expenses paid out of the assets of the Portfolios that are described in the prospectuses for those Portfolios. Each Portfolio pays an investment management fee to its investment manager. Each Portfolio also incurs other direct expenses. You bear indirectly your proportionate share of the fees and expenses of the Portfolios that correspond to the Separate Account investment divisions you are using.

**POLICY RIGHTS**

The description of rights under the Policy set forth below assumes that no riders are in effect.

Loan Privileges

**Policy Loan.** At any time, the Policy Owner may borrow money from Metropolitan Life using the Policy as the only security for the loan. The smallest amount the Policy Owner can borrow at any one time is $250. The maximum amount that may be borrowed at any time is the Loan Value. The Loan Value equals the Cash Surrender Value less

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two Monthly Deductions or, if greater, 75% (90% for Policies issued in Virginia or Maryland) of the Cash Surrender Value (or, in Texas, the Policy's Cash Surrender Value less the Monthly Deductions to the end of the Policy year, if greater). For situations where a Policy loan may be treated as a taxable distribution, see "Federal Tax Matters."

**Allocation of Policy Loan.** Metropolitan Life will allocate a Policy loan among the Fixed Account and the investment divisions of the Separate Account on a pro rata basis.

**Interest.** The interest charged on a Policy loan accrues daily. The interest rate is currently 8% per year. Interest payments are due at the end of each Policy year. If unpaid within 31 days after it is due, interest will be treated as a new loan subject to the interest rates applicable at that time and an amount equal to such interest due will be transferred from the Fixed Account and the investment divisions of the Separate Account on a pro rata basis to the Policy Loan Account.

**Effect of a Policy Loan.** As of the Date of Receipt of the loan request, Cash Value equal to the portion of the Policy loan allocated to the Fixed Account and to each investment division will be transferred from the Fixed Account and/or such investment divisions to a Policy Loan Account within the General Account, reducing the Policy's Cash Value in the accounts from which the transfer was made.

Cash Value in the Policy Loan Account equal to Indebtedness will be credited with interest at a rate equal to the fixed rate charged less a percentage charge, based on expenses associated with Policy loans, determined by Metropolitan Life. Presently, this charge is 2%. Thus, the interest rate presently credited is 6%. The minimum rate credited to the Policy Loan Account will be 4% per year. NO ADDITIONAL INTEREST WILL BE CREDITED TO THE CASH VALUE IN THE POLICY LOAN ACCOUNT, NOR WILL THE CASH VALUE IN THE POLICY LOAN ACCOUNT PARTICIPATE IN ANY INVESTMENT EXPERIENCE APPLICABLE TO THE SEPARATE ACCOUNT.

The Policy's Cash Value in the Policy Loan Account will be the outstanding Indebtedness on the Valuation Date plus any interest credited to the Policy Loan Account which has not yet been allocated to the Fixed Account or the investment divisions of the Separate Account as of the Valuation Date. Interest credited to amounts in the Policy Loan Account will be allocated at least once a year among the Fixed Account and the investment divisions of the Separate Account in the same proportion as the net premiums are then being allocated.

Indebtedness**.** Indebtedness equals the outstanding Policy loan plus accrued interest thereon. If, on a monthly anniversary, Indebtedness exceeds the Cash Value minus the Monthly Deduction, Metropolitan Life will notify the Policy Owner and any assignee of record. If a sufficient payment is not made to Metropolitan Life within 61 days from the monthly anniversary, the Policy will terminate without value. The Policy may, however, later be reinstated, subject to certain conditions (see "Policy Termination and Reinstatement").

**Repayment of** Indebtedness**.** Indebtedness may be repaid any time before the Final Date while the Insured is living. The minimum repayment is $50. If not repaid, Metropolitan Life will deduct Indebtedness from any amount payable under the Policy. As of the Date of Receipt of the repayment, the Policy's Cash Value in the Policy Loan Account securing Indebtedness will be allocated among the Fixed Account and the investment divisions of the Separate Account in the same proportion that net premiums are being allocated to those accounts at the time of repayment. The Policy Owner must designate whether a payment is intended as a loan repayment or a premium payment. Any payment for which no designation is made will be treated as a premium payment.

Surrender and Withdrawal Privileges

Subject to the limitations set forth below, at any time before the earlier of the death of the Insured and the Final Date, the Policy Owner may make a partial withdrawal or totally surrender the Policy by sending a written request

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to our Designated Office. The maximum amount available for surrenders or withdrawal is the Cash Surrender Value on the Date of Receipt of the request. No charge will be imposed on partial withdrawals. See "Charges and Deductions — Surrender Charge" for a discussion of surrender charges. For any tax consequences in connection with a partial withdrawal or surrender, see "Federal Tax Matters".

**Surrenders.** The Policy Owner may surrender the Policy for its Cash Surrender Value. If the Policy is being surrendered, Metropolitan Life may require that the Policy itself be returned along with the request. A Policy Owner may elect to have the proceeds paid in a single sum or applied under an optional income plan. If the Insured dies after the surrender of the Policy and payment to the Policy Owner of the Cash Surrender Value but before the end of the Policy month in which the surrender occurred, a death benefit will be payable to the Beneficiary in an amount equal to the difference between the Policy's death benefit and cash value, both computed as of the surrender date.

**Partial Withdrawals.** The Policy Owner may make a partial withdrawal from the Policy's Cash Surrender Value. The minimum partial withdrawal is $250. There is no charge for a partial withdrawal. The amount withdrawn will be deducted from the Policy's Cash Value as of the Date of Receipt. The amount will be deducted from the Fixed Account and the investment divisions of the Separate Account on a pro rata basis.

When death benefit Option A is in effect, any partial withdrawal will reduce the specified face amount, and thus the death benefit, by the amount withdrawn. When death benefit Option B is in effect, the amount withdrawn will not reduce the specified face amount. However, the death benefit will be reduced by the amount withdrawn. If increases in the specified face amount previously have occurred, a partial withdrawal when Death Benefit Option A is in effect will reduce the specified face amount in the same manner as would a direct request by the Policy Owner to reduce the specified face amount (see "Policy Benefits — Decreases").

A Policy Owner will not be permitted to make any partial withdrawal that would reduce the specified face amount of the Policy below the Minimum Initial Specified Face Amount in the first five Policy years or one-half the Minimum Initial Specified Face Amount thereafter (see "Policy Benefits — Decreases"), or that would result in total premiums paid exceeding the then current maximum premium limitation determined by Internal Revenue Code rules (see "Premiums — Premium Limitations"). A partial withdrawal will also not be permitted unless the resulting Cash Surrender Value would be sufficient to pay at least two Monthly Deductions. Any time a request for a partial withdrawal is received that would reduce the specified face amount below the minimum face amount, result in total premiums paid exceeding maximum premium limitations, or reduce the Cash Surrender Value below two Monthly Deductions, Metropolitan Life will not implement the partial withdrawal request, but will contact the Policy Owner as to whether the request should be withdrawn or reduced to a smaller amount or changed to a request for the full Cash Surrender Value.

**THE FIXED ACCOUNT**

A Policy Owner may allocate net premiums and transfer Cash Value to the Fixed Account, which is part of the General Account of Metropolitan Life. Because of exemptive and exclusionary provisions, interests in the Fixed Account have not been registered under the Securities Act of 1933 (the "1933 Act") and neither the Fixed Account nor the General Account has been registered as an investment company under the 1940 Act. Accordingly, neither the General Account, the Fixed Account nor any interests therein are generally subject to the provisions or restrictions of these Acts. Disclosures regarding the Fixed Account may, however, be subject to certain generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses.

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General Description

Our General Account includes all of our assets except assets in the Separate Account or in our other separate accounts. We decide how to invest our General Account assets. Investments in the Policy are subject to the risks related to Metropolitan Life with respect to any death benefit or other guarantees (including Fixed Account guarantees) that Metropolitan Life makes available under the Policy. Fixed Account allocations do not share in the actual investment experience of the General Account. Instead, we guarantee that the Fixed Account will credit interest at an annual effective rate of at least 4%. We may or may not credit interest at a higher rate. We declare the current interest rate for the Fixed Account periodically. The Fixed Account earns interest daily. All obligations, guarantees (including under the Fixed Account), and benefits of the Policy are subject to the claims paying ability of Metropolitan Life. If Metropolitan Life experiences financial distress, it may not be able to meet its obligations to you.

Fixed Account Benefits

The Policy Owner may select either death benefit Option A or B under the Policy and may change such option or the Policy's specified face amount, subject to satisfactory evidence of insurability where required and subject to all the conditions and limitations applicable to such transactions generally (see "Policy Benefits — Standard Death Benefits").

Fixed Account Cash Value

Net premiums allocated to the Fixed Account are credited to the Policy. Metropolitan Life guarantees that interest credited to each Policy Owner's Cash Value in the Fixed Account will not be less than an effective annual rate of at least 4% per year. This is the rate credited to the first $1,000 of Cash Value in the Fixed Account. Metropolitan Life may declare any rate of interest in excess of 4% at any time to be credited to amounts of Cash Value in the Fixed Account in excess of $1,000, subject to the following conditions: Metropolitan Life will not change the rate of excess interest on any premiums paid during any month of the year before the first day of the same month of the subsequent year; thereafter, Metropolitan Life will not change the rate of excess interest for a period of twelve months from the date declared. Metropolitan Life may also establish multiple bands of excess interest. This means that different rates of excess interest may apply to premium payments made in different months of the year and at the end of each twelve-month period, and different rates of excess interest may apply to Cash Value related to premiums received in a given month of each prior year. Transfers made into the Fixed Account will be treated as new premium payments for these purposes.

The guaranteed and excess interest are credited each Valuation Date. Once credited, that interest will be guaranteed and become part of the Policy's Cash Value in the Fixed Account. The Monthly Deduction will be charged against the most recent premiums paid and interest credited thereto.

ANY INTEREST METROPOLITAN LIFE CREDITS ON THE POLICY'S CASH VALUE IN THE FIXED ACCOUNT IN EXCESS OF THE GUARANTEED RATE OF 4% PER YEAR WILL BE DETERMINED IN THE SOLE DISCRETION OF METROPOLITAN LIFE. THE POLICY OWNER ASSUMES THE RISK THAT INTEREST CREDITED TO AMOUNTS OF CASH VALUE IN THE FIXED ACCOUNT IN EXCESS OF $1,000 MAY NOT EXCEED THE GUARANTEED MINIMUM RATE OF 4% PER YEAR. The Cash Value in the Fixed Account will be calculated on each Valuation Date.

The Policy's Cash Value in the Fixed Account will reflect the amount and frequency of premium payments allocated to the Fixed Account, the amount of interest credited to amounts in the Fixed Account, any partial withdrawals,

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any transfers from or to the investment divisions of the Separate Account, any Policy Indebtedness and any charges imposed on amounts in the Fixed Account in connection with the Policy.

The portion of the Monthly Deduction attributable to the Fixed Account will be determined as of the actual monthly anniversary, even if the monthly anniversary does not fall on a Valuation Date.

Transfers, Withdrawals, Surrenders, and Policy Loans

Amounts in the Fixed Account are subject to the same rights and limitations as are amounts allocated to the investment divisions of the Separate Account with respect to transfers, withdrawals, surrenders and Policy loans (see "Allocation of Premiums and Cash Value — Cash Value Transfers" and "Loan Privileges," "Surrender and Withdrawal Privileges").

Metropolitan Life reserves the right to delay transfers, withdrawals, surrenders and the payment of the Policy loans allocated to the Fixed Account for up to six months (see "Other Policy Provisions — Payment and Deferment" above). Payments to pay premiums on another policy with Metropolitan Life will not be delayed.

Other Policy Provisions

**Policy Owner.** The owner of a Policy is the Insured unless another owner has been named in the application for the Policy. The Policy Owner is entitled to exercise all rights under a Policy while the Insured is alive, including the right to name a new owner or a contingent owner who would become the Policy Owner if the owner should die before the Insured dies.

**Beneficiary.** The Beneficiary is the person or persons to whom the insurance proceeds are payable upon the Insured's death. The Policy Owner may name a contingent Beneficiary to become the Beneficiary if all the Beneficiaries die while the Insured is alive. If no Beneficiary or contingent Beneficiary is alive when the Insured dies, the Policy Owner (or the Policy Owner's estate) will be the Beneficiary. While the Insured is alive, the Policy Owner may change any Beneficiary or contingent Beneficiary.

If more than one Beneficiary is alive when the Insured dies, they will be paid in equal shares, unless the Policy Owner has chosen otherwise.

**Incontestability.** Metropolitan Life will not contest the validity of a Policy after it has been in force during the Insured's lifetime for two years from the Date of Policy (or date of reinstatement if a terminated Policy is reinstated). Metropolitan Life will not contest the validity of any increase in the death benefit after such increase has been in force during the Insured's lifetime for two years from its effective date.

**Suicide.** The insurance proceeds will not be paid if the Insured commits suicide, while sane or insane, within two years (one year in Colorado, Minnesota and North Dakota) from the Date of Policy. Instead, Metropolitan Life will pay the Beneficiary an amount equal to all premiums paid for the Policy, without interest, less any outstanding Policy loan and accrued loan interest and less any partial cash withdrawal. If the Insured commits suicide, while sane or insane, more than two years after the Date of Policy but within two years (one year in Colorado, Minnesota and North Dakota) from the effective date of any increase in the death benefit, Metropolitan Life's liability with respect to such increase will be limited to the cost thereof.

**Age and Sex.** If the Insured's age or sex as stated in the application for a Policy is not correct, benefits under a Policy will be adjusted to reflect the correct Age and sex.

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**Collateral Assignment.** The Policy Owner may assign a Policy as collateral. All rights under the Policy will be transferred to the extent of the assignee's interest. Metropolitan Life is not bound by an assignment or release thereof, unless it is in writing and is recorded at our Designated Office. Metropolitan Life is not responsible for the validity of any assignment or release thereof.

**Payment and Deferment.** With respect to amounts in the investment divisions of the Separate Account, payment of the death benefit, all or a portion of the Cash Surrender Value, free look proceeds or a loan will ordinarily be made within seven days after the Date of Receipt of all documents required for such payment. Metropolitan Life will pay interest on the amount of death benefit at a rate which is currently 0.0% per year (or such higher rate as may be required by state law) from the date of death until the date of payment of the death benefit.

However, Metropolitan Life may defer the determination, application or payment of any such amount or any transfer of Cash Value for any period during which the New York Stock Exchange is closed or if trading on the New York Stock Exchange is restricted as determined by the Securities and Exchange Commission (other than customary weekend and holiday closings), for any period during which any emergency exists as a result of which it is not reasonably practicable for Metropolitan Life to determine the investment experience for a Policy or for such other periods as the Securities and Exchange Commission may by order permit for the protection of Policy Owners. Metropolitan Life will not defer a loan used to pay premiums on other policies issued by it.

We may also suspend or postpone payment for a withdrawal when we have a reasonable belief that the payment being requested is connected to financial exploitation of a Specified Adult. A Specified Adult is a person who is age 65 or older or a person aged 18 or older who has a mental or physical impairment that renders the individual unable to protect his or her own interests. If we reasonably suspect financial exploitation of a Specified Adult, we will place a temporary hold on the payment, transfer the amount of the payment to the Fixed Account and provide notification to you, the Trusted Contact Person(s) on file and any other party authorized to make transactions under the Policy that a hold has been placed on the payment(s) pending further investigation. A Trusted Contact Person is the person or persons designated by you as a person we may contact should we not be able to contact you or if you are a Specified Adult and we reasonably believe or suspect that you have or are being financially exploited. The Trusted Contact Person may be changed by you by contacting our Designated Office. We may hold the payment for up to 15 business days (or longer under certain conditions) after the temporary hold was placed while we conduct further investigation, unless the period is extended by a regulator or court order.

As with traditional life insurance, Metropolitan Life can delay payment of the entire insurance proceeds or other Policy benefits if entitlement to payment is being questioned or is uncertain.

**Dividends.** The Policies are nonparticipating. This means that they are not eligible for dividends, and they do not participate in any distribution of Metropolitan Life's surplus.

The description throughout this Prospectus of the features of the Policies is subject to the specific terms of the Policies.

**TAX CONSIDERATIONS**

Introduction

The following is a brief summary of some tax rules and includes information about different types of benefits, not all of which may be available under the Policy. Such discussion does not purport to be complete or to cover all tax situations. The summary does not address state, local or foreign tax issues related to the Policy. This discussion is

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not intended as tax advice. Counsel or other competent tax advisers should be consulted for more complete information. This discussion is based upon our understanding of the present Federal income tax laws. No representation is made as to the likelihood of continuation of the present Federal income tax laws or as to how they may be interpreted by the Internal Revenue Service. It should be further understood that the following discussion is not exhaustive and that special rules not described herein may be applicable in certain situations.

Tax Status of the Policy

In order to qualify as a life insurance contract for Federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under Federal tax law, a Policy must satisfy certain requirements which are set forth in the Internal Revenue Code. Guidance as to how these requirements are to be applied is limited. Nevertheless, we anticipate that the Policy should be deemed to be a life insurance contract under Federal tax law. However, if your Policy is issued on a substandard basis, there is additional uncertainty. Moreover, if you elect the Acceleration of Death Benefit Rider, the tax qualification consequences associated with continuing the Policy after a distribution is made under the rider are unclear. We may take appropriate steps to bring the Policy into compliance with applicable requirements, and we reserve the right to restrict Policy transactions in order to do so. The insurance proceeds payable on the death of the Insured will never be less than the minimum amount required for the Policy to be treated as life insurance under section 7702 of the Internal Revenue Code, as in effect on the date the Policy was issued.

In some circumstances, Policy Owners of variable contracts who retain excessive control over the investment of the underlying Separate Account assets may be treated as the Policy Owners of those assets. Although published guidance in this area does not address certain aspects of the Policies, we believe that the Policy Owner should not be treated as the Policy Owner of the Separate Account assets. We reserve the right to modify the Policies to bring them into conformity with applicable standards should such modification be necessary to prevent Policy Owners from being treated as the Policy Owners of the underlying Separate Account assets.

In addition, the Code requires that the investments of the Separate Account be "adequately diversified" in order for the Policies to be treated as life insurance contracts for Federal income tax purposes. It is intended that the Separate Account, through the Portfolios, will satisfy these diversification requirements. If Portfolio shares are sold directly to either non-qualified plans or to tax-qualified retirement plans that later lose their tax qualified status, there could be adverse consequences under the diversification rules.

The following discussion assumes that the Policy will qualify as a life insurance contract for Federal income tax purposes.

Tax Treatment of Policy Benefits

**In General.** The death benefit under a Policy should generally be excludible from the gross income of the Beneficiary for Federal income tax purposes.

In the case of employer-owned life insurance as defined in Section 101(j), the amount of the death benefit excludable from gross income is limited to Premiums paid unless the Policy falls within certain specified exceptions and a notice and consent requirement is satisfied before the Policy is issued. Certain specified exceptions are based on the status of an employee as highly compensated, a director, or recently employed. There are also exceptions for Policy proceeds paid to an employee's heirs. These exceptions only apply if proper notice is given to the Insured employee and consent is received from the Insured employee before the issuance of the Policy. These rules apply to Policies issued August 18, 2006 and later and also apply to policies issued before August 18,

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2006 if a material increase in the death benefit or other material change was made on or after August 18, 2006. An IRS reporting requirement applies to employer-owned life insurance subject to these rules. Because these rules are complex and will affect the tax treatment of death benefits, it is advisable to consult tax counsel.

The death benefit will also be taxable in the case of a transfer-for-value unless certain exceptions apply.

Federal, state and local estate, inheritance and other tax consequences of ownership, or receipt of Policy proceeds, depend on the circumstances of each Policy Owner or Beneficiary. A tax adviser should be consulted on these circumstances.

Generally, the Policy Owner will not be deemed to be in constructive receipt of the Policy Cash Value until there is a distribution or a deemed distribution. When distributions from a Policy occur, or when loans are taken from or secured by a Policy, the tax consequences depend on whether the Policy is classified as a modified endowment contract ("MEC").

**Modified Endowment Contracts.** Under the Internal Revenue Code, certain life insurance contracts are classified as modified endowment contracts, with less favorable income tax treatment than other life insurance contracts. Due to the Policy's flexibility with respect to Premium payments and benefits, each Policy's circumstances will determine whether the Policy is a modified endowment contract. In general a Policy will be classified as a modified endowment contract if the amount of Premiums paid into the Policy causes the Policy to fail the "7-pay test." A Policy will fail the 7-pay test if at any time in the first seven Policy years, or seven years after a material change, the amount paid into the Policy exceeds the sum of the level Premiums that would have been paid at that point under a Policy that provided for paid-up future benefits after the payment of seven level annual payments.

If there is a reduction in the benefits under the Policy during a 7-pay testing period, for example, as a result of a partial withdrawal, the 7-pay test will have to be reapplied as if the Policy had originally been issued at the reduced face amount. If there is a "material change" in the Policy's benefits or other terms, even after the first seven Policy years, the Policy may have to be retested as if it were a newly issued Policy. A material change can occur, for example, when there is an increase in the death benefit or the receipt of an unnecessary premium. Unnecessary Premiums are Premiums paid into the Policy which are not needed in order to provide a death benefit equal to the lowest death benefit that was payable in the most recent 7-pay testing period. To prevent your Policy from becoming a modified endowment contract, it may be necessary to limit premium payments or to limit reductions in benefits. A current or prospective Policy Owner should consult a tax adviser to determine whether a Policy transaction will cause the Policy to be classified as a modified endowment contract. The IRS has promulgated a procedure for the correction of inadvertent modified endowment contracts that may provide relief in limited circumstances.

**Distributions Other Than Death Benefits from Modified Endowment Contracts.** Policies classified as modified endowment contracts are subject to the following tax rules:

(1) All distributions other than death benefits, including distributions upon surrender and withdrawals, from a modified endowment contract will be treated first as distributions of gain taxable as ordinary income and as tax-free recovery of the Policy Owner's investment in the Policy only after all gain has been distributed.

(2) Loans taken from or secured by a Policy classified as a modified endowment contract are treated as distributions and taxed accordingly.

(3) A 10 percent additional income tax is imposed on the amount subject to tax except where the distribution or loan is made when the Policy Owner has Attained Age 59 <sup>1</sup>∕2 or is disabled, or where the distribution is part of a series of substantially equal periodic payments for the life (or life expectancy) of the Policy Owner or the joint

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lives (or joint life expectancies) of the Policy Owner and the Policy Owner's Beneficiary. The foregoing exceptions generally do not apply to a Policy Owner which is a non-natural person, such as a corporation.

If a Policy becomes a modified endowment contract, distributions will be taxed as distributions from a modified endowment contract. In addition, distributions from a Policy within two years before it becomes a modified endowment contract will be taxed in this manner. This means that a distribution made from a Policy that is not a modified endowment contract could later become taxable as a distribution from a modified endowment contract.

**Distributions Other Than Death Benefits from Policies that are not Modified Endowment Contracts.** Distributions other than death benefits from a Policy that is not classified as a modified endowment contract are generally treated first as a non-taxable recovery of the Policy Owner's investment in the Policy, and only after the recovery of all investment in the Policy as gain taxable as ordinary income. However, distributions during the first 15 Policy years accompanied by a reduction in Policy benefits, including distributions which must be made in order to enable the Policy to continue to qualify as a life insurance contract for Federal income tax purposes, are subject to different tax rules and may be treated in whole or in part as taxable income.

Loans from or secured by a Policy that is not a modified endowment contract are generally not treated as distributions.

Finally, neither distributions from nor loans from or secured by a Policy that is not a modified endowment contract are subject to the 10 percent additional income tax.

**Investment in the Policy.** Your investment in the Policy is generally your aggregate Premiums. When a distribution is taken from the Policy, your investment in the Policy is reduced by the amount of the distribution that is tax-free.

**Policy Loans.** In general, interest on a Policy loan will not be deductible. If a Policy loan is outstanding when a Policy is canceled or lapses, the amount of the outstanding Indebtedness will be added to the amount distributed and will be taxed accordingly. A loan may also be taxed when a Policy is exchanged. Before taking out a Policy loan, you should consult a tax adviser as to the tax consequences.

**Multiple Policies.** All modified endowment contracts that are issued by Metropolitan Life (or its affiliates) to the same Policy Owner during any calendar year are treated as one modified endowment contract for purposes of determining the amount includible in the Policy Owner's income when a taxable distribution occurs.

**Withholding.** To the extent that Policy distributions are taxable, they are generally subject to withholding for the recipient's Federal income tax liability. Recipients can generally elect, however, not to have tax withheld from distributions.

**Life Insurance Purchases by Residents of Puerto Rico.** The Internal Revenue Service has determined that income received by non-resident aliens and bona fide residents of Puerto Rico under life insurance contracts issued by a Puerto Rico branch of a United States life insurance company is U.S.-source income that is generally subject to federal income tax. Note, however, that the foregoing rule may not apply to certain contracts issued by Puerto Rican branches of U.S. life insurance companies before January 1, 2005, provided that such payments are made pursuant to binding life insurance contracts issued by such branches on or before July 12, 2004.

**Life Insurance Purchases by Nonresident Aliens and Foreign Corporations.** Policy Owners that are not U.S. citizens or residents will generally be subject to U.S. Federal withholding tax on taxable distributions from life insurance policies at a 30% rate, unless a lower treaty rate applies. In addition, Policy Owners may be subject to state and/or municipal taxes and taxes that may be imposed by the Policy Owner's country of citizenship or

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residence. Prospective purchasers are advised to consult with a qualified tax adviser regarding taxation with respect to a purchase of the Policy.

**Acceleration of Death Benefit Rider.** Payments received under the Acceleration of Death Benefit Rider should be excludable from the gross income of the Policy Owner except in certain business contexts. However, you should consult a qualified tax adviser about the consequences of adding this rider to a Policy or requesting payment under this rider.

**Overloan Protection Rider.** If you are contemplating the purchase of the Policy with the Overloan Protection Rider, you should be aware that the tax consequences of the Overloan Protection Rider have not been ruled on by the IRS or the courts. It is possible that the IRS could assert that the outstanding loan balance should be treated as a taxable distribution when the Overloan Protection Rider causes the Policy to be converted into a fixed Policy. You should consult a tax adviser as to the tax risks associated with the Overloan Protection Rider.

**Estate, Gift and Generation-Skipping Transfer Taxes.** The transfer of the Policy or the designation of a Beneficiary may have Federal, state, and/or local transfer and inheritance tax consequences, including the imposition of gift, estate, and generation-skipping transfer taxes. When the Insured dies, the death proceeds will generally be includable in the Policy Owner's estate for purposes of the Federal estate tax if the Policy Owner was the Insured, if the Insured possessed incidents of ownership in the Policy at the time of death, or if the Insured made a gift transfer of the Policy within three years of death. If the Policy Owner was not the Insured, the fair market value of the Policy would be included in the Policy Owner's estate upon the Policy Owner's death.

Moreover, under certain circumstances, the Internal Revenue Code may impose a "generation-skipping transfer tax" when all or part of a life insurance policy is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Policy Owner. Regulations issued under the Internal Revenue Code may require us to deduct the tax from your Policy, or from any applicable payment, and pay it directly to the IRS.

Qualified tax advisers should be consulted concerning the estate and gift tax consequences of Policy ownership and distributions under Federal, state and local law. The individual situation of each Policy Owner or Beneficiary will determine the extent, if any, to which Federal, state, and local transfer and inheritance taxes may be imposed and how ownership or receipt of Policy proceeds will be treated for purposes of Federal, state and local estate, inheritance, generation-skipping and other taxes.

In general, current rules provide for a $15 million federal estate, gift and generation-skipping transfer tax exemption for deaths occurring and gifts made after December 31, 2025 (as indexed for inflation) and a top tax rate of 40 percent.

The complexity of the tax law, along with uncertainty as to how it might be modified in coming years, underscores the importance of seeking guidance from a qualified adviser to help ensure that your estate plan adequately addresses your needs and those of your beneficiaries under all possible scenarios.

**Other Policy Owner Tax Matters.** The application of certain tax rules after the Insured's age 100 is not entirely clear. The tax consequences of continuing the Policy beyond the Insured's Attained Age 121 are also unclear. You should consult a tax adviser if you intend to keep the Policy in force beyond the Insured's Attained Age 121.

If a trustee under a pension or profit-sharing plan, or similar deferred compensation arrangement, owns a Policy, the Federal, state and estate tax consequences could differ. The amounts of life insurance that may be purchased on behalf of a participant in a pension or profit-sharing plan are limited. Providing excessive life insurance coverage in a retirement plan will have adverse tax consequences. The inclusion of riders, such as waiver of

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Premium riders, may also have adverse tax consequences. Therefore, it is important to discuss with your tax adviser the suitability of the Policy, including the suitability of coverage amounts and Policy riders, before any purchase by a retirement plan. Any proposed distribution or sale of a Policy by a retirement plan will also need to be discussed with a tax adviser. The current cost of insurance for the net amount at risk is treated as a "current fringe benefit" and must be included annually in the plan participant's gross income. If the plan participant dies while covered by the plan and the Policy proceeds are paid to the participant's Beneficiary, then the excess of the death benefit over the Cash Value is not income taxable. However, the Cash Value will generally be taxable to the extent it exceeds the participant's cost basis in the Policy. Policies owned under these types of plans may be subject to restrictions under the Employee Retirement Income Security Act of 1974 ("ERISA"). You should consult a qualified adviser regarding ERISA.

Department of Labor ("DOL") regulations impose requirements for participant loans under retirement plans covered by ERISA. Plan loans must also satisfy tax requirements to be treated as nontaxable. Plan loan requirements and provisions may differ from the Policy loan provisions. Failure of plan loans to comply with the requirements and provisions of the DOL regulations and of tax law may result in adverse tax consequences and/or adverse consequences under ERISA. Plan fiduciaries and participants should consult a qualified adviser before requesting a loan under a Policy held in connection with a retirement plan.

Businesses can use the Policies in various arrangements, including nonqualified deferred compensation or salary continuance plans, split dollar insurance plans, executive bonus plans, tax exempt and nonexempt welfare benefit plans, retiree medical benefit plans and others. The tax consequences of such plans may vary depending on the particular facts and circumstances. If you are contemplating a change to an existing Policy or purchasing the Policy for any arrangement the value of which depends in part on its tax consequences, you should consult a qualified tax adviser.

Ownership of the Policy by a corporation, trust or other non-natural person could jeopardize some (or all) of such entity's interest deduction under Internal Revenue Code Section 264, even where such entity's Indebtedness is in no way connected to the Policy. In addition, under Section 264(f)(5), if a business (other than a sole proprietorship) is directly or indirectly a Beneficiary of the Policy, the Policy could be treated as held by the business for purposes of the Section 264(f) entity-holder rules. Therefore, it would be advisable to consult with a qualified tax adviser before any non-natural person is made an owner or holder of the Policy, or before a business (other than a sole proprietorship) is made a Beneficiary of the Policy.

**Guidance on Split Dollar Plans.** The IRS has issued guidance on split dollar insurance plans. A tax adviser should be consulted with respect to this guidance if you have purchased or are considering the purchase of a Policy for a split dollar insurance plan. If your Policy is part of an equity split dollar arrangement taxed under the economic benefit regime, there is a risk that some portion of the Policy's Cash Value may be taxed prior to any Policy distribution. If your split dollar plan provides deferred compensation, specific tax rules governing deferred compensation arrangements may apply. Failure to adhere to these rules will result in adverse tax consequences.

In addition, the Sarbanes-Oxley Act of 2002 (the "Act"), which was signed into law on July 30, 2002, prohibits, with limited exceptions, publicly-traded companies, including non-U.S. companies that have securities listed on U.S. exchanges, from extending, directly or indirectly or through a subsidiary, many types of personal loans to their directors or executive officers. It is possible that this prohibition may be interpreted to apply to split-dollar life insurance arrangements for directors and executive officers of such companies, since such arrangements can arguably be viewed as involving a loan from the employer for at least some purposes.

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Any affected business contemplating the payment of a Premium on an existing Policy or the purchase of a new Policy in connection with a split-dollar life insurance arrangement should consult legal counsel.

**Possible Tax Law Changes.** Although the likelihood of legislative changes is uncertain, there is always the possibility that the tax treatment of the Policy could change by legislation or otherwise. These changes may take effect retroactively. We reserve the right to amend the Policy in any way necessary to avoid any adverse tax treatment. Consult a tax adviser with respect to legislative developments and their effect on the Policy.

We have the right to modify the Policy in response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment Policy Owners currently receive. We make no guarantee regarding the tax status of any Policy and do not intend the above discussion as tax advice.

**Transfer of Issued Life Insurance Policies to Third parties.** If you transfer the Policy to a third party, including a sale of the Policy to a life settlement company, such transfer for value may be taxable. The death benefit will also be taxable in the case of a transfer for value unless certain exceptions apply. We may be required to report certain information to the IRS, as required under IRC section 6050Y and applicable regulations. You should consult with a qualified tax advisor for further information prior to transferring the Policy.

Metropolitan Life's Income Taxes

Under current Federal income tax law, MetLife is not taxed on the Separate Account's operations. Thus, currently we do not deduct a charge from the Separate Account for Metropolitan Life's Federal income taxes. (We do deduct a charge for Federal taxes from Premiums.) We reserve the right to charge the Separate Account for any future Federal income taxes we may incur.

Under current laws in several states, we may incur state and local taxes (in addition to premium taxes). These taxes are not now significant and we are not currently charging for them. If they increase, we may deduct charges for such taxes.

**Tax Credits and Deductions.** Metropolitan Life may be entitled to certain tax benefits related to the assets of the Separate Account. These tax benefits, which may include foreign tax credits and corporate dividend received deductions, are not passed back to the Separate Account or to Policy Owners since Metropolitan Life is the owner of the assets from which the tax benefits are derived.

**SALE AND DISTRIBUTION OF THE POLICIES**

We have entered into a distribution agreement with our affiliate, MetLife Investors Distribution Company ("Distributor"), for the distribution of the Policies. The Distributor's principal executive offices are located at 200 Park Avenue, New York, New York 10166. The Distributor is registered with the SEC as a broker-dealer under the Securities Exchange Act of 1934 and is a member of the Financial Industry Regulatory Authority ("FINRA"). FINRA provides background information about broker-dealers and their registered representatives through FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at (800) 289-9999, or log on to www.finra.org. An investor brochure that includes information describing FINRA BrokerCheck is available through the Hotline or on-line.

Commissions and other incentives or payments described below are not charged directly to Policy Owners or the Separate Account. We intend to recoup commissions and other sales expenses through fees and charges deducted under the Policy.

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The Statement of Additional Information contains additional information about the compensation paid for the sale of the Policies.

The Policies are no longer offered for sale.

The Policies were sold through licensed life insurance sales representatives:

● That were formerly registered with the Distributor ("formerly affiliated sales representatives").

● Registered through other broker-dealers, including a wholly owned subsidiary.

Compensation to Formerly Affiliated Sales Representatives and their Managers

Maximum commissions paid to formerly affiliated sales representatives are:

● First Policy Year: The lesser of 60% of the Option A target premium; plus 0.3% of the excess of the premium paid over the Option A target premium; or $40 per $1,000 of face amount of insurance issued.

● Policy Years 2-4: 5% of premiums paid in the Policy year.

● Policy Years 5-10: A servicing fee of 2% of premiums paid in the Policy year.

● Policy Years 11 and later: A servicing fee of 1% of premiums paid in the Policy year.

Our formerly affiliated field managers of formerly affiliated sales representatives received payments for the sale of the Policy. Payments to the field managers varied and depended on many factors including the commissions paid to the formerly affiliated sales representative who sold the Policy, the commissions paid to other formerly affiliated sales representatives the field manager supervised and the amount of proprietary and non-proprietary products sold by the formerly affiliated sales representatives that the field managers supervised.

Cash and Non-Cash Compensation

Formerly affiliated sales representatives and their managers may have been eligible for cash compensation such as bonuses, equity awards (for example, stock options), training allowances, supplemental salary, payments based on a percentage of the Policy's cash value, financing arrangements, marketing support, medical and retirement benefits and other insurance and non-insurance benefits. The amount of this cash compensation was based primarily on the amount of proprietary products sold. Proprietary products are products issued by Metropolitan Life and its affiliates. Formerly affiliated sales representatives had to meet a minimum level of sales of proprietary products in order to maintain their employment or agent status with the Distributor and in order to be eligible for most of the cash compensation listed above. Formerly affiliated managers may have been eligible for additional cash compensation based on the performance (with emphasis on the sale of proprietary products) of the sales representatives that the manager supervised. For some of our affiliates, managers may have paid a portion of their compensation to their sales representatives.

Formerly affiliated sales representatives and their managers were also eligible for various non-cash compensation programs that the Distributor offered such as conferences, trips, prizes, and awards. Other payments may have been made for other services that did not directly involve the sale of products. These services may have included the recruitment and training of personnel, production of promotional literature, and similar services.

Receipt of the cash and non-cash compensation described above may have provided formerly affiliated sales representatives and their managers with an incentive to favor the sale of proprietary products over similar products issued by non-affiliates.

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Payments to Selling Firms

All selling firms receive commissions. The portion of the commission payments that selling firms pass on to their sales representatives is determined in accordance with their internal compensation programs. Those programs may also include other types of cash and non-cash compensation and other benefits. A selling firm or a sales representative of a selling firm may receive different compensation for selling one product over another and/or may be inclined to favor one product provider over another due to differing compensation rates. Ask your sales representative for further information about what your sales representative and the selling firm for which he or she works may receive in connection with your purchase of a Policy . The compensation paid to selling firms for the sale of the Policies is generally not expected to exceed, on a present value basis, the aggregate amount of total compensation that is paid with respect to the sales made through formerly affiliated sales representatives.

**LEGAL PROCEEDINGS**

In the ordinary course of business, MetLife, similar to other life insurance companies, is involved in lawsuits (including class action lawsuits), arbitrations and other legal proceedings. Also, from time to time, state and federal regulators or other officials conduct formal and informal examinations or undertake other actions dealing with various aspects of the financial services and insurance industries. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. It is not possible to predict with certainty the ultimate outcome of any pending legal proceeding or regulatory action. However, MetLife does not believe any such action or proceeding will have a material adverse effect upon the Separate Account or upon the ability of Metropolitan Life to perform its contract with the Separate Account or of MetLife to meet its obligations under the Policies.

**RESTRICTIONS ON FINANCIAL TRANSACTIONS**

Applicable laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a premium payment and/or block or "freeze" your Policy. If these laws apply in a particular situation, we would not be allowed to process any request for withdrawals, surrenders, loans or death benefits, make transfers, or continue making payments under your death benefit option until instructions are received from the appropriate regulator. We also may be required to provide additional information about you or your Policy to government regulators.

**FINANCIAL STATEMENTS**

The financial statements of the Separate Account and the financial statements of Metropolitan Life are located in the Statement of Additional Information. Metropolitan Life's financial statements should be considered only as bearing on our ability to meet our obligations under the Policies. They should not be considered as bearing on the investment performance of the assets held in the Separate Account.

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**APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY**

The following is a list of the Portfolios currently available under the Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000238. You can also request this information at no cost by calling (833) 642-1007 or by sending an email request to RCG@metlife.com. Updated performance information for the Portfolios is also available at www.metlife.com or by calling (833) 642-1007.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance <br>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds The Bond Fund of America\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term Bond Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.13% | 7.93% | 1.40% | 3.35% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF Portfolio - Class A <br> (formerly known as SSGA Growth and Income ETF <br> Portfolio - Class A)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.50% | 17.09% | 7.46% | 8.13% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately Aggressive ETF Portfolio - <br> Class A (formerly known as SSGA Growth ETF <br> Portfolio - Class A)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.53% | 19.53% | 9.28% | 9.58% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

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The fee and expense information regarding the Portfolios was provided by those Portfolios.

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**Investment Allocation Restrictions**

**Index Selector**<sup>SM</sup>: If You elect the Index Selector<sup>SM</sup> You are limited to allocating your premiums and Cash Value among the following funding options and the Fixed Account:

MetLife Aggregate Bond Index Portfolio <br>MetLife Stock Index Portfolio <br>MetLife MSCI EAFE <sup>®</sup> Index Portfolio <br>MetLife Russell 2000 <sup>®</sup> Index Portfolio <br>MetLife Mid Cap Stock Index Portfolio

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This Prospectus incorporates by reference all of the information contained in the Statement of Additional Information dated the same date as this Prospectus, and which is legally part of this Prospectus.

The Statement of Additional Information is available, without charge, upon request. The Statement of Additional Information includes additional information about the Policies and the Separate Account. To view and download the Statement of Additional Information, please visit our website dfinview.com/metlife/PUFT/MET000238. To request a free copy of the Statement of Additional Information or to ask questions, email RCG@metlife.com, call (833) 642-1007 or write to our Designated Office.

For investment division transfers and Premium reallocations, for current information about your Policy values, to change or update Policy information such as your billing address, billing mode, Beneficiary or ownership, for information about other Policy transactions, and to ask questions about your Policy, you may call us at (833) 642-1007.

Reports and other information about the Separate Account are available on the Commission's website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address:publicinfo@sec.gov.

Managing your variable life policy just got easier. We're excited to share our enhanced website with you. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your policy and sign-up for eDelivery!

EDGAR Contract Identifier: C000023054

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**UL II FLEXIBLE PREMIUM**

**MULTIFUNDED LIFE INSURANCE POLICIES**

**Metropolitan Life Separate Account UL**

**Issued by Metropolitan Life Insurance Company**

**STATEMENT OF ADDITIONAL INFORMATION**

**April 27, 2026**

This Statement of Additional Information is not a prospectus. This Statement of Additional Information relates to the Prospectus dated the same date for the UL II individual flexible premium variable life insurance policies (the "Policies") issued by Metropolitan Life Insurance Company and should be read in conjunction therewith. A copy of the Prospectus may be found online at dfinview.com/metlife/PUFT/MET000238, or by calling (833) 642-1007 or by writing to our Designated Office. Unless otherwise indicated, terms used in this Statement of Additional Information have the same meaning as they do in the Prospectus.

[The financial statements comprising each of the Divisions of the Separate Account and the financial statements of the Company](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[are hereby incorporated by reference from the submission form type N-VPFS, File No. 811-06025, filed by the Separate Account with](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[the SEC on April](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[13, 2026.](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)

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**Table of Contents** <br>

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| | |
|:---|:---|
|  | **<u>Page</u>** |
| GENERAL INFORMATION AND HISTORY | SAI-3  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company | SAI-3  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Separate Account | SAI-3  |
| NON-PRINCIPAL RISKS OF INVESTING IN THE POLICY | SAI-3  |
| DISTRIBUTION OF THE POLICIES | SAI-3  |
| ADDITIONAL INFORMATION ABOUT CHARGES | SAI-4  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Group or Sponsored Arrangements | SAI-4  |
| LIMITS TO METROPOLITAN LIFE'S RIGHT TO CHALLENGE THE POLICY | SAI-4  |
| MISSTATEMENT OF AGE OR SEX | SAI-5  |
| REPORTS | SAI-5  |
| PERSONALIZED ILLUSTRATIONS | SAI-5  |
| REGISTRATION STATEMENT | SAI-5  |
| INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM | SAI-6  |
| FINANCIAL STATEMENTS | SAI-6 |

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**GENERAL INFORMATION AND HISTORY**

**The Company**

Metropolitan Life Insurance Company ("Metropolitan Life", "we", "us", "our" or the "Company") is a provider of insurance, annuities, employee benefits and asset management. We are also one of the largest institutional investors in the United States with a general account portfolio invested primarily in fixed income securities (corporate, structured products, municipals, and government and agency) and mortgage loans, as well as real estate, real estate joint ventures, other limited partnerships and equity securities. Metropolitan Life Insurance Company was incorporated under the laws of New York in 1868. The Company's home office is located at 200 Park Avenue, New York, New York 10166-0188. The Company is a wholly-owned subsidiary of MetLife, Inc., which is a holding company.

**The Separate Account**

We established the Metropolitan Life Separate Account UL (the "Separate Account") as a separate investment account on December 13, 1988. The Separate Account is the funding vehicle for the Policies, and other variable life insurance policies that we issue. These other polices impose different costs, and provide different benefits, from the Policies. The Separate Account meets the definition of a "separate account" under Federal securities laws, and is registered with the U.S. Securities and Exchange Commission (the "SEC") as a unit investment trust under the Investment Company Act of 1940 (the "1940 Act"). Registration with the SEC does not involve SEC supervision of the Separate Account's management or investments. However, the New York Insurance Commissioner regulates MetLife and the Separate Account.

**NON-PRINCIPAL RISKS OF INVESTING IN THE POLICY**

*Payment of Proceeds:* We can delay transfers, withdrawals, surrender and payment of Policy loans from the Fixed Account for up to six months. Generally, we will pay or transfer amounts from the Separate Account within seven days after the Date of Receipt of all necessary documentation required for such payment or transfer. We can defer this if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The New York Stock Exchange has an unscheduled closing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● There is an emergency so that we could not reasonably determine the investment experience of a Policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The SEC determines that an emergency exists.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● The SEC by order permits us to do so for the protection of Policy Owners (provided that the delay is permitted under New York State insurance law and regulations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● With respect to the insurance proceeds, if entitlement to a payment is being questioned or is uncertain.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● We are paying amounts attributable to a check. In that case we can wait for a reasonable time (15 days or less) to let the check clear.

We may withhold payment of surrender or loan proceeds if those proceeds are coming from a Policy Owner's check, or from a premium transaction under our pre-authorized checking arrangement, which has not yet cleared. We may also delay payment while we consider whether to contest the Policy. We pay interest on the death benefit proceeds from the date of death to the date we pay them. Normally we promptly make payments of cash value, or of any loan value available, from cash value in the Fixed Account. However, we may delay those payments for up to six months. We pay interest in accordance with state insurance law requirements on delayed payments.

**DISTRIBUTION OF THE POLICIES**

Our affiliate, MetLife Investors Distribution Company, 200 Park Avenue, New York, NY 10166 ("Distributor"), serves as principal underwriter for the Policies. The Distributor is a Missouri corporation organized in 2000. The Distributor is registered as a broker-dealer with the U.S. Securities and Exchange Commission under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry Regulatory Authority. The Distributor may

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enter into selling agreements with other broker- dealers ("selling firms") and compensate them for their services. The Distributor passes through commissions it receives to selling firms for their sales and does not retain any portion of them in return for its services as distributor for the Policies.

The Policies are no longer offered for sale.

The Distributor received sales compensation with respect to the Policies in the following amounts in the periods indicated:

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| | | |
|:---|:---|:---|
| **Fiscal Year** | **Aggregate Amount of**<br> **Commissions Paid to**<br> **Distributor**<br>| **Aggregate Amount of**<br> **Commissions Retained**<br> **by Distributor After**<br> **Payments to**<br> **Selling Firms**<br>|
| 2025 | $585377 | $0 |
| 2024 | $594952 | $0 |
| 2023 | $603774 | $0 |

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**ADDITIONAL INFORMATION ABOUT CHARGES**

**Group or Sponsored Arrangements**

The Policies were issued to group or sponsored arrangements, as well as on an individual basis. A "group arrangement" includes a situation where a trustee, employer or similar entity purchases individual Policies covering a group of individuals. Examples of such arrangements are non-qualified deferred compensation plans. A "sponsored arrangement" includes a situation where an employer or an association permits group solicitation of its employees or members for the purchase of individual Policies.

We may waive, reduce or vary any Policy charges under Policies sold to a group or sponsored arrangement. We may also raise the interest rate credited to loaned amounts under these Policies. The amount of the variations and our eligibility rules may change from time to time. In general, they reflect cost savings over time that we anticipate for Policies sold to the eligible group or sponsored arrangements and relate to objective factors such as the size of the group, its stability, the purpose of the funding arrangement and characteristics of the group members. Consult your registered representative for any variations that may be available and appropriate for your case.

The United States Supreme Court has ruled that insurance policies with values and benefits that vary with the sex of the insured may not be used to fund certain employee benefit programs. Therefore, we offer Policies that do not vary based on the sex of the insured to certain employee benefit programs. We recommend that employers consult an attorney before offering or purchasing the Policies in connection with an employee benefit program.

**LIMITS TO METROPOLITAN LIFE'S RIGHT TO CHALLENGE THE POLICY**

Generally, we can challenge the validity of your Policy or a rider during the insured's lifetime for two years (or less, if required by state law) from the date of issue, based on misrepresentations made in the application. We can challenge the portion of the death benefit resulting from an underwritten Premium payment for two years during the insured's lifetime from receipt of the Premium payment. However, if the insured dies within two years of the date of issue, we can challenge all or part of the Policy at any time based on misrepresentations in the application. We can challenge an increase in face amount, with regard to material misstatements concerning such increase, for two years during the insured's lifetime from its effective date.

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**MISSTATEMENT OF AGE OR SEX**

If we determine, while the insured is still living, that there was a misstatement of age or (if the Policy is not unisex) sex in the application, the Policy values and charges will be recalculated from the issue date based on the correct information. If, after the death of the insured, we determine that the application misstates the insured's age or sex, the Policy's death benefit will be the amount which would be bought by the most recent Monthly Cost of Insurance, based on the insured's correct age and, if the Policy is not unisex, correct sex.

**REPORTS**

We will send you an annual statement showing your Policy's death benefit, cash value and any outstanding Policy loan principal. We will also confirm Policy loans, account transfers, lapses, surrenders and other Policy transactions when they occur.

Periodic reports containing the financial statements of the Portfolios will also be made available to you. Reports will be available online at dfinview.com/metlife/PUFT/MET000238, and we will send you a notice when a report is available. You may also request paper copies of these reports.

**PERSONALIZED ILLUSTRATIONS**

We may provide personalized illustrations showing how the Policies work based on assumptions about investment returns and the Policy Owner's and/or insured's characteristics. The illustrations are intended to show how the death benefit, Cash Surrender Value, and cash value could vary over an extended period of time assuming hypothetical gross rates of return (i.e., investment income and capital gains and losses, realized or unrealized) for the Separate Account equal to specified constant after-tax rates of return. One of the gross rates of return will be 0%. Gross rates of return do not reflect the deduction of any charges and expenses. The illustrations will be based on specified assumptions, such as face amount, premium payments, insured, risk class, and death benefit option. Illustrations will disclose the specific assumptions upon which they are based. Values will be given based on guaranteed mortality and expense risk and other charges and may also be based on current mortality and expense risk and other charges.

The illustrated death benefit, Cash Surrender Value, and cash value for a hypothetical Policy would be different, either higher or lower, from the amounts shown in the illustration if the actual gross rates of return averaged the gross rates of return upon which the illustration is based, but varied above and below the average during the period, or if premiums were paid in other amounts or at other than annual intervals. For example, as a result of variations in actual returns, additional premium payments beyond those illustrated may be necessary to maintain the Policy in force for the period shown or to realize the Policy values shown in particular illustrations even if the average rate of return is realized.

Illustrations may also show the internal rate of return on the Cash Surrender Value and the death benefit. The internal rate of return on the Cash Surrender Value is equivalent to an interest rate (after taxes) at which an amount equal to the illustrated premiums could have been invested outside the Policy to arrive at the Cash Surrender Value of the Policy. The internal rate of return on the death benefit is equivalent to an interest rate (after taxes) at which an amount equal to the illustrated premiums could have been invested outside the Policy to arrive at the death benefit of the Policy. Illustrations may also show values based on the historical performance of the Divisions. We reserve the right to impose a $25 fee for each illustration that you request in excess of one per year.

**REGISTRATION STATEMENT**

This Statement of Additional Information and the Prospectus omit certain information contained in the Registration Statement which has been filed with the SEC. Copies of such additional information may be obtained from the SEC upon payment of the prescribed fee.

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**INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

The statements of assets and liabilities of each of the divisions of Metropolitan Life Separate Account UL as of December 31, 2025, the related statements of operations and changes in net assets for each of the years or partial periods included within the three-year period ended December 31, 2025, the financial highlights for each of the years or partial periods included within the five-year period ended December 31, 2025, and the related notes (collectively referred to as the "financial statements and financial highlights"), incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements and financial highlights are incorporated by reference in reliance upon the report of such firm given their authority as experts in accounting and auditing.

The financial statements of Metropolitan Life Insurance Company as of December 31, 2025 and 2024 and for each of the three years in the period ended December 31, 2025, incorporated by reference in this Statement of Additional Information, have been audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their report. Such financial statements are incorporated by reference in reliance upon the report of such firm given their authority as experts in accounting and auditing.

The principal business address of Deloitte & Touche LLP is 30 Rockefeller Plaza, New York, New York 10112-0015.

**FINANCIAL STATEMENTS**

[The audited financial statements comprising each of the Divisions of the Separate Account and the audited consolidated](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[financial statements of the Company are hereby incorporated by reference from the submission form type N-VPFS File No. 811-06025](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[filed by the Separate Account with the SEC on April 13, 2026. Our financial statements should be considered only as bearing upon our](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)[ability to meet our obligations under the Policy.](https://www.sec.gov/Archives/edgar/data/858997/000110465926042493/tm262446d25_nvpfs.htm)

------

**Part C. Other Information**

**Item 30. Exhibits** 

&nbsp;&nbsp;&nbsp;&nbsp;(a) [Resolution of the Board of Directors of Metropolitan Life Insurance Company effecting the establishment of](http://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [Metropolitan Life Separate Account UL. (Incorporated herein by reference to Post-Effective Amendment No. 5 to the](http://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [Registrant's Registration Statement on Form S-6 (File No. 033-47927) filed April](http://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [30, 1997.)](http://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt)

&nbsp;&nbsp;&nbsp;&nbsp;(b) Custodian Agreements. None.

&nbsp;&nbsp;&nbsp;&nbsp;(c) Underwriting Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) [Form of Selected Broker Agreement. (Incorporated herein by reference to Post-Effective Amendment No. 6 to the](http://www.sec.gov/Archives/edgar/data/858997/0000912057-97-014675.txt) [Registrant's Registration Statement on Form S-6 (File No. 033-57320) filed April](http://www.sec.gov/Archives/edgar/data/858997/0000912057-97-014675.txt) [30, 1997.)](http://www.sec.gov/Archives/edgar/data/858997/0000912057-97-014675.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) [Amended and Restated Principal Underwriting Agreement between Metropolitan Life Insurance Company and MetLife](http://www.sec.gov/Archives/edgar/data/744043/000119312519115110/d660418dex993a.txt) [Investors Distribution Company, dated October 1, 2018. (Incorporated herein by reference to Post-Effective](http://www.sec.gov/Archives/edgar/data/744043/000119312519115110/d660418dex993a.txt) [Amendment No. 31 to Metropolitan Life Separate Account E's Registration Statement on Form N-4 (File No. 333-52366)](http://www.sec.gov/Archives/edgar/data/744043/000119312519115110/d660418dex993a.txt) [filed April](http://www.sec.gov/Archives/edgar/data/744043/000119312519115110/d660418dex993a.txt) [23, 2019.)](http://www.sec.gov/Archives/edgar/data/744043/000119312519115110/d660418dex993a.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) [Enterprise Sales Agreement between MetLife Investors Distribution Company and broker-dealers, dated February 2010.](http://www.sec.gov/Archives/edgar/data/744043/000119312510082182/dex993.txt) [(Incorporated herein by reference to Post-Effective Amendment No. 14 to Metropolitan Life Separate Account E's](http://www.sec.gov/Archives/edgar/data/744043/000119312510082182/dex993.txt) [Registration Statement on Form N-4 (File No. 333-83716) filed April](http://www.sec.gov/Archives/edgar/data/744043/000119312510082182/dex993.txt) [13, 2010.)](http://www.sec.gov/Archives/edgar/data/744043/000119312510082182/dex993.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) [Master Retail Sales Agreement between MetLife Investors Distribution Company and broker-dealers, dated September](http://www.sec.gov/Archives/edgar/data/858997/000119312513151105/d444541dex99cvii.txt) [2012. (Incorporated herein by reference to Post-Effective Amendment No. 27 to the Registrant's Registration Statement](http://www.sec.gov/Archives/edgar/data/858997/000119312513151105/d444541dex99cvii.txt) [on Form N-6 (File No. 033-47927) filed April](http://www.sec.gov/Archives/edgar/data/858997/000119312513151105/d444541dex99cvii.txt) [11, 2013.)](http://www.sec.gov/Archives/edgar/data/858997/000119312513151105/d444541dex99cvii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;(d) Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) [Flexible Premium Multifunded Variable Life Policy. (Incorporated herein by reference to Pre-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/858997/000095013508002291/b68365a1exv99wxdyxiy.txt) [2 to Registrant's Registration Statement on Form N-6 (File No. 333-147508) filed April](http://www.sec.gov/Archives/edgar/data/858997/000095013508002291/b68365a1exv99wxdyxiy.txt) [4, 2008.)](http://www.sec.gov/Archives/edgar/data/858997/000095013508002291/b68365a1exv99wxdyxiy.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) [New York Endorsement to Flexible Premium Multifunded Life Insurance Policy. (Incorporated herein by reference to](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [Post-Effective Amendment No. 5 to Registrant's Registration Statement on Form S-6 (File No. 033-47927) filed April 30,](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [1997.)](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) [Riders for Accelerated Death Benefit, Children's Term Insurance Benefit and Spouse Term Insurance Benefit; Riders](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [for Disability Waiver Rider and Accidental Death Benefit. (Incorporated by reference to Post-Effective Amendment No.](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [5 to Registrant's Registration Statement on Form S-6 (File No. 033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [30, 1997.)](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) [Death Benefit Endorsement. (1-E160-22) (Filed herewith.)](d46192dex99div.htm)

&nbsp;&nbsp;&nbsp;&nbsp;(e) [Application Form for Flexible Premium Multifunded Life Insurance Policy and Form of Receipt and Temporary](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [Insurance Agreement. (Incorporated by reference to Post-Effective Amendment No. 5 to Registrant's Registration](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [Statement on Form S-6 (File No. 033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt) [30, 1997.)](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032.txt)

&nbsp;&nbsp;&nbsp;&nbsp;(f) (i) [Amended and Restated By-Laws of Metropolitan Life Insurance Company (effective December 21, 2023). (Incorporated](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99fi.htm) [herein by reference to Post-Effective Amendment No. 15 to the Registrant's Registration Statement (File No. 033-](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99fi.htm) [32813) for Metropolitan Life Separate Account UL on Form N-6 filed on April](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99fi.htm) [23, 2024.)](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99fi.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) [Amended and Restated Charter of Metropolitan Life Insurance Company (effective May 16, 2016). (Incorporated herein](https://www.sec.gov/Archives/edgar/data/858997/000119312522110984/d241694dex99fv.htm) [by reference to Post-Effective Amendment No. 13 to the Registrant's Registration Statement (File No. 033-32813) for](https://www.sec.gov/Archives/edgar/data/858997/000119312522110984/d241694dex99fv.htm) [Metropolitan Life Separate Account UL on Form N-6 filed on April](https://www.sec.gov/Archives/edgar/data/858997/000119312522110984/d241694dex99fv.htm) [20, 2022.)](https://www.sec.gov/Archives/edgar/data/858997/000119312522110984/d241694dex99fv.htm)

&nbsp;&nbsp;&nbsp;&nbsp;(g) (i) [Reinsurance Contracts. (Incorporated herein by reference to Post-Effective Amendment No. 18 to the Registrant's](https://www.sec.gov/Archives/edgar/data/858997/000119312504074855/dex99g.txt) [Registration Statement on Form N-6 (File No. 033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/000119312504074855/dex99g.txt) [30, 2004.)](https://www.sec.gov/Archives/edgar/data/858997/000119312504074855/dex99g.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) [Coinsurance and Modified Coinsurance Agreement between Metropolitan Life Insurance Company and First Allmerica](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99gii.htm) [Financial Life Insurance Company dated November 16, 2023. (Incorporated herein by reference to Post-Effective](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99gii.htm) [Amendment No. 15 to the Registrant's Registration Statement (File No. 033-32813) for Metropolitan Life Separate](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99gii.htm) [Account UL on Form N-6 filed on April](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99gii.htm) [23, 2024.)](https://www.sec.gov/Archives/edgar/data/858997/000119312524106577/d931164dex99gii.htm)

&nbsp;&nbsp;&nbsp;&nbsp;(h) Participation Agreements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) [Participation Agreement dated April 30, 2001 among Metropolitan Life Insurance Company, American Funds Insurance](https://www.sec.gov/Archives/edgar/data/744043/000095013001503491/dex993d.txt) [Series and Capital Research and Management Company. (Incorporated by reference to Pre-Effective Amendment No. 1](https://www.sec.gov/Archives/edgar/data/744043/000095013001503491/dex993d.txt) [to Metropolitan Life Separate Account E's Registration Statement on Form N-4 (File No. 333-52366) filed August 3,](https://www.sec.gov/Archives/edgar/data/744043/000095013001503491/dex993d.txt) [2001.)](https://www.sec.gov/Archives/edgar/data/744043/000095013001503491/dex993d.txt)

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) [Amendment No. 1 dated May 1, 2006 to the Participation Agreement dated April 30, 2001 among Metropolitan Life](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Insurance Company, American Funds Insurance Series and Capital Research and Management Company. (Incorporated](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [herein by reference to Pre-Effective Amendment No. 1 to Metropolitan Separate Account E's Registration Statement on](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Form N-4 (File No. 333-160722) filed November](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [2, 2009.)](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) [Amendment No. 2 dated April 28, 2008 to the Participation Agreement dated April 30, 2001 among Metropolitan Life](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Insurance Company, American Funds Insurance Series and Capital Research and Management Company. (Incorporated](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [herein by reference to Pre-Effective Amendment No. 1 to Metropolitan Separate Account E's Registration Statement on](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Form N-4 (File No. 333-160722) filed November](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [2, 2009.)](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) [Amendment No. 3 dated November 10, 2008 to the Participation Agreement dated April 30, 2001 among Metropolitan](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Life Insurance Company, American Funds Insurance Series and Capital Research and Management Company.](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [(Incorporated herein by reference to Pre-Effective Amendment No. 1 to Metropolitan Separate Account E's](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [Registration Statement on Form N-4 (File No. 333-160722) filed November](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt) [2, 2009.)](https://www.sec.gov/Archives/edgar/data/744043/000119312509219960/dex998xii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) [Amendment to the Participation Agreement dated April 30, 2001 with Metropolitan Life Insurance Company, American](https://www.sec.gov/Archives/edgar/data/744043/000119312511094970/dex993.txt) [Funds Insurance Series and Capital Research and Management Company effective April 30, 2010. (Incorporated herein](https://www.sec.gov/Archives/edgar/data/744043/000119312511094970/dex993.txt) [by reference to Post-Effective Amendment No. 15 to the Metropolitan Life Separate Account E's Registration Statement](https://www.sec.gov/Archives/edgar/data/744043/000119312511094970/dex993.txt) [on Form N-4 (File No. 333- 83716) filed April](https://www.sec.gov/Archives/edgar/data/744043/000119312511094970/dex993.txt) [12, 2011.)](https://www.sec.gov/Archives/edgar/data/744043/000119312511094970/dex993.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) [Amendment No. 4 to the Participation Agreement dated April 30, 2001 with Metropolitan Life Insurance Company,](https://www.sec.gov/Archives/edgar/data/744043/000119312516539926/d60250dex993dii.txt) [American Funds Insurance Series and Capital Research and Management Company dated November 19, 2014.](https://www.sec.gov/Archives/edgar/data/744043/000119312516539926/d60250dex993dii.txt) [(Incorporated herein by reference to Post-Effective Amendment No. 18 to Metropolitan Life Separate Account E's](https://www.sec.gov/Archives/edgar/data/744043/000119312516539926/d60250dex993dii.txt) [Registration Statement on Form N-4 (File No. 333-176654) filed April](https://www.sec.gov/Archives/edgar/data/744043/000119312516539926/d60250dex993dii.txt) [13, 2016.)](https://www.sec.gov/Archives/edgar/data/744043/000119312516539926/d60250dex993dii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vii) [Amendment to Participation Agreements dated April 30, 2001 and May 16, 1989 between Metropolitan Life Insurance](https://www.sec.gov/Archives/edgar/data/744043/000119312522112592/d263826dex99h2iii.htm) [Company, American Funds Insurance Series and Capital Research and Management Company dated June 7, 2021.](https://www.sec.gov/Archives/edgar/data/744043/000119312522112592/d263826dex99h2iii.htm) [(Incorporated herein by reference to Post-Effective Amendment No. 37 to Metropolitan Life Separate Account E's](https://www.sec.gov/Archives/edgar/data/744043/000119312522112592/d263826dex99h2iii.htm) [Registration Statement on Form N-4 (File 333-52366), filed April](https://www.sec.gov/Archives/edgar/data/744043/000119312522112592/d263826dex99h2iii.htm) [21, 2022.)](https://www.sec.gov/Archives/edgar/data/744043/000119312522112592/d263826dex99h2iii.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(viii) [Participation Agreement, dated March 6, 2017, by and among Brighthouse Funds Trust I, Metropolitan Life Insurance](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993g.txt) [Company, Brighthouse Investment Advisers, LLC, and Brighthouse Securities, LLC. (Incorporated herein by reference](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993g.txt) [to Post-Effective Amendment No. 19 to Metropolitan Life Separate Account E's Registration Statement on Form N-4](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993g.txt) [(File No. 333-176654) filed April](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993g.txt) [12, 2017.)](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993g.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ix) [Amendment, dated January 1, 2021, to the Participation Agreement, dated March 6, 2017, by and among Brighthouse](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h8.htm) [Funds Trust I, Metropolitan Life Insurance Company, Brighthouse Investment Advisers, LLC, and Brighthouse](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h8.htm) [Securities, LLC. (Incorporated herein by reference to Post-Effective Amendment No. 27 to Metropolitan Life Separate](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h8.htm) [Account E's Registration Statement on Form N-4 (File No. 333-83716) filed April](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h8.htm) [28, 2021.)](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h8.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x) [Participation Agreement, dated March 6, 2017, by and among Brighthouse Funds Trust II, Metropolitan Life Insurance](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993h.txt) [Company, Brighthouse Investement Advisers, LLC, and Brighthouse Securities, LLC. (Incorporated herein by reference](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993h.txt) [to Post-Effective Amendment No. 19 to Metropolitan Life Separate Account E's Registration Statement on Form N-4](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993h.txt) [(File No. 333-176654) filed April](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993h.txt) [12, 2017.)](http://www.sec.gov/Archives/edgar/data/744043/000119312517121199/d308221dex993h.txt)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(xi) [Amendment, dated January 1, 2021, to the Participation Agreement, dated March 6, 2017, by and among Brighthouse](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h9.htm) [Funds Trust II, Metropolitan Life Insurance Company, Brighthouse Investment Advisers, LLC, and Brighthouse](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h9.htm) [Securities, LLC. (Incorporated herein by reference to Post-Effective Amendment No. 27 to Metropolitan Life Separate](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h9.htm) [Account E's Registration Statement on Form N-4 (File No. 333-83716) filed April](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h9.htm) [28, 2021.)](https://www.sec.gov/Archives/edgar/data/744043/000119312521137174/d76855dex99h9.htm)

&nbsp;&nbsp;&nbsp;&nbsp;(i) Administrative Contracts. None.

&nbsp;&nbsp;&nbsp;&nbsp;(j) Other Material Contracts. None.

&nbsp;&nbsp;&nbsp;&nbsp;(k) [Legal Opinion. Opinion and consent of Counsel as to the legality of the securities being registered (dated April 26,](https://www.sec.gov/Archives/edgar/data/858997/000119312504075026/dex99kii.txt) [2004). (Incorporated herein by reference to Post-Effective Amendment No. 8 to Registrant's Registration Statement on](https://www.sec.gov/Archives/edgar/data/858997/000119312504075026/dex99kii.txt) [Form N-6 (File No. 333-40161) filed April](https://www.sec.gov/Archives/edgar/data/858997/000119312504075026/dex99kii.txt) [30, 2004.)](https://www.sec.gov/Archives/edgar/data/858997/000119312504075026/dex99kii.txt)

&nbsp;&nbsp;&nbsp;&nbsp;(l) Actuarial Opinion. None.

&nbsp;&nbsp;&nbsp;&nbsp;(m) Calculation. None.

&nbsp;&nbsp;&nbsp;&nbsp;(n) [Consent of Independent Registered Public Accounting Firm. (Filed herewith.)](d46192dex99n.htm)

&nbsp;&nbsp;&nbsp;&nbsp;(o) Omitted Financial Statements. None.

&nbsp;&nbsp;&nbsp;&nbsp;(p) Initial Capital Agreements. None.

&nbsp;&nbsp;&nbsp;&nbsp;(q) Redeemability Exemption.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | |
|:---|:---|:---|
|  | (i) | &nbsp;&nbsp; [Memoranda describing certain procedures filed pursuant to Rule 6e-3(T)(b)(12)(iii) (dated February 2, 1990).](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032-index.html)<br> [(Incorporated herein by reference to Post-Effective Amendment No. 5 to Registrant's Registration Statement on Form](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032-index.html)<br> [S-6 (File No. 033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032-index.html)[30, 1997.)](https://www.sec.gov/Archives/edgar/data/858997/0000950130-97-002032-index.html)<br>|
|  | (ii) | &nbsp;&nbsp; [Addendum to Memoranda describing certain procedures filed pursuant to Rule 6e-3(T)(b)(12)(iii). (Incorporated](https://www.sec.gov/Archives/edgar/data/858997/000095013001001747/0000950130-01-001747-0005.txt)<br> [herein by reference to Post-Effective Amendment No. 12 to Registrant's Registration Statement on Form S-6 (File No.](https://www.sec.gov/Archives/edgar/data/858997/000095013001001747/0000950130-01-001747-0005.txt)<br> [033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/000095013001001747/0000950130-01-001747-0005.txt)[10, 2001.)](https://www.sec.gov/Archives/edgar/data/858997/000095013001001747/0000950130-01-001747-0005.txt)<br>|
|  | (iii) | &nbsp;&nbsp; [Addendum to Memoranda describing certain procedures filed pursuant to Rule 6e-3(T)(b)(12)(iii). (Incorporated](https://www.sec.gov/Archives/edgar/data/858997/000119312507084004/dex99qii.txt)<br> [herein by reference to Post-Effective Amendment No. 21 to Registrant's Registration Statement on Form N-6 (File No.](https://www.sec.gov/Archives/edgar/data/858997/000119312507084004/dex99qii.txt)<br> [033-47927) filed April](https://www.sec.gov/Archives/edgar/data/858997/000119312507084004/dex99qii.txt)[18, 2007.)](https://www.sec.gov/Archives/edgar/data/858997/000119312507084004/dex99qii.txt)<br>|
| (r) |  | Form of Initial Summary Prospectuses. Not applicable. |
|  |  | Powers of Attorney. |
| (s) | (1) | &nbsp;&nbsp; [Powers of Attorney for Carla A. Harris, Carlos M. Gutierrez, Christian S. Mumenthaler, Denise M. Morrison, Diana L.](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm)<br> [McKenzie, Jeh C. Johnson, John D. McCallion, Laura J. Hay, Mark A. Weinberger, Michel A. Khalaf, Robert G. Hubbard,](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm)<br> [and William E. Kennard for Metropolitan Life Insurance Company and its designated Separate Accounts. (Incorporated](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm)<br> [herein by reference to Post-Effective Amendment No. 17 to Metropolitan Life's Separate Account E's Registration](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm)<br> [Statement on Form N-4, File No. 333-190296, Filed January](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm)[29, 2026.)](https://www.sec.gov/Archives/edgar/data/744043/000119312526028997/d16915dex99pii.htm) <br>|
|  | (2) | &nbsp;&nbsp; [Power of Attorney for Adrienne O'Neill for Metropolitan Life Insurance Company and its designated Separate Accounts.](https://www.sec.gov/Archives/edgar/data/744043/000119312525276318/d35602dex99pv.htm)<br> [(Incorporated herein by reference to Post-Effective Amendment No. 16 to Metropolitan Life Separate Account E's](https://www.sec.gov/Archives/edgar/data/744043/000119312525276318/d35602dex99pv.htm)<br> [Registration Statement on Form N-4, File No. 333-190296, Filed November](https://www.sec.gov/Archives/edgar/data/744043/000119312525276318/d35602dex99pv.htm)[12, 2025.)](https://www.sec.gov/Archives/edgar/data/744043/000119312525276318/d35602dex99pv.htm)<br>|
|  | (3) | &nbsp;&nbsp; [Powers of Attorney for Daniel S. Glaser and Michelle Seitz for Metropolitan Life Insurance Company and its designated](d46192dex99s3.htm)<br> [Separate Accounts. (Filed herewith.)](d46192dex99s3.htm)<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Item 31. Directors and Officers of Depositor** 

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Positions and Offices with Depositor** |
| Robert G. Hubbard<br> 200 Park Avenue<br> New York, NY 10166<br>| Chairman of the Board and Director |
| Michel A. Khalaf<br> 200 Park Avenue<br> New York, NY 10166<br>| President, Chief Executive Officer and Director |
| Daniel S. Glaser<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Carlos M. Gutierrez<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Carla Harris<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Laura J. Hay<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Jeh C. Johnson<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| William E. Kennard<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |

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------

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| | |
|:---|:---|
| **Name and Principal Business Address** | **Positions and Offices with Depositor** |
| Diana L. McKenzie<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Denise M. Morrison<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Christian S. Mumenthaler<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Michelle Seitz<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |
| Mark A. Weinberger<br> 200 Park Avenue<br> New York, NY 10166<br>| Director |

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Set forth below is a list of certain principal officers of Metropolitan Life Insurance Company. The principal business address of each principal officer is 200 Park Avenue, New York, NY 10166 unless otherwise noted below.

---

| | |
|:---|:---|
| **NAME** | **POSITIONS WITH DEPOSITOR** |
| Michel A. Khalaf | President and Chief Executive Officer |
| Bryan E. Boudreau | Executive Vice President & Chief Actuary |
| Marlene Debel | Executive Vice President and Chief Risk Officer |
| Monica Curtis | Executive Vice President and Chief Legal Officer and Head of Government Relations |
| John D. McCallion | Executive Vice President and Chief Financial Officer  |
| John A. Hall | Executive Vice President and Treasurer |
| William C. O'Donnell | Executive Vice President, Chief Financial Officer, U.S., MetLife Holdings |
| Bill Pappas | Executive Vice President, Global Technology & Operations |
| Adrienne O'Neill | Executive Vice President and Chief Accounting Officer |
| Ramy Tadros | Regional President, U.S. Business and Head of MetLife Holdings |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

**Item 32. Persons Controlled by or Under Common Control with the Depositor or Registrant.**

The Registrant is a separate account of Metropolitan Life Insurance Company under the New York Insurance law. Under said law the assets allocated to the Separate Account are the property of Metropolitan Life Insurance Company. Metropolitan Life Insurance Company is a wholly-owned subsidiary of MetLife, Inc., a publicly traded company. The following outline indicates those persons who are controlled by or under common control with MetLife, Inc. No person is controlled by the Registrant.

**ORGANIZATIONAL STRUCTURE OF METLIFE, INC. AND SUBSIDIARIES** <br>**AS OF DECEMBER 31, 2025**

The following is a list of subsidiaries of MetLife, Inc. updated as of December 31, 2025. Those entities which are listed at the left margin (labeled with capital letters) are direct subsidiaries of MetLife, Inc. Unless otherwise indicated, each entity which is indented under another entity is a subsidiary of that other entity and, therefore, an indirect subsidiary of MetLife, Inc. Certain inactive subsidiaries have been omitted from the MetLife, Inc. organizational listing. The voting securities (excluding directors' qualifying shares, if any) of the subsidiaries listed are 100% owned by their respective parent corporations, unless otherwise indicated. The jurisdiction of domicile of each subsidiary listed is set forth in the parenthetical following such subsidiary.

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| | | | |
|:---|:---|:---|:---|
| A.  | Metropolitan Life Insurance Company ("MLIC") (NY)  | Metropolitan Life Insurance Company ("MLIC") (NY)  | Metropolitan Life Insurance Company ("MLIC") (NY)  |
|  | 1. | 500 Grant Street GP LLC (DE)  | 500 Grant Street GP LLC (DE)  |
|  | 2. | &nbsp;&nbsp; 500 Grant Street Associates Limited Partnership (CT) - 99% of 500 Grant Street Associates Limited Partnership is held by <br> Metropolitan Life Insurance Company and 1% by 500 Grant Street GP LLC.  | &nbsp;&nbsp; 500 Grant Street Associates Limited Partnership (CT) - 99% of 500 Grant Street Associates Limited Partnership is held by <br> Metropolitan Life Insurance Company and 1% by 500 Grant Street GP LLC.  |
|  | 3. | ML 225 6th Street Member LLC (DE)  | ML 225 6th Street Member LLC (DE)  |
|  | 4. | MetLife Retirement Services LLC (NJ)  | MetLife Retirement Services LLC (NJ)  |
|  | 5. | MetLife 500 Canal Street Member LLC (DE) - This entity is wholly owned by Metropolitan Life Insurance Company  | MetLife 500 Canal Street Member LLC (DE) - This entity is wholly owned by Metropolitan Life Insurance Company  |
|  | 6. | &nbsp;&nbsp; ML Bellevue Member LLC (DE) - 89.5% of ML Bellevue Member LLC is owned by Metropolitan Life Insurance Company <br> and 10.5% is owned by Metropolitan Tower Life Insurance Company.  | &nbsp;&nbsp; ML Bellevue Member LLC (DE) - 89.5% of ML Bellevue Member LLC is owned by Metropolitan Life Insurance Company <br> and 10.5% is owned by Metropolitan Tower Life Insurance Company.  |
|  | 7. | &nbsp;&nbsp; ML Clal Member, LLC (DE) - 50.1% of ML Clal Member, LLC is owned by Metropolitan Life Insurance Company and 49.9% <br> is owned by MetLife Reinsurance Company of Hamilton, Ltd.  | &nbsp;&nbsp; ML Clal Member, LLC (DE) - 50.1% of ML Clal Member, LLC is owned by Metropolitan Life Insurance Company and 49.9% <br> is owned by MetLife Reinsurance Company of Hamilton, Ltd.  |
|  | 8. | CC Holdco Manager, LLC (DE)  | CC Holdco Manager, LLC (DE)  |
|  | 9. | MetLife Funding, Inc. (DE)  | MetLife Funding, Inc. (DE)  |
|  | 10. | 6104 Hollywood, LLC (DE)  | 6104 Hollywood, LLC (DE)  |
|  | 11. | &nbsp;&nbsp; 1350 Eye Street Owner LLC (DE) - 95.616439% of 1350 Eye Street Owner LLC is owned by Metropolitan Life insurance <br> Company and 4.383561% is owned by Metropolitan Tower Life Insurance Company.  | &nbsp;&nbsp; 1350 Eye Street Owner LLC (DE) - 95.616439% of 1350 Eye Street Owner LLC is owned by Metropolitan Life insurance <br> Company and 4.383561% is owned by Metropolitan Tower Life Insurance Company.  |
|  | 12. | MetLife Securitization Depositor LLC (DE)  | MetLife Securitization Depositor LLC (DE)  |
|  | 13. | WFP 1000 Holding Company GP, LLC (DE)  | WFP 1000 Holding Company GP, LLC (DE)  |
|  | 14. | MTU Hotel Owner, LLC (DE)  | MTU Hotel Owner, LLC (DE)  |
|  | 15. | MetLife Water Tower Owner LLC (DE)  | MetLife Water Tower Owner LLC (DE)  |
|  | 16. | Missouri Reinsurance, Inc. (CYM)  | Missouri Reinsurance, Inc. (CYM)  |
|  | 17. | The Building at 575 Fifth Avenue Mezzanine LLC (DE)  | The Building at 575 Fifth Avenue Mezzanine LLC (DE)  |
|  |  | a. | The Building at 575 Fifth Retail Holding LLC (DE)  |
|  |  | b. | The Building at 575 Fifth Retail Owner LLC (DE)  |
|  | 18. | 23rd Street Investments, Inc. (DE)  | 23rd Street Investments, Inc. (DE)  |
|  |  | a.  | &nbsp;&nbsp; MetLife Capital Credit L.P. (DE)- 1% General Partnership interest is held by 23rd Street Investments, Inc. and 99% <br> Limited Partnership interest is held by Metropolitan Life Insurance Company.  |
|  |  | b.  | &nbsp;&nbsp; MetLife Capital Limited Partnership (DE)- 1% General Partnership interest is held by 23rd Street Investments, Inc. <br> and 99% Limited Partnership interest is held by Metropolitan Life Insurance Company.  |
|  |  | c.  | &nbsp;&nbsp; Long Island Solar Farm LLC (DE) - 90.39% membership interest is held by LISF Solar Trust in which MetLife <br> Capital Limited Partnership has a 100% beneficial interest and the remaining 9.61% is owned by a third-party.  |
|  |  |  | Met Canada Solar ULC (CAN)  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| 19. | Plaza Drive Properties, LLC (DE)  |
| 20. | White Oak Royalty Company (OK)  |
| 21. | Midtown Heights, LLC (DE)  |
| 22. | MetLife Legal Plans, Inc. (DE)  |
| 23. | MetLife Next Gen Ventures, LLC (DE)  |
| 24. | ML District NoHo Master Member, LLC (DE)  |
| 25. | MetLife Properties Ventures, LLC (DE)  |
| 26. | MET 1065 Hotel, LLC (DE)  |
| 27. | ML MMIP Member, LLC (DE)  |
| 28. | Transmountain Land & Livestock Company (MT)  |
| 29. | MEX DF Properties, LLC (DE)  |
| 30. | PREFCO Fourteen, LLC (DE)  |
| 31. | ML HS Member LLC (DE)  |
| 32. | MetLife Tower Resources Group, Inc. (DE)  |
| 33. | &nbsp;&nbsp; ML 4000 MACARTHUR MEMBER LLC (DE) - Metropolitan Life Insurance Company owns 100% of ML 4000 MacArthur <br> Member LLC.  |
| 34. | Housing Fund Manager, LLC (DE)  |
| 35. | ML Cooperative Member, LLC (DE)  |
| 36. | &nbsp;&nbsp; ML CW Member LLC (DE) - 92.7% of ML CW Member LLC is owned by Metropolitan Life Insurance Company and 7.3% is <br> owned by Metropolitan Tower Life Insurance Company.  |
| 37. | MAV Trust Holdings LLC (DE)  |
| 38. | MAV 1 (DE)  |
| 39. | ML Clal Member 2.0, LLC (DE)  |
| 40. | ML PFV Member LLC (DE)  |
|  | &nbsp;&nbsp; PF Venture LLC (DE) - ML PFV Member LLC holds a 94.117647% interest and MTL PFV Member LLC holds a <br> 5.882353% interest.  |
| 41. | &nbsp;&nbsp; MetLife CC Member, LLC (DE) - 95.122% of MetLife CC Member, LLC is owned by Metropolitan Life Insurance Company <br> and 4.878% is owned by Metropolitan Tower Life Insurance Company.  |
| 42. | &nbsp;&nbsp; 150 North Riverside PE Member, LLC (DE) - 81.45% of 150 North Riverside PE Member, LLC is owned by Metropolitan Life <br> Insurance Company, 18.55% is owned by Metropolitan Tower Life Insurance Company.  |
| 43 | &nbsp;&nbsp; ML Port Chester SC Member, LLC (DE) - 60% of ML Port Chester SC Member, LLC is owned by Metropolitan Life <br> Insurance Company and 40% is owned by Metropolitan Tower Life Insurance Company.  |
| 44. | &nbsp;&nbsp; MetLife 555 12th Member, LLC (DE) - 89.84% is owned by Metropolitan Life Insurance Company and 10.16% by <br> Metropolitan Tower Life Insurance Company.  |
| 45. | &nbsp;&nbsp; ML Southlands Member, LLC (DE) - 60% of ML Southlands Member, LLC is owned by Metropolitan Life Insurance <br> Company and 40% is owned by Metropolitan Tower Life Insurance Company.  |
| 46. | &nbsp;&nbsp; ML Cerritos TC Member, LLC (DE) - 60% of ML Cerritos TC Member, LLC is owned by Metropolitan Life Insurance <br> Company and 40% is owned by Metropolitan Tower Life Insurance Company.  |
| 47. | ML Swan Mezz, LLC (DE)  |
|  | ML Swan GP, LLC (DE)  |
| 48. | ML Dolphin Mezz, LLC (DE)  |
|  | ML Dolphin GP, LLC (DE)  |
| 49. | Haskell East Village, LLC (DE)  |
| 50. | ML Sloan's Lake Member, LLC (DE)  |
| 51. | ML 610 Zane Member, LLC (DE)  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| 52. | HD Owner LLC (DE)  |
| 53. | &nbsp;&nbsp; ML Southmore, LLC (DE) - 99% of ML Southmore, LLC is owned by Metropolitan Life Insurance Company and 1% by <br> Metropolitan Tower Life Insurance Company.  |
| 54. | &nbsp;&nbsp; ML Terminal 106 Member, LLC (DE) - 87.45% of ML Terminal 106 Member, LLC is held by Metropolitan Life Insurance <br> Company and 12.55% by Metropolitan Tower Life Insurance Company.  |
| 55. | Boulevard Residential, LLC (DE)  |
| 56. | MetLife Ontario Street Member, LLC (DE)  |
| 57. | Pacific Logistics Industrial South, LLC (DE)  |
| 58. | MetLife Ashton Austin Owner, LLC (DE)  |
| 59. | MetLife Acoma Owner, LLC (DE)  |
| 60. | 1201 TAB Manager, LLC (DE)  |
| 61. | MetLife 1201 TAB Member, LLC (DE)  |
| 62. | &nbsp;&nbsp; MetLife LHH Member, LLC (DE) - 99% of MetLife LHH Member, LLC is owned by Metropolitan Life Insurance Company <br> and 1% is owned by Metropolitan Tower Life Insurance Company.  |
| 63. | ML 300 Third Member LLC (DE)  |
| 64. | MNQM TRUST 2020 (DE)  |
| 65. | Oconee Hotel Company, LLC (DE)  |
| 66. | Oconee Land Company, LLC (DE)  |
|  | Oconee Land Development Company, LLC (DE)  |
|  | Oconee Golf Company, LLC (DE)  |
|  | Oconee Marina Company, LLC (DE)  |
| 67. | ML Hudson Member, LLC (DE)  |
| 68. | MCJV, LLC (DE)  |
| 69. | MetLife THR Investor, LLC (DE)  |
| 70. | ML Matson Mills Member LLC (DE)  |
| 71. | &nbsp;&nbsp; ML University Town Center Member, LLC (DE) - 87% of ML University Town Center Member, LLC is owned by Metropolitan <br> Life Insurance Company and 13% is owned by Metropolitan Tower Life Insurance Company.  |
| 72. | Southcreek Industrial Holdings, LLC (DE)  |
| 73. | ML OMD Member, LLC (DE)  |
| 74. | MetLife OFC Member, LLC (DE)  |
| 75. | &nbsp;&nbsp; MetLife Camino Ramon Member, LLC (DE) - 99% of MetLife Camino Ramon Member, LLC is owned by Metropolitan Life <br> Insurance Company and 1% by Metropolitan Tower Life Insurance Company.  |
| 76. | &nbsp;&nbsp; MetLife 425 MKT Member, LLC (DE) - 66.91% of MetLife 425 MKT Member, LLC is owned by Metropolitan Life Insurance <br> Company and 33.09% is owned by MREF 425 MKT, LLC.  |
| 77. | MetLife GV Owner LLC (DE)  |
| 78. | MMP Owners III, LLC (DE)  |
|  | MetLife Multi-Family Partners III, LLC (DE)  |
|  | MMP Holdings III, LLC (DE)  |
|  | MMP South Park REIT, LLC (DE)  |
|  | MMP South Park OWNER, LLC (DE)  |
|  | MMP Olivian REIT, LLC (DE)  |
|  | MMP Olivian Owner, LLC (DE)  |
| 79. | MC Portfolio JV Member, LLC (DE)  |
| 80. | Pacific Logistics Industrial North, LLC (DE)  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| 81. | &nbsp;&nbsp; ML Armature Member, LLC (DE) - 87.34% of ML Armature Member, LLC is owned by Metropolitan Life Insurance <br> Company and 12.66% is owned by Metropolitan Tower Life Insurance Company.  |
| 82. | ML One Bedminster, LLC (DE)  |
| 83. | &nbsp;&nbsp; ML-AI MetLife Member 2, LLC (DE) - 98.97% of ML-AI MetLife Member 2, LLC's ownership interest is owned by <br> Metropolitan Life Insurance Company and 1.03% by Metropolitan Tower Life Insurance Company.  |
| 84. | ML-AI MetLife Member 3, LLC (DE)  |
| 85. | ML-AI MetLife Member 4, LLC (DE) - 60% owned by MLIC and 40% owned by Metropolitan Tower Life Insurance Company  |
| 86. | ML-AI MetLife Member 5, LLC (DE)  |
| 87. | MetLife HCMJV 1 GP, LLC (DE)  |
| 88. | MetLife HCMJV 1 LP, LLC (DE)  |
| 89. | ML Corner 63 Member, LLC (DE)  |
| 90. | MCRE BLOCK 40, LP (DE)  |
| 91. | &nbsp;&nbsp; ML Mililani Member, LLC (DE) - 40% of ML Mililani Member, LLC is owned by Metropolitan Life Insurance Company and <br> 60% is owned by Metropolitan Tower Life Insurance Company.  |
| 92. | MetLife Japan US Equity Owners LLC (DE)  |
| 93. | &nbsp;&nbsp; Sino-US United MetLife Insurance Co., Ltd. - 50% of Sino-US United MetLife Insurance Company, Ltd. is owned by MLIC <br> and 50% is owned by a third-party.  |
| 94. | MMP Owners, LLC (DE)  |
| 95. | ML AG Member (DE)  |
| 96. | 10700 Wilshire, LLC (DE)  |
| 97. | Chestnut Flats Wind, LLC (DE)  |
| 99. | ML Terraces, LLC (DE)  |
| 99. | Viridian Miracle Mile, LLC (DE)  |
| 100. | MetLife Boro Station Member, LLC (DE)  |
| 101. | &nbsp;&nbsp; ML PE Terminal 106, LLC (DE) - 87.45% of ML PE Terminal 106, LLC is owned by Metropolitan Life Insurance Company <br> and 12.55% is owned by Metropolitan Tower Life Insurance Company.  |
| 102. | MetLife FM Hotel Member, LLC (DE)  |
|  | LHCW Holdings (US) LLC (DE)  |
|  | LHC Holdings (US) LLC (DE)  |
|  | LHCW Hotel Holding LLC (DE)  |
|  | LHCW Hotel Holding (2002) LLC (DE)  |
|  | LHCW Hotel Operating Company (2002) LLC (DE)  |
| 103. | White Tract II, LLC (DE)  |
| 104. | MetLife OBS Member, LLC (DE)  |
| 105. | MetLife SP Holdings, LLC (DE)  |
|  | MetLife Private Equity Holdings, LLC (DE)  |
| 106. | MetLife Park Tower Member, LLC (DE)  |
|  | Park Tower REIT, Inc. (DE)  |
|  | Park Tower JV Member, LLC (DE)  |
| 107. | &nbsp;&nbsp; MCPP Owners, LLC (DE) - 87.992% of MCPP Owners, LLC is owned by Metropolitan Life Insurance Company and 12.008% <br> is owned by MetLife Reinsurance Company of Hamilton, Ltd.  |
|  | &nbsp;&nbsp; MCPP Marbella Member, LLC (DE) - 50.1% of MCPP Marbella Member, LLC is owned by MCPP Owners, LLC and <br> 49.9% is owned by third parties  |
| 108. | MetLife Chino Member, LLC (DE)  |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | 109. | MetLife Campus at SGV Member LLC (DE)  | MetLife Campus at SGV Member LLC (DE)  | MetLife Campus at SGV Member LLC (DE)  |
|  | 110. | MNQM Trust Holdings LLC (DE)  | MNQM Trust Holdings LLC (DE)  | MNQM Trust Holdings LLC (DE)  |
|  | 111. | ML 240 West 35th Owner LLC (DE)  | ML 240 West 35th Owner LLC (DE)  | ML 240 West 35th Owner LLC (DE)  |
|  |  | a.  | 40 West 35th Fund LP (DE)  | 40 West 35th Fund LP (DE)  |
|  | 112. | ML Artisan Crossing PE Member, LLC (DE)  | ML Artisan Crossing PE Member, LLC (DE)  | ML Artisan Crossing PE Member, LLC (DE)  |
|  | 113. | ML 1960 Grand LLC (DE)  | ML 1960 Grand LLC (DE)  | ML 1960 Grand LLC (DE)  |
|  |  | a.  | &nbsp;&nbsp; 1960 Grand Fund LP (DE) - 58.96% of 1960 Grand Fund LP is owned by MetLife Insurance K.K. and 41.04% is owned <br> by MLIC  | &nbsp;&nbsp; 1960 Grand Fund LP (DE) - 58.96% of 1960 Grand Fund LP is owned by MetLife Insurance K.K. and 41.04% is owned <br> by MLIC  |
|  |  | b.  | 1960 Grand Venture LLC (DE)  | 1960 Grand Venture LLC (DE)  |
|  |  | c.  | 1960 Grand Owner LLC (DE)  | 1960 Grand Owner LLC (DE)  |
|  | 114. | TOV Owner LLC (DE)  | TOV Owner LLC (DE)  | TOV Owner LLC (DE)  |
|  | 115. | MZO Owner LLC (DE)  | MZO Owner LLC (DE)  | MZO Owner LLC (DE)  |
|  | 116. | ML Cooperative Member, LLC (DE)  | ML Cooperative Member, LLC (DE)  | ML Cooperative Member, LLC (DE)  |
|  | 117. | 505 Penobscot Drive RWC, LLC (DE)  | 505 Penobscot Drive RWC, LLC (DE)  | 505 Penobscot Drive RWC, LLC (DE)  |
|  | 118. | &nbsp;&nbsp; ML MetWest Member LLC (DE) - 70.95% of ML MetWest Member LLC is owned by Metropolitan Life Insurance Company <br> and 29.05% is owned by Metropolitan Tower Life Insurance Company  | &nbsp;&nbsp; ML MetWest Member LLC (DE) - 70.95% of ML MetWest Member LLC is owned by Metropolitan Life Insurance Company <br> and 29.05% is owned by Metropolitan Tower Life Insurance Company  | &nbsp;&nbsp; ML MetWest Member LLC (DE) - 70.95% of ML MetWest Member LLC is owned by Metropolitan Life Insurance Company <br> and 29.05% is owned by Metropolitan Tower Life Insurance Company  |
|  | 119. | &nbsp;&nbsp; ML Beachwood Place LLC (DE) - 93.97% owned by Metropolitan Life Insurance Company and 6.07% owned by <br> Metropolitan Tower Life Insurance Company  | &nbsp;&nbsp; ML Beachwood Place LLC (DE) - 93.97% owned by Metropolitan Life Insurance Company and 6.07% owned by <br> Metropolitan Tower Life Insurance Company  | &nbsp;&nbsp; ML Beachwood Place LLC (DE) - 93.97% owned by Metropolitan Life Insurance Company and 6.07% owned by <br> Metropolitan Tower Life Insurance Company  |
| B. | Versant Health, Inc. (DE)  | Versant Health, Inc. (DE)  | Versant Health, Inc. (DE)  | Versant Health, Inc. (DE)  |
|  | 1. | Versant Health Holdco, Inc . (DE)  | Versant Health Holdco, Inc . (DE)  | Versant Health Holdco, Inc . (DE)  |
|  |  | a.  | Versant Health Consolidation Corp, (DE)  | Versant Health Consolidation Corp, (DE)  |
|  |  |  | 1)  | Davis Vision, Inc. (NY)  |
|  |  |  | a)  | Versant Health Lab, LLC (DE)  |
|  |  |  | b)  | Davis Vision IPA, Inc. (NY)  |
|  |  | b.  | Superior Vision Services, Inc. (DE)  | Superior Vision Services, Inc. (DE)  |
|  |  |  | 1)  | Superior Vision Insurance, Inc. (AZ)  |
|  |  | c.  | Vision Twenty-One Managed Eye Care IPA, Inc. (NY)  | Vision Twenty-One Managed Eye Care IPA, Inc. (NY)  |
|  |  | d.  | Superior Vision Insurance Plan of Wisconsin, Inc. (WI)  | Superior Vision Insurance Plan of Wisconsin, Inc. (WI)  |
|  |  | e.  | Superior Vision Benefit Management, Inc. (NJ)  | Superior Vision Benefit Management, Inc. (NJ)  |
|  |  |  | 1)  | Block Vision of Texas, Inc. (TX)  |
|  |  |  | 2)  | UVC Independent Practice Association, Inc. (NY)  |
|  |  |  | 3)  | Superior Vision of New Jersey, Inc. (NJ)  |
|  |  | f.  | Vision 21 Physician Practice Management Company (FL)  | Vision 21 Physician Practice Management Company (FL)  |
| C. | Metropolitan Tower Life Insurance Company (NE)  | Metropolitan Tower Life Insurance Company (NE)  | Metropolitan Tower Life Insurance Company (NE)  | Metropolitan Tower Life Insurance Company (NE)  |
|  | 1. | MTL Leasing, LLC (DE)  | MTL Leasing, LLC (DE)  | MTL Leasing, LLC (DE)  |
|  | 2. | MetLife Assignment Company, Inc. (DE)  | MetLife Assignment Company, Inc. (DE)  | MetLife Assignment Company, Inc. (DE)  |
|  | 3. | MTL HS Member LLC (DE)  | MTL HS Member LLC (DE)  | MTL HS Member LLC (DE)  |
|  | 4. | MTL GV Owner LLC (DE)  | MTL GV Owner LLC (DE)  | MTL GV Owner LLC (DE)  |
|  | 5. | MTL PFV Member LLC (DE)  | MTL PFV Member LLC (DE)  | MTL PFV Member LLC (DE)  |
| D. | SafeGuard Health Enterprises, Inc. (DE)  | SafeGuard Health Enterprises, Inc. (DE)  | SafeGuard Health Enterprises, Inc. (DE)  | SafeGuard Health Enterprises, Inc. (DE)  |
|  | 1. | MetLife Health Plans, Inc. (DE)  | MetLife Health Plans, Inc. (DE)  | MetLife Health Plans, Inc. (DE)  |
|  | 2. | SafeGuard Health Plans, Inc. (CA)  | SafeGuard Health Plans, Inc. (CA)  | SafeGuard Health Plans, Inc. (CA)  |
|  | 3. | SafeHealth Life Insurance Company (CA)  | SafeHealth Life Insurance Company (CA)  | SafeHealth Life Insurance Company (CA)  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | 4. | SafeGuard Health Plans, Inc. (FL)  | SafeGuard Health Plans, Inc. (FL)  | SafeGuard Health Plans, Inc. (FL)  | SafeGuard Health Plans, Inc. (FL)  |
|  | 5. | SafeGuard Health Plans, Inc. (TX)  | SafeGuard Health Plans, Inc. (TX)  | SafeGuard Health Plans, Inc. (TX)  | SafeGuard Health Plans, Inc. (TX)  |
| E. | American Life Insurance Company (DE)  | American Life Insurance Company (DE)  | American Life Insurance Company (DE)  | American Life Insurance Company (DE)  | American Life Insurance Company (DE)  |
|  | 1. | &nbsp;&nbsp; BIDV MetLife Life Insurance Limited Liability Company (Vietnam) – 60.61% of BIDV MetLife Life Insurance Limited <br> Liability Company is held by American Life Insurance Company and the remainder by third parties.  | &nbsp;&nbsp; BIDV MetLife Life Insurance Limited Liability Company (Vietnam) – 60.61% of BIDV MetLife Life Insurance Limited <br> Liability Company is held by American Life Insurance Company and the remainder by third parties.  | &nbsp;&nbsp; BIDV MetLife Life Insurance Limited Liability Company (Vietnam) – 60.61% of BIDV MetLife Life Insurance Limited <br> Liability Company is held by American Life Insurance Company and the remainder by third parties.  | &nbsp;&nbsp; BIDV MetLife Life Insurance Limited Liability Company (Vietnam) – 60.61% of BIDV MetLife Life Insurance Limited <br> Liability Company is held by American Life Insurance Company and the remainder by third parties.  |
|  | 2. | MetLife Insurance K.K. (Japan)  | MetLife Insurance K.K. (Japan)  | MetLife Insurance K.K. (Japan)  | MetLife Insurance K.K. (Japan)  |
|  |  | a. | Fortissimo Co. Ltd. (Japan)  | Fortissimo Co. Ltd. (Japan)  | Fortissimo Co. Ltd. (Japan)  |
|  |  | b. | MetLife Japan Water Tower Owner (Blocker) LLC (DE)  | MetLife Japan Water Tower Owner (Blocker) LLC (DE)  | MetLife Japan Water Tower Owner (Blocker) LLC (DE)  |
|  |  | c. | MetLife Japan Owner (Blocker) LLC (DE)  | MetLife Japan Owner (Blocker) LLC (DE)  | MetLife Japan Owner (Blocker) LLC (DE)  |
|  |  | d. | MetLife Japan 1960 Grand Blocker LLC (DE)  | MetLife Japan 1960 Grand Blocker LLC (DE)  | MetLife Japan 1960 Grand Blocker LLC (DE)  |
|  |  | e. | 240 West 35th GP LLC (DE)  | 240 West 35th GP LLC (DE)  | 240 West 35th GP LLC (DE)  |
|  |  | F | MetLife Japan 240 West 35th Owner (Blocker) LLC (DE)  | MetLife Japan 240 West 35th Owner (Blocker) LLC (DE)  | MetLife Japan 240 West 35th Owner (Blocker) LLC (DE)  |
|  |  | g. | MetLife Japan US Equity Owners (Blocker) LLC (DE)  | MetLife Japan US Equity Owners (Blocker) LLC (DE)  | MetLife Japan US Equity Owners (Blocker) LLC (DE)  |
|  | 3. | Borderland Investments Limited (DE)  | Borderland Investments Limited (DE)  | Borderland Investments Limited (DE)  | Borderland Investments Limited (DE)  |
|  |  | a. | ALICO Hellas Single Member Limited Liability Company (Greece)  | ALICO Hellas Single Member Limited Liability Company (Greece)  | ALICO Hellas Single Member Limited Liability Company (Greece)  |
|  | 4. | MetLife Global Holding Company I GmbH (Swiss)  | MetLife Global Holding Company I GmbH (Swiss)  | MetLife Global Holding Company I GmbH (Swiss)  | MetLife Global Holding Company I GmbH (Swiss)  |
|  |  | a. | &nbsp;&nbsp; MetLife Global Holding Company II LLC (DE and Swiss) - MetLife Global Holding Company II LLC is dual chartered <br> in DE and Switzerland.  | &nbsp;&nbsp; MetLife Global Holding Company II LLC (DE and Swiss) - MetLife Global Holding Company II LLC is dual chartered <br> in DE and Switzerland.  | &nbsp;&nbsp; MetLife Global Holding Company II LLC (DE and Swiss) - MetLife Global Holding Company II LLC is dual chartered <br> in DE and Switzerland.  |
|  |  |  | 1) | Closed Joint-Stock Company Master-D (Russia)  | Closed Joint-Stock Company Master-D (Russia)  |
|  |  |  | 2) | &nbsp;&nbsp; MetLife Colombia Seguros de Vida S.A. (Colombia) - 89.9999657134583% of MetLife Colombia Seguros de Vida <br> S.A. is owned by MetLife Global Holding Company II LLC (DE and Swiss), 10.0000315938813% is owned by <br> MetLife Chile Inversiones Limitada, and International Technical and Advisory Services Limited, Borderland <br> Investments Limited, and Natiloportem Holdings, LLC each own 0.000000897553447019009%.  | &nbsp;&nbsp; MetLife Colombia Seguros de Vida S.A. (Colombia) - 89.9999657134583% of MetLife Colombia Seguros de Vida <br> S.A. is owned by MetLife Global Holding Company II LLC (DE and Swiss), 10.0000315938813% is owned by <br> MetLife Chile Inversiones Limitada, and International Technical and Advisory Services Limited, Borderland <br> Investments Limited, and Natiloportem Holdings, LLC each own 0.000000897553447019009%.  |
|  |  |  | 3) | &nbsp;&nbsp; PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife is owned by MetLife Global Holding Company II GmbH, <br> .0006% is owned by International Technical and Advisory Services and the remaining .0006% is owned by <br> Borderland Investments Limited.  | &nbsp;&nbsp; PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife is owned by MetLife Global Holding Company II GmbH, <br> .0006% is owned by International Technical and Advisory Services and the remaining .0006% is owned by <br> Borderland Investments Limited.  |
|  |  |  | 4) | &nbsp;&nbsp; MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of MetLife Emeklilik ve Hayat A.S. is owned by MetLife <br> Global Holding Company II GmbH (Swiss) and the remaining by third parties.  | &nbsp;&nbsp; MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of MetLife Emeklilik ve Hayat A.S. is owned by MetLife <br> Global Holding Company II GmbH (Swiss) and the remaining by third parties.  |
|  |  |  | 5) | MetLife Reinsurance Company of Bermuda Ltd. (Bermuda)  | MetLife Reinsurance Company of Bermuda Ltd. (Bermuda)  |
|  |  |  | 6) | &nbsp;&nbsp; MetLife Regional Services, S.A. de C.V. (Mexico) - 99.999509% of MetLife Regional Services, S.A. de C.V. Mexico <br> is held by MetLife Global Holding Company II LLC (DE and Swiss) and 0.000491% is held by MetLife UK <br> Management Company Limited (England/UK).  | &nbsp;&nbsp; MetLife Regional Services, S.A. de C.V. (Mexico) - 99.999509% of MetLife Regional Services, S.A. de C.V. Mexico <br> is held by MetLife Global Holding Company II LLC (DE and Swiss) and 0.000491% is held by MetLife UK <br> Management Company Limited (England/UK).  |
|  |  |  | a) | Fundación MetLife Mexico, A.C.  | Fundación MetLife Mexico, A.C.  |
|  |  |  | 7) | MetLife International Holdings, LLC (DE)  | MetLife International Holdings, LLC (DE)  |
|  |  |  | a) | Natiloportem Holdings, LLC (DE)  | Natiloportem Holdings, LLC (DE)  |
|  |  |  |  | (1) | &nbsp;&nbsp; Excelencia Operativa y Tecnologica, S.A. de C.V. (Mexico) - 99.9% of Excelencia Operativa y <br> Tecnologica, S.A. de C.V. is held by Natiloportem Holdings, LLC and .1% by MetLife Mexico Servicios, <br> S.A. de C.V.  |
|  |  |  |  | (2) | &nbsp;&nbsp; MetLife Servicios S.A. (Argentina) - 19.12% of the shares of MetLife Servicios S.A. are held by <br> Compania Inversora MetLife S.A. 80.88% are held by Natiloportem Holdings, LLC.  |
|  |  |  | b) | &nbsp;&nbsp; MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN S.A.S. is held by MetLife International Holdings, LLC and <br> the remainder by third parties.  | &nbsp;&nbsp; MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN S.A.S. is held by MetLife International Holdings, LLC and <br> the remainder by third parties.  |
|  |  |  |  | (1) | MAXIS Services, LLC (DE)  |
|  |  |  |  | (a) | MAXIS Insurance Brokerage Services, Inc. (DE)  |
|  |  |  | c) | MetLife Asia Limited (Hong Kong)  | MetLife Asia Limited (Hong Kong)  |
|  |  |  | d) | MetLife International Limited, LLC (DE)  | MetLife International Limited, LLC (DE)  |

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|:---|:---|:---|:---|
| e) | &nbsp;&nbsp; Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by MetLife International Holdings, LLC <br> and 4.54% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by MetLife International Holdings, LLC <br> and 4.54% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by MetLife International Holdings, LLC <br> and 4.54% is owned by Natiloportem Holdings, LLC.  |
| f) | &nbsp;&nbsp; MetLife Mas, S.A. de C.V. (Mexico) - 99.99964399% MetLife Mas, S.A. de C.V. is owned by MetLife <br> International Holdings, LLC and .00035601% is owned by International Technical and Advisory Services <br> Limited.  | &nbsp;&nbsp; MetLife Mas, S.A. de C.V. (Mexico) - 99.99964399% MetLife Mas, S.A. de C.V. is owned by MetLife <br> International Holdings, LLC and .00035601% is owned by International Technical and Advisory Services <br> Limited.  | &nbsp;&nbsp; MetLife Mas, S.A. de C.V. (Mexico) - 99.99964399% MetLife Mas, S.A. de C.V. is owned by MetLife <br> International Holdings, LLC and .00035601% is owned by International Technical and Advisory Services <br> Limited.  |
| g) | &nbsp;&nbsp; MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by MetLife International Holdings, LLC <br> and 0.001% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by MetLife International Holdings, LLC <br> and 0.001% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by MetLife International Holdings, LLC <br> and 0.001% is owned by Natiloportem Holdings, LLC.  |
| h) | &nbsp;&nbsp; MetLife Global Holdings LLC (DE) - 98.9% is owned by MetLife International Holdings, LLC and 1.1% is <br> owned by MetLife International Limited, LLC. MetLife Global Holdings LLC is a DE LLC and is considered <br> domiciled in Ireland from a tax perspective.  | &nbsp;&nbsp; MetLife Global Holdings LLC (DE) - 98.9% is owned by MetLife International Holdings, LLC and 1.1% is <br> owned by MetLife International Limited, LLC. MetLife Global Holdings LLC is a DE LLC and is considered <br> domiciled in Ireland from a tax perspective.  | &nbsp;&nbsp; MetLife Global Holdings LLC (DE) - 98.9% is owned by MetLife International Holdings, LLC and 1.1% is <br> owned by MetLife International Limited, LLC. MetLife Global Holdings LLC is a DE LLC and is considered <br> domiciled in Ireland from a tax perspective.  |
|  | (1) | &nbsp;&nbsp; Metropolitan Global Management, LLC (DE) - 99.7% is owned by MetLife Global Holdings LLC and <br> 0.3% is owned by MetLife International Holdings, LLC. Metropolitan Global Management, LLC is a DE <br> LLC and is considered domiciled in Ireland from a tax perspective.  | &nbsp;&nbsp; Metropolitan Global Management, LLC (DE) - 99.7% is owned by MetLife Global Holdings LLC and <br> 0.3% is owned by MetLife International Holdings, LLC. Metropolitan Global Management, LLC is a DE <br> LLC and is considered domiciled in Ireland from a tax perspective.  |
|  | (2) | &nbsp;&nbsp; Metropolitan Global Management, LLC (Ireland) - 99.7% is owned by MetLife Global Holdings LLC <br> (DE) and 0.3% is owned by MetLife International Holdings, LLC. Metropolitan Global Management, <br> LLC is a DE LLC and is considered domiciled in Ireland from a tax perspective.  | &nbsp;&nbsp; Metropolitan Global Management, LLC (Ireland) - 99.7% is owned by MetLife Global Holdings LLC <br> (DE) and 0.3% is owned by MetLife International Holdings, LLC. Metropolitan Global Management, <br> LLC is a DE LLC and is considered domiciled in Ireland from a tax perspective.  |
|  | (a) | MetLife Insurance Company of Korea, Ltd. (Republic of Korea)  | MetLife Insurance Company of Korea, Ltd. (Republic of Korea)  |
|  |  | i. | MetLife Financial Services, Co., Ltd. (South Korea)  |
|  | (b) | MetLife UK Management Company (Limited) (England/UK)  | MetLife UK Management Company (Limited) (England/UK)  |
|  |  | i. | &nbsp;&nbsp; MetLife, Life Insurance Company (Egypt) - 84.125% of MetLife, Life Insurance Company <br> (Egypt) is owned by MetLife UK Management Company Limited (England/UK) and the <br> remaining interest by third parties.  |
|  |  | ii. | PineBridge Investments Deutschland GmbH (Germany)  |
|  | (c) | &nbsp;&nbsp; MetLife Mexico Holdings, S. de R.L. de C.V. (Mexico) - 99.99995% is owned by Metropolitan <br> Global Management, LLC and .00005% is owned by MetLife International Holdings, LLC.  | &nbsp;&nbsp; MetLife Mexico Holdings, S. de R.L. de C.V. (Mexico) - 99.99995% is owned by Metropolitan <br> Global Management, LLC and .00005% is owned by MetLife International Holdings, LLC.  |
|  |  | i. | &nbsp;&nbsp; MetLife Mexico, S.A. de C.V. (Mexico) - 99.050271% is owned by MetLife Mexico Holdings, S. <br> de R.L. de C.V. and .949729% is owned by MetLife International Holdings, LLC.  |
|  |  | ii. | &nbsp;&nbsp; MetLife Pensiones Mexico S.A. (Mexico)- 97.5125% is owned by MetLife Mexico Holdings, S. <br> de R.L. de C.V. and 2.4875% is owned by MetLife International Holdings, LLC.  |
|  |  |  | &nbsp;&nbsp; ML Capacitacion Comercial S.A. de C.V. (Mexico) - 99.7% is owned by MetLife Global <br> Holdings LLC (DE) and 0.3% is owned by MetLife International Holdings, LLC.  |
|  |  | iii. | &nbsp;&nbsp; MetLife Mexico Servicios, S.A. de C.V. (Mexico) - 99.050271% is owned by MetLife Mexico <br> Holdings, S. de R.L. de C.V. and .949729% is owned by MetLife International Holdings, LLC.  |
|  |  | iv. | &nbsp;&nbsp; MetLife Regional Services, S.A. de C.V. (Mexico) - 99.999509% of MetLife Regional Services, <br> S.A. de C.V. (Mexico) is held by MetLife Mexico Holdings, S. de R.L. de C.V. and 0.000491% is <br> held by MetLife UK Management Company Limited (England/UK)  |
|  | (3) | MetLife Ireland Treasury d.a.c (Ireland)  | MetLife Ireland Treasury d.a.c (Ireland)  |
|  | (a) | MetLife General Insurance Limited (Australia)  | MetLife General Insurance Limited (Australia)  |
|  | (b) | &nbsp;&nbsp; MetLife Insurance Limited (Australia) - 91.16468% of MetLife Insurance Limited (Australia) is <br> owned by MetLife Ireland Treasury d.a.c and 8.83532% by MetLife Global Holdings Corp. S.A. de <br> C.V.  | &nbsp;&nbsp; MetLife Insurance Limited (Australia) - 91.16468% of MetLife Insurance Limited (Australia) is <br> owned by MetLife Ireland Treasury d.a.c and 8.83532% by MetLife Global Holdings Corp. S.A. de <br> C.V.  |
|  |  | i. | MetLife Services Pty Limited (Australia)  |
|  |  | ii. | MetLife Investments Pty Limited (Australia)  |
|  |  |  | &nbsp;&nbsp; MetLife Insurance and Investment Trust (Australia) - 91.16468% of MetLife Insurance <br> Limited (Australia) is owned by MetLife Ireland Treasury d.a.c. and 8.83532% by <br> MetLife Global Holdings LLC (DE).  |
| i) | &nbsp;&nbsp; AmMetLife Insurance Berhad (Malaysia) - 50.000002% of AmMetLife Insurance Berhad is owned by <br> MetLife International Holdings, LLC and the remainder by a third-party.  | &nbsp;&nbsp; AmMetLife Insurance Berhad (Malaysia) - 50.000002% of AmMetLife Insurance Berhad is owned by <br> MetLife International Holdings, LLC and the remainder by a third-party.  | &nbsp;&nbsp; AmMetLife Insurance Berhad (Malaysia) - 50.000002% of AmMetLife Insurance Berhad is owned by <br> MetLife International Holdings, LLC and the remainder by a third-party.  |

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|:---|:---|:---|:---|
|  |  | j) | &nbsp;&nbsp; AmMetLife Takaful Berhad (Malaysia) - 49.9999997% of AmMetLife Takaful Berhad is owned by MetLife <br> International Holdings, LLC and the remainder by a third-party.  |
|  |  | k) | MetLife Worldwide Holdings, LLC (DE)  |
|  |  | l) | &nbsp;&nbsp; Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil) - 66.662% is owned by MetLife International <br> Holdings, LLC, 33.337% is owned by MetLife Worldwide Holdings, LLC and 0.001% is owned by <br> Natiloportem Holdings, LLC.  |
|  |  | m) | &nbsp;&nbsp; PNB MetLife India Insurance Company Limited - 49.73117806% of PNB MetLife India Insurance Company <br> Limited is owned by MetLife International Holdings, LLC, 0.00000005% is owned by each of MetLife Global <br> Operations Support Center Private Limited and MetLife Services East Private Limited, and the remainder <br> by third parties.  |
|  |  | n) | &nbsp;&nbsp; MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) - 99.99998% of MetLife Adminis-<br> tradora de Fundos Multipatrocinados Ltda. is owned by MetLife International Holdings, LLC and 0.00002% <br> by Natiloportem Holdings, LLC.  |
| 5. | MetLife Global Holding Company III GbnH (Swiss)  | MetLife Global Holding Company III GbnH (Swiss)  | MetLife Global Holding Company III GbnH (Swiss)  |
|  | a. | MetLife Investment Management Limited (England/UK)  | MetLife Investment Management Limited (England/UK)  |
|  | b. | MetLife Innovation Center Limited (Ireland)  | MetLife Innovation Center Limited (Ireland)  |
|  | c. | MetLife Innovation Centre Pte. Ltd (Singapore)  | MetLife Innovation Centre Pte. Ltd (Singapore)  |
|  | d. | ALICO Operations LLC (DE)  | ALICO Operations LLC (DE)  |
|  |  | 1) | MetLife Seguors S.A (Uruguay)  |
|  |  | 2) | MetLife Asset Management Japan, Ltd.  |
|  | e. | MetLife Asia Services Sdn. Bhd (Malaysia)  | MetLife Asia Services Sdn. Bhd (Malaysia)  |
|  | f. | MetLife EU Holding Company Limited (Ireland)  | MetLife EU Holding Company Limited (Ireland)  |
|  |  | 1) | MetLife Services Cyprus Ltd (Cyprus)  |
|  |  | 2) | MetLife Solutions S.A.S. (France)  |
|  |  | 3) | Agenvita S.r.l. (Italy)  |
|  |  | a) | MetLife Services Sociead Limitada (Spain)  |
|  |  | b) | MetLife Europe d.a.c. (Ireland)  |
|  |  | 4) | MetLife Europe Insurance d.a.c.  |
|  |  | 5) | MetLife Europe Services Limited (Ireland)  |
|  |  | 6) | &nbsp;&nbsp; Metropolitan Life Societate de Administrare a unui Fond de Pensil Administrat Privat S.A. (Romania - <br> 99.9903% of Metropolitan Life Societate de Administrare a unui Fond de Pensii Administrat Privat S.A. is <br> owned by MetLife EU Holding Company Limited and 0.0097% by MetLife Europe Services Limited.  |
|  |  | 7) | MetLife UK Limited (UK)  |
|  |  | 8) | MetLife Investment Management Holdings (Ireland) Limited (Ireland)  |
|  |  | a) | MetLife Investments Asia Limited (Hong Kong)  |
|  |  | b) | MetLife Investments Limited (England/UK)  |
|  |  | c) | MetLife Latin America Asesorias e Inversiones Limitada 5 (CHL)  |
|  |  | d) | MetLife Investment Management Europe Limited (Ireland)  |
|  |  | e) | Affirmative Investment Management Partners Ltd (UK)  |
|  |  | f) | Affirmative Investment Management Australia Pty Ltd (Australia)  |
|  |  | g) | PineBridge Investments Latin America SpA (Chile)  |
|  |  | h) | PineBridge Investments Europe Limited (UK)  |
|  |  | i) | PineBridge Investments Holdings Europe Limited (UK)  |
|  |  |  | &nbsp;&nbsp; PineBridge Benson Elliot LLP (UK) 96% of PineBridge Benson Elliot LLP is owned by PineBridge <br> Investments Holding Europe Limited. The remaining 4% is owned by third-parties.  |

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| (a) | Benson Elliot Services Ltd (England)  | Benson Elliot Services Ltd (England)  | Benson Elliot Services Ltd (England)  | Benson Elliot Services Ltd (England)  |
| (b) | Benson Elliot GP (England) Limited (England)  | Benson Elliot GP (England) Limited (England)  | Benson Elliot GP (England) Limited (England)  | Benson Elliot GP (England) Limited (England)  |
| (c) | &nbsp;&nbsp; Benson Elliot GP (Scotland) Limited (Scotland) - Benson Elliot General Partner, LLP is the <br> general partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  | &nbsp;&nbsp; Benson Elliot GP (Scotland) Limited (Scotland) - Benson Elliot General Partner, LLP is the <br> general partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  | &nbsp;&nbsp; Benson Elliot GP (Scotland) Limited (Scotland) - Benson Elliot General Partner, LLP is the <br> general partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  | &nbsp;&nbsp; Benson Elliot GP (Scotland) Limited (Scotland) - Benson Elliot General Partner, LLP is the <br> general partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  |
|  | i. | &nbsp;&nbsp; Benson Elliot General Partner, LLP (England) - 100% of the voting interests of Benson Elliot <br> General Partner, LLP is held by Benson Elliot GP (England) Limited. 99% of Benson Elliot <br> General Partner, LLP is owned by Benson Elliot GP (Scotland) Limited and 1% is owned by <br> Benson Elliot GP (England) Limited.  | &nbsp;&nbsp; Benson Elliot General Partner, LLP (England) - 100% of the voting interests of Benson Elliot <br> General Partner, LLP is held by Benson Elliot GP (England) Limited. 99% of Benson Elliot <br> General Partner, LLP is owned by Benson Elliot GP (Scotland) Limited and 1% is owned by <br> Benson Elliot GP (England) Limited.  | &nbsp;&nbsp; Benson Elliot General Partner, LLP (England) - 100% of the voting interests of Benson Elliot <br> General Partner, LLP is held by Benson Elliot GP (England) Limited. 99% of Benson Elliot <br> General Partner, LLP is owned by Benson Elliot GP (Scotland) Limited and 1% is owned by <br> Benson Elliot GP (England) Limited.  |
|  |  | 1) | Benson Elliot GP, L.P. (Scotland)  | Benson Elliot GP, L.P. (Scotland)  |
|  |  |  | i) | &nbsp;&nbsp; Bensell Special Limited Partner, L.P. (Scotland) - Benson Elliot GP, L.P. is the <br> general partner of Bensell Special Limited Partner, L.P. (the "Fund"). 68.50% of the <br> limited partnership interests of Fund are held by employees and 31.50% by Benson <br> Elliot Services Limited.  |
|  |  |  | ii) | &nbsp;&nbsp; Bensell US Feeder. L.P. (Scotland) - Benson Elliot GP, L.P. is the general partner of <br> Bensell US Feeder. L.P. (the "Funds"). 100% of the limited partnership interests of <br> the Fund are held by third parties.  |
|  |  |  |  | Lakey Corp S.à r.l. (Luxembourg)  |
|  |  |  | iii) | &nbsp;&nbsp; Benson Elliot Real Estate Partners II, L.P. (England) - Benson Elliot GP, L.P. is the <br> general partner of Benson Elliot Real Estate Partners II, L.P. (the "Fund"). 89.96% <br> of the limited partnership interests of the Fund are held third parties; 7.84% are <br> held by Bensell US Feeder, L.P.; 1.12% are held by Bensell Strategic Partners, L.P.; <br> and 0.89% are held by Bensell Special Limited Partner, L.P.  |
|  |  |  | iv) | &nbsp;&nbsp; Benson Elliot Strategic Partners, L.P. (Scotland) - Benson Elliot GP, L.P. is the <br> general partner of Benson Elliot Strategic Partners, L.P. (the "Fund"). 100% the <br> limited partnership interests of the Fund are held by third parties.  |
|  |  | 2) | &nbsp;&nbsp; Benson Elliot GP III, L.P. (Scotland) - Benson Elliot General Partner, LLP is the general <br> partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  | &nbsp;&nbsp; Benson Elliot GP III, L.P. (Scotland) - Benson Elliot General Partner, LLP is the general <br> partner of Benson Elliot GP, L.P. (the "Fund"). 100% the limited partnership interests of <br> the Fund are held by Benson Elliot Services Ltd.  |
|  |  |  | i) | &nbsp;&nbsp; Bensell Special Limited Partner III, L.P. (Scotland) - Benson Elliot GP III, L.P. is <br> the general partner of Bensell Special Limited Partner III, L.P. (the "Fund"). 100% <br> of the limited partnership interests of the Fund are held by Bensell Co-Invest III, <br> L.P.  |
|  |  |  | ii) | &nbsp;&nbsp; Bensell US Feeder III. L.P. (Scotland) - Benson Elliot GP III, L.P. is the general <br> partner of Bensell US Feeder III. L.P. (the "Fund"). 100% of the limited partnership <br> interests of are the Fund held by third parties.  |
|  |  |  | iii) | &nbsp;&nbsp; Benson Elliot Real Estate Partners III, L.P. (England) - Benson Elliot GP III, L.P. is <br> the general partner of Benson Elliot Real Estate Partners III, L.P. (the "Fund"). <br> 84.19% of the limited partnership interests of the Fund are held by third parties; <br> 14.61% are held by Bensell US Feeder III, L.P.; 0.21% are held by Bensell Strategic <br> Partners III, L.P.; and 0.99% are held by Bensell Special Limited Partner III, L.P.  |
|  |  |  |  | Cooperatie Bensell Real Estate Investment III B.A. (Netherlands)  |
|  |  |  | iv) | &nbsp;&nbsp; Benson Elliot Strategic Partners III, L.P. (Scotland) - Benson Elliot GP III, L.P. is <br> the general partner of Benson Elliot Strategic Partners III, L.P. (the ""Fund""). <br> 100% limited partnership interests of the Fund are held by third parties.  |
|  | ii. | Benson Elliot GP (England) Limited (England)  | Benson Elliot GP (England) Limited (England)  | Benson Elliot GP (England) Limited (England)  |
|  |  | 1) | &nbsp;&nbsp; Benson Elliot GP IV, LLP (England) - 99% of Benson Elliot GP IV, LLP is owned by <br> Benson Elliot GP (England) Limited and 1% is owned by Benson Elliot GP (Scotland) <br> Limited  | &nbsp;&nbsp; Benson Elliot GP IV, LLP (England) - 99% of Benson Elliot GP IV, LLP is owned by <br> Benson Elliot GP (England) Limited and 1% is owned by Benson Elliot GP (Scotland) <br> Limited  |
|  |  |  | i) | &nbsp;&nbsp; Bensell Carry IV, L.P. (Scotland) - Benson Elliot GP IV, LLP is the general partner <br> of Bensell Carry IV, L.P. (the "Fund"). 90.10% of the limited partnership interests of <br> Fund are held by employees and 9.90% by Benson Elliot Services Limited.  |

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|:---|:---|
| ii) | &nbsp;&nbsp; Bensell Co-Invest, IV L.P. (Scotland) - Benson Elliot GP IV, LLP is the general <br> partner of Bensell Co-Invest, IV L.P. (the "Fund"). 100% of the limited partnership <br> interests of Fund are held by employees.  |
| iii) | &nbsp;&nbsp; Bensell IV C.V. (Netherlands) - Benson Elliot GP IV, LLP is the general partner of <br> Bensell IV C.V. (the "Fund"). 71.81% of the limited partnership interests of the <br> Fund are held by Benson Elliot Real Estate Partners IV, L.P. and 28.19% are held by <br> Benson Elliot Real Estate Partners IV-B, L.P.  |
|  | Cooperatie Bensell Real Estate Investment IV B.A. (Netherlands)  |
| iv) | &nbsp;&nbsp; Bensell Special Limited Partner IV, L.P. (Scotland) - Benson Elliot GP IV, LLP is <br> the general partner of Bensell Special Limited Partner IV, L.P. (the "Fund"). 100% <br> of the limited partnership interests of the Fund are held by Bensell Co-Invest IV, <br> L.P.  |
| v) | &nbsp;&nbsp; Bensell US Feeder IV. L.P. (Scotland) - Benson Elliot GP IV, LLP is the general <br> partner of Bensell US Feeder IV. L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by third parties.  |
| vi) | &nbsp;&nbsp; Bensell US Feeder IV-B. L.P. (Scotland) - Benson Elliot GP IV, LLP is the general <br> partner of Bensell US Feeder IV-B. L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
| vii) | &nbsp;&nbsp; Bensell V C.V. (Netherlands) Benson Elliot GP IV, LLP is the general partner of <br> Bensell V C.V. (the "Fund"). 65.30% of the limited partnership interests of the Fund <br> are held by Benson Elliot Real Estate Partners V, L.P. and 34.70% are held by <br> Benson Elliot Real Estate Partners V-B, L.P. -  |
|  | Cooperatie Bensell Real Estate Investment V B.A. (Netherlands)  |
| viii) | &nbsp;&nbsp; Benson Elliot Real Estate Partners IV, L.P. (England) - Benson Elliot GP IV, LLP is <br> the general partner of Benson Elliot Real Estate Partners IV, L.P. (the "Fund"). <br> 66.29% of the limited partnership interests of the Fund are held by third parties; <br> 31.83% are held by Bensell US Feeder IV, L.P.; 0.40% are held by Bensell Strategic <br> Partners IV, L.P.; and 1.48% are held by Bensell Special Limited Partner IV, L.P.  |
| ix) | &nbsp;&nbsp; Benson Elliot Real Estate Partners IV-B, L.P. (England) - Benson Elliot GP IV, LLP <br> is the general partner of Benson Elliot Real Estate Partners IV-B, L.P. (the <br> "Fund"). 61.89% of the limited partnership interests of the Fund are held by third <br> parties; 36.63% are held by Bensell US Feeder IV-B, L.P.; and 1.48% are held by <br> Bensell Special Limited Partner IV, L.P.  |
| x) | &nbsp;&nbsp; Benson Elliot Strategic Partners IV, L.P. (Scotland) - Benson Elliot GP IV, LLP is <br> the general partner of Benson Elliot Strategic Partners IV, L.P. (the "Fund"). 100% <br> the limited partnership interests of the Fund are held by third parties.  |
| xi) | &nbsp;&nbsp; Host Special Limited Partner, L.P. (Scotland) - Benson Elliot GP IV, LLP is the <br> general partner of Host Special Limited Partner, L.P. (the "Fund"). 45% of the <br> limited partnership interests of the Fund are held by employees and 55% by <br> Benson Elliot Services Limited.  |
| xii) | &nbsp;&nbsp; PBBE SIX CO-INVEST A LP (England) - Benson Elliot GP IV, LLP is the general <br> partner of PBBE SIX CO-INVEST A LP (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
| xiii) | &nbsp;&nbsp; PBBE SIX CO-INVEST B LP (England) - Benson Elliot GP IV, LLP is the general <br> partner of PBBE SIX CO-INVEST B LP (the "Fund"). 95.00% limited partnership <br> interests of the Fund are held by third parties; 2.50% are held by PineBridge <br> Secondary Partners IV, SLP.; and 2.50% are held by PineBridge Secondary Partners <br> V, SLP.  |
| xiv) | &nbsp;&nbsp; PBBE SIX SPECIAL LIMITED PARTNER LP (England) - Benson Elliot GP IV, LLP <br> is the general partner of PBBE SIX SPECIAL LIMITED PARTNER LP (the "Fund"). <br> 95.65% of the limited partnership interests of the Fund are held by employees and <br> 4.35% are held by Benson Elliot Services Limited.  |

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|:---|:---|:---|:---|:---|
|  |  | iii. | &nbsp;&nbsp; Benson Elliot GP V, LLP (England) - 99% of Benson Elliot GP V, LLP is owned by Benson <br> Elliot GP (Scotland) Limited and 1% is owned by Benson Elliot GP (England) Limited.  | &nbsp;&nbsp; Benson Elliot GP V, LLP (England) - 99% of Benson Elliot GP V, LLP is owned by Benson <br> Elliot GP (Scotland) Limited and 1% is owned by Benson Elliot GP (England) Limited.  |
|  |  |  | 1) | &nbsp;&nbsp; Bensell Carry V, L.P. (Scotland) - Benson Elliot GP V, LLP is the general partner or <br> Bensell Carry V, L.P. (the "Fund"). 81.45% of the limited partnership interests of Fund <br> are held by employees and 18.55% by Benson Elliot Services Limited.  |
|  |  |  | 2) | &nbsp;&nbsp; Bensell Co-Invest, V L.P. (Scotland) - Benson Elliot GP V, LLP is the general partner of <br> Bensell Co-Invest, V L.P. (the "Fund"). 92.67% of the limited partnership interests of <br> Fund are held by employees and 7.33% by Benson Elliot Services Limited.  |
|  |  |  | 3) | &nbsp;&nbsp; Bensell Special Limited Partner V, L.P. (Scotland) - Benson Elliot GP V, LLP is the <br> general partner of Bensell Special Limited Partner V, L.P. (the "Fund"). 100% of the <br> limited partnership interests of Fund are held by Bensell Co-Invest V, L.P.  |
|  |  |  | 4) | &nbsp;&nbsp; Bensell US Feeder V. L.P. (Scotland) - Benson Elliot GP V, LLP is the general partner of <br> Bensell US Feeder V. L.P. (the "Fund"). 100% of the limited partnership interests of <br> Fund are held by third parties.  |
|  |  |  | 5) | &nbsp;&nbsp; Bensell US Feeder V-B. L.P. (Scotland) - Benson Elliot GP V, LLP is the general partner <br> of Bensell US Feeder V-B. L.P. (the "Fund"). 100% of the limited partnership interests of <br> the Fund are held by third parties.  |
|  |  |  | 6) | &nbsp;&nbsp; Benson Elliot Real Estate Partners V, L.P. (England) - Benson Elliot GP V, LLP is the <br> general partner of Benson Elliot Real Estate Partners V, L.P. (the "Fund"). 80.43% the <br> limited partnership interests are held by third parties; 17.76% areheld by Bensell US <br> Feeder V, L.P.; 0.37% are held by Bensell Strategic Partners V, L.P.; and 1.44% are held <br> by Bensell Special Limited Partner V, L.P.  |
|  |  |  | 7) | &nbsp;&nbsp; Benson Elliot Real Estate Partners V-B, L.P. (England) - Benson Elliot GP V, LLP is the <br> general partner of Benson Elliot Real Estate Partners V-B, L.P. (the "Fund"). 37.56% of <br> the limited partnership interests of the Fund are held by third parties; 61.00% are held <br> by Bensell US Feeder V-B, L.P.; and 1.44% are held by Bensell Special Limited Partner V, <br> L.P.  |
|  |  |  | 8) | &nbsp;&nbsp; Benson Elliot Strategic Partners V, L.P. (Scotland) - " Benson Elliot GP V, LLP is the <br> general partner of Benson Elliot Strategic Partners V, L.P. (the ""Fund"). 100% the <br> limited partnership interests of the Fund are held by third parties.  |
|  | (d) | PBBE GP VI S.à r.l. (Luxembourg)  | PBBE GP VI S.à r.l. (Luxembourg)  | PBBE GP VI S.à r.l. (Luxembourg)  |
|  |  | i. | &nbsp;&nbsp; Bensell Feeder VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the general partner of Bensell <br> Feeder VI SCSp (the "Fund"). 100% of the limited partner interests of the Fund are owned <br> by third parties.  | &nbsp;&nbsp; Bensell Feeder VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the general partner of Bensell <br> Feeder VI SCSp (the "Fund"). 100% of the limited partner interests of the Fund are owned <br> by third parties.  |
|  |  | ii. | &nbsp;&nbsp; Bensell Special Limited Partner VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the general <br> partner of the Bensell Special Limited Partner VI SCSp (the "Fund"). 80% of the limited <br> partner interests in Bensell Special Limited Partner VI SCSp are held by third parties and <br> 20% by PineBridge Investments Holdings US LLC.  | &nbsp;&nbsp; Bensell Special Limited Partner VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the general <br> partner of the Bensell Special Limited Partner VI SCSp (the "Fund"). 80% of the limited <br> partner interests in Bensell Special Limited Partner VI SCSp are held by third parties and <br> 20% by PineBridge Investments Holdings US LLC.  |
|  |  | iii. | &nbsp;&nbsp; Benson Elliot Real Estate Partners VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the <br> general partner of Benson Elliot Real Estate Partners VI SCSp (the "Fund"). 55.31% limited <br> partnership interests of the Fund are held by third parties; 41.78% are held by Bensell <br> Feeder VI, SCSp; and 2.91% are held by Bensell Special Limited Partner VI, SCSp.  | &nbsp;&nbsp; Benson Elliot Real Estate Partners VI SCSp (Luxembourg) - PBBE GP VI S.à r.l. is the <br> general partner of Benson Elliot Real Estate Partners VI SCSp (the "Fund"). 55.31% limited <br> partnership interests of the Fund are held by third parties; 41.78% are held by Bensell <br> Feeder VI, SCSp; and 2.91% are held by Bensell Special Limited Partner VI, SCSp.  |
| j) | PineBridge Investments Holdings Hong Kong Limited (Hong Kong)  | PineBridge Investments Holdings Hong Kong Limited (Hong Kong)  | PineBridge Investments Holdings Hong Kong Limited (Hong Kong)  | PineBridge Investments Holdings Hong Kong Limited (Hong Kong)  |
|  | (1) | PineBridge Asian Enhanced Income Fund 1 (CYM)  | PineBridge Asian Enhanced Income Fund 1 (CYM)  | PineBridge Asian Enhanced Income Fund 1 (CYM)  |
|  | (2) | PineBridge Investments Holdings (Gibraltar) No. 1 Limited (Gibralter)  | PineBridge Investments Holdings (Gibraltar) No. 1 Limited (Gibralter)  | PineBridge Investments Holdings (Gibraltar) No. 1 Limited (Gibralter)  |
|  | (3) | PineBridge Investments Holdings Limited Sàrl (Luxembourg)  | PineBridge Investments Holdings Limited Sàrl (Luxembourg)  | PineBridge Investments Holdings Limited Sàrl (Luxembourg)  |
|  | (a) | PineBridge Investments Canada Inc. (Canada)  | PineBridge Investments Canada Inc. (Canada)  | PineBridge Investments Canada Inc. (Canada)  |
|  | (b) | PineBridge Investments Ireland Limited (Ireland)  | PineBridge Investments Ireland Limited (Ireland)  | PineBridge Investments Ireland Limited (Ireland)  |
|  |  | i.  | PineBridge Investments GF Mauritius Limited (Mauritius)  | PineBridge Investments GF Mauritius Limited (Mauritius)  |
|  | (c) | PineBridge Investments Switzerland GmbH (Switzerland)  | PineBridge Investments Switzerland GmbH (Switzerland)  | PineBridge Investments Switzerland GmbH (Switzerland)  |

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|:---|:---|:---|:---|:---|:---|:---|
|  |  |  | k) | PineBridge Investments Holdings Singapore Private Limited (Singapore)  | PineBridge Investments Holdings Singapore Private Limited (Singapore)  | PineBridge Investments Holdings Singapore Private Limited (Singapore)  |
|  |  |  |  | (1) | PineBridge Investments Asia Limited (Bermuda)  | PineBridge Investments Asia Limited (Bermuda)  |
|  |  |  |  |  | (a) | &nbsp;&nbsp; AOF Staff Fund Limited (CYM) - 100% of the voting securities of AOF Staff Fund Limited is <br> owned by PineBridge Investments Asia Limited. 60.61% of the non-voting securities of AOF Staff <br> Fund Limited is owned by PineBridge Investments Holdings Hong Kong Limited and 39.39% of <br> the non-voting securities is held by third parties.  |
|  |  |  |  |  | (b) | PineBridge Asia Partners II G.P. Limited (CYM)  |
|  |  |  |  |  |  | &nbsp;&nbsp; PineBridge Asia Partners II G.P., L.P. (CYM) - PineBridge Asia Partners II G.P. Limited is the <br> general partner of PineBridge Asia Partners II G.P., L.P. (the "Fund GP"). 50.07% of the <br> limited partnership interests of the Fund GP are held by third parties. 0.25% of the limited <br> partnership interests of the Fund GP are held by PineBridge Asia Partners II G.P. Limited, <br> and 49.68% of the limited partnership interests of the Fund GP are held by employees.  |
|  |  |  |  |  |  | &nbsp;&nbsp; PineBridge Asia Partners II, L.P (CYM) - PineBridge Asia Partners II G.P., L.P. is the <br> general partner of PineBridge Asia Partners II, L.P. (the "Fund"). The following <br> affiliates hold limited partnership interests of the Fund: PineBridge Asia Parnters II <br> G.P., L.P. holds 0.97% and PineBridge Asia Partners II, L.P. holds 99.03%.  |
|  |  |  |  |  | (c) | PineBridge Asia Partners II, Limited (CYM)  |
|  |  |  |  |  | (d) | PineBridge Investments Hong Kong Limited (Hong Kong)  |
|  |  |  |  |  | (e) | PineBridge Investments Management Taiwan Limited (Taiwan)  |
|  |  |  |  | (2) | &nbsp;&nbsp; PineBridge Investments Capital India Private Limited (India) - 92.05 % of Pinebridge Investments <br> Capital India Private Limited is owned by PineBridge Investments Japan Co., Ltd. and 7.95% is owned <br> by PineBridge Investments Holdings Singapore Private Limited.  | &nbsp;&nbsp; PineBridge Investments Capital India Private Limited (India) - 92.05 % of Pinebridge Investments <br> Capital India Private Limited is owned by PineBridge Investments Japan Co., Ltd. and 7.95% is owned <br> by PineBridge Investments Holdings Singapore Private Limited.  |
|  |  |  |  |  | (a) | &nbsp;&nbsp; PineBridge India Private Limited - 99.9999% of PineBridge India Private Limited is owned by <br> PineBridge Investments Capital India Private Limited and 0.0001% is owned by PineBridge <br> Investments Japan Co., Ltd.  |
|  |  |  |  | (3) | PineBridge Investments Japan Co., Ltd. (Japan)  | PineBridge Investments Japan Co., Ltd. (Japan)  |
|  |  |  |  |  | (a) | &nbsp;&nbsp; PineBridge India Private Limited (India) - 99.9999% of PineBridge India Private Limited is <br> owned by PineBridge Investments Capital India Private Limited and 0.0001% is owned by <br> PineBridge Investments Japan Co., Ltd.  |
|  |  |  |  |  | (b) | &nbsp;&nbsp; PineBridge Investments Capital India Private Limited (India) - 92.05 % of Pinebridge <br> Investments Capital India Private Limited is owned by PineBridge Investments Japan Co., Ltd. <br> and 7.95% is owned by PineBridge Investments Holdings Singapore Private Limited.  |
|  |  |  |  | (4) | PineBridge Investments Malaysia Sdn Bhd (Malaysia)  | PineBridge Investments Malaysia Sdn Bhd (Malaysia)  |
|  |  |  |  | (5) | PineBridge Investments Singapore Limited (Singapore)  | PineBridge Investments Singapore Limited (Singapore)  |
|  |  |  |  |  | (a) | PineBridge Select Funds VCC (Singapore)  |
|  | 6. | &nbsp;&nbsp; ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned by American Life Insurance Company and the <br> remaining interest by third parties.  | &nbsp;&nbsp; ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned by American Life Insurance Company and the <br> remaining interest by third parties.  | &nbsp;&nbsp; ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned by American Life Insurance Company and the <br> remaining interest by third parties.  | &nbsp;&nbsp; ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned by American Life Insurance Company and the <br> remaining interest by third parties.  | &nbsp;&nbsp; ALICO Properties, Inc. (DE) - 51% of ALICO Properties, Inc. is owned by American Life Insurance Company and the <br> remaining interest by third parties.  |
|  |  | a. | Global Properties, Inc. (DE)  | Global Properties, Inc. (DE)  | Global Properties, Inc. (DE)  | Global Properties, Inc. (DE)  |
|  | 7. | International Technical and Advisory Services Limited (DE)  | International Technical and Advisory Services Limited (DE)  | International Technical and Advisory Services Limited (DE)  | International Technical and Advisory Services Limited (DE)  | International Technical and Advisory Services Limited (DE)  |
|  | 8.  | &nbsp;&nbsp; Klimber Latam Corp. (DE) - ALICO owns a 20% interest in the shares of Klimber Latam Corp. on a fully diluted basis. The <br> remaining shares are held by third parties.  | &nbsp;&nbsp; Klimber Latam Corp. (DE) - ALICO owns a 20% interest in the shares of Klimber Latam Corp. on a fully diluted basis. The <br> remaining shares are held by third parties.  | &nbsp;&nbsp; Klimber Latam Corp. (DE) - ALICO owns a 20% interest in the shares of Klimber Latam Corp. on a fully diluted basis. The <br> remaining shares are held by third parties.  | &nbsp;&nbsp; Klimber Latam Corp. (DE) - ALICO owns a 20% interest in the shares of Klimber Latam Corp. on a fully diluted basis. The <br> remaining shares are held by third parties.  | &nbsp;&nbsp; Klimber Latam Corp. (DE) - ALICO owns a 20% interest in the shares of Klimber Latam Corp. on a fully diluted basis. The <br> remaining shares are held by third parties.  |
| F. | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  | &nbsp;&nbsp; MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance <br> Company ("ALICO"), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by <br> Natiloportem Holdings, LLC.  |
|  | 1. | &nbsp;&nbsp; MetLife Chile Seguros de Vida S.A. (CHL) - 99.997% is held by MetLife Chile Inversiones Limitada and 0.003% by <br> International Technical and Advisory Services Limited.  | &nbsp;&nbsp; MetLife Chile Seguros de Vida S.A. (CHL) - 99.997% is held by MetLife Chile Inversiones Limitada and 0.003% by <br> International Technical and Advisory Services Limited.  | &nbsp;&nbsp; MetLife Chile Seguros de Vida S.A. (CHL) - 99.997% is held by MetLife Chile Inversiones Limitada and 0.003% by <br> International Technical and Advisory Services Limited.  | &nbsp;&nbsp; MetLife Chile Seguros de Vida S.A. (CHL) - 99.997% is held by MetLife Chile Inversiones Limitada and 0.003% by <br> International Technical and Advisory Services Limited.  | &nbsp;&nbsp; MetLife Chile Seguros de Vida S.A. (CHL) - 99.997% is held by MetLife Chile Inversiones Limitada and 0.003% by <br> International Technical and Advisory Services Limited.  |
|  |  | a. | &nbsp;&nbsp; MetLife Chile Administradora de Mutuos Hipotecarios S.A. (CHL) - 99.9% is held by MetLife Chile Seguros de Vida <br> S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.  | &nbsp;&nbsp; MetLife Chile Administradora de Mutuos Hipotecarios S.A. (CHL) - 99.9% is held by MetLife Chile Seguros de Vida <br> S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.  | &nbsp;&nbsp; MetLife Chile Administradora de Mutuos Hipotecarios S.A. (CHL) - 99.9% is held by MetLife Chile Seguros de Vida <br> S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.  | &nbsp;&nbsp; MetLife Chile Administradora de Mutuos Hipotecarios S.A. (CHL) - 99.9% is held by MetLife Chile Seguros de Vida <br> S.A. and 0.1% is held by MetLife Chile Inversiones Limitada.  |

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|:---|:---|:---|:---|:---|
|  | 2. | &nbsp;&nbsp; Inversiones MetLife Holdco Tres Limitada (CHL) - 97.13% of Inversiones MetLife Holdco Tres Limitada is owned by <br> MetLife Chile Inversiones Limitada and 2.87% is owned by Inversiones MetLife Holdco Dos Limitada.  | &nbsp;&nbsp; Inversiones MetLife Holdco Tres Limitada (CHL) - 97.13% of Inversiones MetLife Holdco Tres Limitada is owned by <br> MetLife Chile Inversiones Limitada and 2.87% is owned by Inversiones MetLife Holdco Dos Limitada.  | &nbsp;&nbsp; Inversiones MetLife Holdco Tres Limitada (CHL) - 97.13% of Inversiones MetLife Holdco Tres Limitada is owned by <br> MetLife Chile Inversiones Limitada and 2.87% is owned by Inversiones MetLife Holdco Dos Limitada.  |
|  |  | a. | &nbsp;&nbsp; AFP Provida S.A. (CHL) - 42.3815% of AFP Provida S.A. is owned by Inversiones MetLife Holdco Dos Limitada, <br> 42.3815% is owned by Inversiones MetLife Holdco Tres Limitada, 10.9224% is owned by MetLife Chile Inversiones <br> Limitada and the remainder is owned by the public.  | &nbsp;&nbsp; AFP Provida S.A. (CHL) - 42.3815% of AFP Provida S.A. is owned by Inversiones MetLife Holdco Dos Limitada, <br> 42.3815% is owned by Inversiones MetLife Holdco Tres Limitada, 10.9224% is owned by MetLife Chile Inversiones <br> Limitada and the remainder is owned by the public.  |
|  |  | b. | &nbsp;&nbsp; Provida Internacional S.A. (CHL) - 99.99% of Provida Internacional S.A. is owned by AFP Provida S.A and 0.01% is <br> owned by MetLife Chile Inversiones Limitada.  | &nbsp;&nbsp; Provida Internacional S.A. (CHL) - 99.99% of Provida Internacional S.A. is owned by AFP Provida S.A and 0.01% is <br> owned by MetLife Chile Inversiones Limitada.  |
|  |  | c. | &nbsp;&nbsp; AFP Genesis Administradora de Fondos y Fidecomisos S.A. (Ecuador) - 99.9% of AFP Genesis Administradora de <br> Fondos y Fidecomisos S.A. is owned by Provida Internacional S.A. and 0.1% by MetLife Chile Inversiones Limitada  | &nbsp;&nbsp; AFP Genesis Administradora de Fondos y Fidecomisos S.A. (Ecuador) - 99.9% of AFP Genesis Administradora de <br> Fondos y Fidecomisos S.A. is owned by Provida Internacional S.A. and 0.1% by MetLife Chile Inversiones Limitada  |
|  | 3. | &nbsp;&nbsp; MetLife Chile Seguros Generales, S.A. (CHL) - 99.99% of MetLife Chile Seguros Generales S.A. is owned by MetLife Chile <br> Inversiones Limitada and 0.01% is owned by Inversiones MetLife Holdco Dos Limitada.  | &nbsp;&nbsp; MetLife Chile Seguros Generales, S.A. (CHL) - 99.99% of MetLife Chile Seguros Generales S.A. is owned by MetLife Chile <br> Inversiones Limitada and 0.01% is owned by Inversiones MetLife Holdco Dos Limitada.  | &nbsp;&nbsp; MetLife Chile Seguros Generales, S.A. (CHL) - 99.99% of MetLife Chile Seguros Generales S.A. is owned by MetLife Chile <br> Inversiones Limitada and 0.01% is owned by Inversiones MetLife Holdco Dos Limitada.  |
| G. | MetLife Global, Inc. (DE)  | MetLife Global, Inc. (DE)  | MetLife Global, Inc. (DE)  | MetLife Global, Inc. (DE)  |
| H. | MetLife Investment Management Holdings, LLC (DE)  | MetLife Investment Management Holdings, LLC (DE)  | MetLife Investment Management Holdings, LLC (DE)  | MetLife Investment Management Holdings, LLC (DE)  |
|  | 1. | MetLife Real Estate Lending LLC (DE)  | MetLife Real Estate Lending LLC (DE)  | MetLife Real Estate Lending LLC (DE)  |
|  | 2. | &nbsp;&nbsp; ML Venture 1 Manager, S. de R.L. de C.V. (MEX) - 99.9% is owned by MetLife Investment Management Holdings, LLC and <br> 0.1% is owned by MetLife Investment Management Holdings (Ireland) Limited.  | &nbsp;&nbsp; ML Venture 1 Manager, S. de R.L. de C.V. (MEX) - 99.9% is owned by MetLife Investment Management Holdings, LLC and <br> 0.1% is owned by MetLife Investment Management Holdings (Ireland) Limited.  | &nbsp;&nbsp; ML Venture 1 Manager, S. de R.L. de C.V. (MEX) - 99.9% is owned by MetLife Investment Management Holdings, LLC and <br> 0.1% is owned by MetLife Investment Management Holdings (Ireland) Limited.  |
|  | 3. | ML Venture 1 Servicer, LLC (DE)  | ML Venture 1 Servicer, LLC (DE)  | ML Venture 1 Servicer, LLC (DE)  |
|  | 4. | MetLife Investment Management, LLC (DE)  | MetLife Investment Management, LLC (DE)  | MetLife Investment Management, LLC (DE)  |
|  |  | a. | MIM I LLC (PA)  | MIM I LLC (PA)  |
|  |  | b. | MIM MetWest International Manager, LLC (DE)  | MIM MetWest International Manager, LLC (DE)  |
|  |  | c. | MIM ML-AI Venture 5 Manager, LLC (DE)  | MIM ML-AI Venture 5 Manager, LLC (DE)  |
|  |  | d. | MIM Clal General Partner, LLC (DE)  | MIM Clal General Partner, LLC (DE)  |
|  |  | e. | MLIA Manager I, LLC (DE)  | MLIA Manager I, LLC (DE)  |
|  |  | f. | MetLife Alternatives GP, LLC (DE)  | MetLife Alternatives GP, LLC (DE)  |
|  |  |  | 1) | &nbsp;&nbsp; MetLife International HF Partners, LP (CYM) - 90.30% of the Limited partnership interests of this entity is <br> owned by MetLife Insurance K.K. (Japan) and 9.70% is owned by MetLife Insurance Company of Korea Limited.  |
|  |  |  | 2) | &nbsp;&nbsp; MetLife International PE Fund III, LP (CYM) - 92.09% of the limited partnership interests of MetLife <br> International PE Fund III, LP is owned by MetLife Insurance K.K. (Japan) and 7.91% is owned by MetLife <br> Insurance Company of Korea Limited.  |
|  |  |  | 3) | &nbsp;&nbsp; MetLife International PE Fund IV, LP (CYM) - 96.21% of the limited partnership interests of MetLife <br> International PE Fund IV, LP is owned by MetLife Insurance K.K. (Japan) and 3.79% is owned by MetLife <br> Insurance Company of Korea Limited.  |
|  |  |  | 4) | &nbsp;&nbsp; MetLife International PE Fund V, LP (CYM) - 96.73% of the Limited partnership interests of this entity is <br> owned by MetLife Insurance K.K. (Japan) and the remaining 3.27% is owned by MetLife Insurance Company of <br> Korea.  |
|  |  |  | 5) | &nbsp;&nbsp; MetLife International PE Fund VI, LP (CYM) - 96.53% of the Limited partnership interests of this entity is <br> owned by MetLife Insurance K.K. (Japan) and the remaining 3.47% is owned by MetLife Insurance Company of <br> Korea.  |
|  |  |  | 6) | &nbsp;&nbsp; MetLife International PE Fund VII, LP (CYM) - MetLife Alternatives GP, LLC is the general partner of MetLife <br> International PE Fund VII, LP. MetLife Insurance K.K. (Japan) is the sole limited partner.  |
|  |  |  | 7) | MetLife International PE Fund VIII, LP (CYM)  |
|  |  |  | 8) | &nbsp;&nbsp; MetLife International PE Fund IX, LP (CYM) - MetLife Alternatives GP delegated the management of MetLife <br> International PE Fund IX, LP to MetLife Investment Management, LLC.  |
|  |  | g. | MLIA Park Tower Manager, LLC (DE)  | MLIA Park Tower Manager, LLC (DE)  |
|  |  | h. | MetLife 425 MKT Manager, LLC (DE)  | MetLife 425 MKT Manager, LLC (DE)  |
|  |  | i. | ML Navy Yard Member, LLC (DE)  | ML Navy Yard Member, LLC (DE)  |
|  |  | j. | ML 335 8th PE Member, LLC (DE)  | ML 335 8th PE Member, LLC (DE)  |

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|:---|:---|:---|:---|
| k. | 1350 Eye Street Manager, LLC (DE)  | 1350 Eye Street Manager, LLC (DE)  | 1350 Eye Street Manager, LLC (DE)  |
| l. | MetLife Core Property Fund GP, LLC (DE)  | MetLife Core Property Fund GP, LLC (DE)  | MetLife Core Property Fund GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MCPF Feeder A, LP (CYM) - MetLife Core Property Fund GP, LLC is the general partner of MCPF Feeder A, LP <br> (the "Fund"). The limited partnership interests in the Fund are held exclusively by third parties. The Fund <br> invests all of its assets in the MetLife Core Property Fund, LP.  | &nbsp;&nbsp; MCPF Feeder A, LP (CYM) - MetLife Core Property Fund GP, LLC is the general partner of MCPF Feeder A, LP <br> (the "Fund"). The limited partnership interests in the Fund are held exclusively by third parties. The Fund <br> invests all of its assets in the MetLife Core Property Fund, LP.  |
|  | 2) | &nbsp;&nbsp; MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund GP, LLC is the general partner of MetLife <br> Core Property Fund, LP (the "Fund"). A substantial majority of the limited partnership interests in the Fund <br> are held by third parties. The following affiliates hold limited partnership interests in the Fund: Metropolitan <br> Life Insurance Company owns 14.40%, Metropolitan Life Insurance Company (on behalf of Separate Account <br> 746) owns 2.09%, MetLife Insurance Company of Korea Limited owns 1.52%, MetLife Insurance KK owns 8.1%, <br> Metropolitan Tower Life Insurance Company owns 0.04% and Metropolitan Tower Life Insurance Company (on <br> behalf of Separate Account 152) owns 3.85%.  | &nbsp;&nbsp; MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund GP, LLC is the general partner of MetLife <br> Core Property Fund, LP (the "Fund"). A substantial majority of the limited partnership interests in the Fund <br> are held by third parties. The following affiliates hold limited partnership interests in the Fund: Metropolitan <br> Life Insurance Company owns 14.40%, Metropolitan Life Insurance Company (on behalf of Separate Account <br> 746) owns 2.09%, MetLife Insurance Company of Korea Limited owns 1.52%, MetLife Insurance KK owns 8.1%, <br> Metropolitan Tower Life Insurance Company owns 0.04% and Metropolitan Tower Life Insurance Company (on <br> behalf of Separate Account 152) owns 3.85%.  |
|  | 3) | MetLife Core Property REIT, LLC (DE)  | MetLife Core Property REIT, LLC (DE)  |
|  | 4) | &nbsp;&nbsp; MetLife Core Property Holdings, LLC (DE) - MetLife Core Property Holdings, LLC also holds, directly or <br> indirectly, the following limited liability companies (partial and/or indirect ownership indicated in <br> parenthesis): MCP Alley24 East, LLC; MCPF Foxborough, LLC (100%); MCP One Westside, LLC; MCP 7 <br> Riverway, LLC; MCPF Acquisition, LLC; MCP SoCal Industrial – Springdale, LLC; MCP SoCal Industrial – <br> Concourse, LLC; MCP SoCal Industrial – Kellwood, LLC; MCP SoCal Industrial – Redondo, LLC; MCP SoCal <br> Industrial – Fullerton, LLC; MCP SoCal Industrial – Loker, LLC; MCP Paragon Point, LLC; MCP The Palms <br> at Doral, LLC; MCP EnV Chicago, LLC; MCP Financing, LLC; MCP 1900 McKinney, LLC; MCP 550 West <br> Washington, LLC; MCP 3040 Post Oak, LLC; MCP SoCal Industrial – LAX, LLC; MCP SoCal Industrial - <br> Anaheim, LLC; MCP West Fork, LLC; MCP SoCal Industrial – Bernardo, LLC; MCP Ashton South End, LLC; <br> MCP Main Street Village, LLC; MCP Trimble Campus, LLC; MCP Stateline, LLC; MCP Broadstone, LLC; ; MCP <br> Buford Logistics Center Bldg B, LLC; MCP 22745 & 22755 Relocation Drive, LLC; MCP 9020 Murphy Road, LLC; <br> MCP Northyards Holdco, LLC; MCP Northyards Owner, LLC (100%); MCP Northyards Master Lessee, LLC <br> (100%); MCP VOA Holdings, LLC; MCP VOA I & III, LLC (100%); MCP VOA II, LLC (100%); MCP West Broad <br> Marketplace, LLC; MCP Grapevine, LLC; MCP Union Row, LLC; MCP Fife Enterprise Center, LLC; MCP 2 Ames, <br> LLC; MCP 2 Ames Two, LLC (100%); MCP 2 Ames One, LLC (100%); MCP 2 Ames Owner, LLC (100%); MCP 350 <br> Rohlwing, LLC; MCP- Wellington, LLC; MCP Onyx, LLC; MCP SP Self Storage Member, LLC; MCP Stablewood <br> Member, LLC: MCP Valley Forge, LLC; MCP Valley Forge Two, LLC (100%); MCP Valley Forge One, LLC (100%); <br> MCP Valley Forge Owner, LLC (100%); MCP MA Property REIT, LLC; MCPF - Needham, LLC (100%); 60 11th <br> Street, LLC (100%); MCP-English Village, LLC;; Des Moines Creek Business Park Phase II, LLC; MCP Magnolia <br> Park Member, LLC; MCP Denver Pavilions Member, LLC; MCP Seattle Gateway Industrial I, LLC; MCP Seattle <br> Gateway Industrial II, LLC; MCP Seventh and Osborn Retail Member, LLC; MCP Astor at Osborn, LLC; MCP <br> Burnside Member, LLC; MCP Key West, LLC; MCP Vance Jackson, LLC; MCP Mountain Technology Center <br> Member TRS, LLC; MCP Vineyard Avenue Member, LLC; MCP Shakopee, LLC; MCP 93 Red River Member, LLC; <br> MCP Frisco Office, LLC; MCP Center Avenue Industrial Member, LLC; MCP 220 York, LLC; MCP 1500 Michael, <br> LLC; MCP Sleepy Hollow Member, LLC; MCP Clawiter Innovation Member, LLC; MCP Bradford, LLC; MCP <br> 50-60 Binney, LLC; MCP Hub I, LLC; MCP Hub I Property, LLC (100%); MCP Dillon, LLC; MCP Dillon <br> Residential, LLC; MCP Optimist Park Member, LLC; MCP 38th West Highland, LLC; MCP Longhaven Estates <br> Member, LLC, Mountain Technology Center A, LLC; Mountain Technology Center B, LLC; Mountain Technology <br> Center C, LLC; Mountain Technology Center D, LLC; Mountain Technology Center E, LLC; MCP Frisco Office <br> Two, LLC; MCP Gateway Commerce Center 5, LLC; MCP Allen Creek Member, LLC; Center Avenue Industrial, <br> LLC (81.28%); Center Avenue Industrial Venture, LLC (81.28%); MCP HH Hotel LB Trust (100%); Vineyard <br> Avenue Industrial Venture, LLC (79.81%) and Vineyard Avenue Industrial, LLC (79.81%); MCP 122 E. Sego Lilly, <br> LL MCP HH Hotel LB, LLC; MCP HH Hotel LB Trust (100%) MCP HH Hotel TRS, LB, LLC (100%); MCP Block 23 <br> Residential Owner, LLC; MCP Rausch Creek Logistics Center Member I, LLC; MCP Rausch Creek Logistics <br> Center Member II, LLC; MCP 249 Industrial Business Park, LLC (100%); MCP Alder Avenue Industrial Member, <br> LLC (100%); MCP Valley Boulevard Industrial Member, LLC (100%); MCP Ranchero Village MHC Member, LLC; <br> MCP MCFA Additional PropCo 1, LLC; MCP MCFA Additional PropCo 2, LLC; MCP MCFA Additional PropCo 3, <br> LLC; MCP MCFA Additional PropCo 4, LLC; MCP MCFA Additional PropCo 5, LLC; 93 Red River, LP; HM Sleepy <br> Hollow LLC (100%); Sleepy Hollow Residences LLC (100%); Clawiter Investors LLC; Clawiter Innovation LLC; <br> Clawiter Industrial LLC.  | &nbsp;&nbsp; MetLife Core Property Holdings, LLC (DE) - MetLife Core Property Holdings, LLC also holds, directly or <br> indirectly, the following limited liability companies (partial and/or indirect ownership indicated in <br> parenthesis): MCP Alley24 East, LLC; MCPF Foxborough, LLC (100%); MCP One Westside, LLC; MCP 7 <br> Riverway, LLC; MCPF Acquisition, LLC; MCP SoCal Industrial – Springdale, LLC; MCP SoCal Industrial – <br> Concourse, LLC; MCP SoCal Industrial – Kellwood, LLC; MCP SoCal Industrial – Redondo, LLC; MCP SoCal <br> Industrial – Fullerton, LLC; MCP SoCal Industrial – Loker, LLC; MCP Paragon Point, LLC; MCP The Palms <br> at Doral, LLC; MCP EnV Chicago, LLC; MCP Financing, LLC; MCP 1900 McKinney, LLC; MCP 550 West <br> Washington, LLC; MCP 3040 Post Oak, LLC; MCP SoCal Industrial – LAX, LLC; MCP SoCal Industrial - <br> Anaheim, LLC; MCP West Fork, LLC; MCP SoCal Industrial – Bernardo, LLC; MCP Ashton South End, LLC; <br> MCP Main Street Village, LLC; MCP Trimble Campus, LLC; MCP Stateline, LLC; MCP Broadstone, LLC; ; MCP <br> Buford Logistics Center Bldg B, LLC; MCP 22745 & 22755 Relocation Drive, LLC; MCP 9020 Murphy Road, LLC; <br> MCP Northyards Holdco, LLC; MCP Northyards Owner, LLC (100%); MCP Northyards Master Lessee, LLC <br> (100%); MCP VOA Holdings, LLC; MCP VOA I & III, LLC (100%); MCP VOA II, LLC (100%); MCP West Broad <br> Marketplace, LLC; MCP Grapevine, LLC; MCP Union Row, LLC; MCP Fife Enterprise Center, LLC; MCP 2 Ames, <br> LLC; MCP 2 Ames Two, LLC (100%); MCP 2 Ames One, LLC (100%); MCP 2 Ames Owner, LLC (100%); MCP 350 <br> Rohlwing, LLC; MCP- Wellington, LLC; MCP Onyx, LLC; MCP SP Self Storage Member, LLC; MCP Stablewood <br> Member, LLC: MCP Valley Forge, LLC; MCP Valley Forge Two, LLC (100%); MCP Valley Forge One, LLC (100%); <br> MCP Valley Forge Owner, LLC (100%); MCP MA Property REIT, LLC; MCPF - Needham, LLC (100%); 60 11th <br> Street, LLC (100%); MCP-English Village, LLC;; Des Moines Creek Business Park Phase II, LLC; MCP Magnolia <br> Park Member, LLC; MCP Denver Pavilions Member, LLC; MCP Seattle Gateway Industrial I, LLC; MCP Seattle <br> Gateway Industrial II, LLC; MCP Seventh and Osborn Retail Member, LLC; MCP Astor at Osborn, LLC; MCP <br> Burnside Member, LLC; MCP Key West, LLC; MCP Vance Jackson, LLC; MCP Mountain Technology Center <br> Member TRS, LLC; MCP Vineyard Avenue Member, LLC; MCP Shakopee, LLC; MCP 93 Red River Member, LLC; <br> MCP Frisco Office, LLC; MCP Center Avenue Industrial Member, LLC; MCP 220 York, LLC; MCP 1500 Michael, <br> LLC; MCP Sleepy Hollow Member, LLC; MCP Clawiter Innovation Member, LLC; MCP Bradford, LLC; MCP <br> 50-60 Binney, LLC; MCP Hub I, LLC; MCP Hub I Property, LLC (100%); MCP Dillon, LLC; MCP Dillon <br> Residential, LLC; MCP Optimist Park Member, LLC; MCP 38th West Highland, LLC; MCP Longhaven Estates <br> Member, LLC, Mountain Technology Center A, LLC; Mountain Technology Center B, LLC; Mountain Technology <br> Center C, LLC; Mountain Technology Center D, LLC; Mountain Technology Center E, LLC; MCP Frisco Office <br> Two, LLC; MCP Gateway Commerce Center 5, LLC; MCP Allen Creek Member, LLC; Center Avenue Industrial, <br> LLC (81.28%); Center Avenue Industrial Venture, LLC (81.28%); MCP HH Hotel LB Trust (100%); Vineyard <br> Avenue Industrial Venture, LLC (79.81%) and Vineyard Avenue Industrial, LLC (79.81%); MCP 122 E. Sego Lilly, <br> LL MCP HH Hotel LB, LLC; MCP HH Hotel LB Trust (100%) MCP HH Hotel TRS, LB, LLC (100%); MCP Block 23 <br> Residential Owner, LLC; MCP Rausch Creek Logistics Center Member I, LLC; MCP Rausch Creek Logistics <br> Center Member II, LLC; MCP 249 Industrial Business Park, LLC (100%); MCP Alder Avenue Industrial Member, <br> LLC (100%); MCP Valley Boulevard Industrial Member, LLC (100%); MCP Ranchero Village MHC Member, LLC; <br> MCP MCFA Additional PropCo 1, LLC; MCP MCFA Additional PropCo 2, LLC; MCP MCFA Additional PropCo 3, <br> LLC; MCP MCFA Additional PropCo 4, LLC; MCP MCFA Additional PropCo 5, LLC; 93 Red River, LP; HM Sleepy <br> Hollow LLC (100%); Sleepy Hollow Residences LLC (100%); Clawiter Investors LLC; Clawiter Innovation LLC; <br> Clawiter Industrial LLC.  |
|  |  | (1) | MCP Property Management, LLC (DE)  |
|  |  | (2) | MetLife Core Property TRS, LLC (DE)  |
|  |  | (b) | MCP ESG TRS, LLC (DE)  |

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|  |  | (c) | MCP COMMON DESK TRS, LLC (DE)  |
| m. | MetLife Senior Direct Lending GP, LLC (DE)  | MetLife Senior Direct Lending GP, LLC (DE)  | MetLife Senior Direct Lending GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Senior Direct Lending Finco, LLC (DE) - MetLife Senior Direct Lending GP, LLC is the General <br> Partner of MetLife Senior Direct Lending Finco, LLC. MetLife Insurance K.K. is the sole member. This entity in <br> turn invests in the MetLife Senior Direct Lending Holdings, LP.  | &nbsp;&nbsp; MetLife Senior Direct Lending Finco, LLC (DE) - MetLife Senior Direct Lending GP, LLC is the General <br> Partner of MetLife Senior Direct Lending Finco, LLC. MetLife Insurance K.K. is the sole member. This entity in <br> turn invests in the MetLife Senior Direct Lending Holdings, LP.  |
|  | 2) | MetLife Senior Direct Lending Holdings, LP (DE)  | MetLife Senior Direct Lending Holdings, LP (DE)  |
|  | 3) | &nbsp;&nbsp; MLJ US Feeder LLC (DE) - MetLife Senior Direct Lending GP, LLC is the Manager of MLJ US Feeder LLC. <br> MetLife Insurance K.K. (Japan) is the sole member. This entity in turn invests in the MetLife Senior Direct <br> Lending Holdings, LP.  | &nbsp;&nbsp; MLJ US Feeder LLC (DE) - MetLife Senior Direct Lending GP, LLC is the Manager of MLJ US Feeder LLC. <br> MetLife Insurance K.K. (Japan) is the sole member. This entity in turn invests in the MetLife Senior Direct <br> Lending Holdings, LP.  |
| n. | MetLife Commercial Mortgage Income Fund GP, LLC (DE)  | MetLife Commercial Mortgage Income Fund GP, LLC (DE)  | MetLife Commercial Mortgage Income Fund GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Commercial Mortgage Income Fund, LP (DE) - MetLife Commercial Mortgage Income Fund GP, LLC is <br> the general partner of MetLife Commercial Mortgage Income Fund, LP (the "Fund"). A majority of the limited <br> partnership interests in the Fund are held by third parties. The following affiliates hold limited partnership <br> interests in the Fund: Metropolitan Life Insurance Company owns 27.35%, MetLife Insurance Company of <br> Korea Limited owns 1.04%, and Metropolitan Tower Life Insurance Company owns 3.62%.  | &nbsp;&nbsp; MetLife Commercial Mortgage Income Fund, LP (DE) - MetLife Commercial Mortgage Income Fund GP, LLC is <br> the general partner of MetLife Commercial Mortgage Income Fund, LP (the "Fund"). A majority of the limited <br> partnership interests in the Fund are held by third parties. The following affiliates hold limited partnership <br> interests in the Fund: Metropolitan Life Insurance Company owns 27.35%, MetLife Insurance Company of <br> Korea Limited owns 1.04%, and Metropolitan Tower Life Insurance Company owns 3.62%.  |
|  | a) | MetLife Commercial Mortgage REIT, LLC (DE)  | MetLife Commercial Mortgage REIT, LLC (DE)  |
|  |  | (1) | MetLife Commercial Mortgage Originator, LLC (DE)  |
|  |  | (a) | MCMIF Holdco I, LLC (DE)  |
|  |  | (b) | MCMIF Holdco II, LLC (DE)  |
|  |  | (c) | MCMIF Holdco III, LLC (DE)  |
|  | (2) | MCMIF Holdco IV, LLC (DE)  | MCMIF Holdco IV, LLC (DE)  |
|  | (3) | MCMIF TRS II, LLC (DE)  | MCMIF TRS II, LLC (DE)  |
| o. | MIM Campus at SGV Manager, LLC (DE)  | MIM Campus at SGV Manager, LLC (DE)  | MIM Campus at SGV Manager, LLC (DE)  |
| p. | MIM Clal General Partner 2.0, LLC (DE)  | MIM Clal General Partner 2.0, LLC (DE)  | MIM Clal General Partner 2.0, LLC (DE)  |
| q. | MetLife Strategic Hotel Debt Fund GP, LLC (DE)  | MetLife Strategic Hotel Debt Fund GP, LLC (DE)  | MetLife Strategic Hotel Debt Fund GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Strategic Hotel Debt Fund, LP (DE) - MetLife Strategic Hotel Debt Fund GP, LLC is the general <br> partner of MetLife Strategic Hotel Debt Fund, LP (the "Fund"). The following affiliates committed to hold <br> limited partnership interests in the Fund: Metropolitan Life Insurance Company (46.88%) and Metropolitan <br> Tower Life Insurance Company (26.04%). The remainder is held by a third-party.  | &nbsp;&nbsp; MetLife Strategic Hotel Debt Fund, LP (DE) - MetLife Strategic Hotel Debt Fund GP, LLC is the general <br> partner of MetLife Strategic Hotel Debt Fund, LP (the "Fund"). The following affiliates committed to hold <br> limited partnership interests in the Fund: Metropolitan Life Insurance Company (46.88%) and Metropolitan <br> Tower Life Insurance Company (26.04%). The remainder is held by a third-party.  |
|  | a) | MetLife Strategic Hotel Originator, LLC (DE)  | MetLife Strategic Hotel Originator, LLC (DE)  |
|  |  | (1) | MSHDF Holdco I, LLC (DE)  |
|  |  | (2) | MSHDF Holdco II, LLC (DE)  |
|  |  | (3) | MSHDF Holdco III, LLC (DE)  |
| r. | MetLife Investment Private Equity Partners Ultimate GP, LLC (DE)  | MetLife Investment Private Equity Partners Ultimate GP, LLC (DE)  | MetLife Investment Private Equity Partners Ultimate GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Investment Private Equity Partners Ultimate GP, LP (DE) - MetLife Investment Private Equity Partners <br> Ultimate GP, LLC is the general partner of MetLife Investment Private Equity Partners GP, L.P. (the "Fund"). <br> The interests in the Fund are held exclusively by third parties.  | &nbsp;&nbsp; MetLife Investment Private Equity Partners Ultimate GP, LP (DE) - MetLife Investment Private Equity Partners <br> Ultimate GP, LLC is the general partner of MetLife Investment Private Equity Partners GP, L.P. (the "Fund"). <br> The interests in the Fund are held exclusively by third parties.  |
|  | a) | &nbsp;&nbsp; MetLife Investment Private Equity Partners LP (DE) - MetLife Investment Private Equity Partners GP, L.P. <br> is the general partner of MetLife Investment Private Equity Partners, L.P. (the "Fund"). The GP holds <br> 0.0001% of the interests in the Fund and the remainder is held by third parties.  | &nbsp;&nbsp; MetLife Investment Private Equity Partners LP (DE) - MetLife Investment Private Equity Partners GP, L.P. <br> is the general partner of MetLife Investment Private Equity Partners, L.P. (the "Fund"). The GP holds <br> 0.0001% of the interests in the Fund and the remainder is held by third parties.  |
|  | b) | &nbsp;&nbsp; MetLife Investment Private Equity Partners (Feeder), LP (CYM) - MetLife Investment Private Equity <br> Partners GP, L.P. is the general partner of MetLife Investment Private Equity Partners (Feeder), L.P. (the <br> "Fund"). The interests in the Fund are held exclusively by third parties.  | &nbsp;&nbsp; MetLife Investment Private Equity Partners (Feeder), LP (CYM) - MetLife Investment Private Equity <br> Partners GP, L.P. is the general partner of MetLife Investment Private Equity Partners (Feeder), L.P. (the <br> "Fund"). The interests in the Fund are held exclusively by third parties.  |
|  | 2) | MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE)  | MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE)  |
|  | a) | &nbsp;&nbsp; MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE) - MetLife Investment Private Equity <br> Partners GP, LP is the General Partner of (i) MetLife Investment Private Equity Partners II, LP and (ii) <br> MetLife Investment Private Equity Partners II Acquisition Co, LP.  | &nbsp;&nbsp; MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE) - MetLife Investment Private Equity <br> Partners GP, LP is the General Partner of (i) MetLife Investment Private Equity Partners II, LP and (ii) <br> MetLife Investment Private Equity Partners II Acquisition Co, LP.  |

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|  | b) | &nbsp;&nbsp; MetLife Investment Private Equity Partners II GP, LP (DE) - MetLife Investment Private Equity Partners <br> II Ultimate GP, LLC is the general partner of MetLife Investment Private Equity Partners II GP, LP (the <br> "Fund"). Certain MetLife employees are limited partners in the Fund.  |
|  | c) | &nbsp;&nbsp; MetLife Investment Private Equity Partners II (Feeder), LP (CYM) - "MetLife Investment Private Equity <br> Partners II GP, LP is the general partner (the "GP") of MetLife Investment Private Equity Partners II <br> (Feeder), LP (the "Fund"). The interests in the Fund are held exclusively by third parties.  |
|  |  | MetLife Investment Private Equity Partners II Acquisition Co, LLP (DE)  |
| s. | MetLife Single Family Rental Fund GP, LLC (DE)  | MetLife Single Family Rental Fund GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Single Family Rental Fund, LP (DE) - MetLife Single Family Rental Fund GP, LLC is the general <br> partner of MetLife Single Family Rental Fund, LP (the "Fund"). The following affiliates directly hold limited <br> partnership interests in the Fund: Metropolitan Life Insurance Company (7.69%) and Metropolitan Tower Life <br> Insurance Company (30.77%). Additionally, a wholly owned subsidiary of MetLife Core Property Fund, LP, a <br> private fund Controlled by MetLife Investment Management, LLC, directly holds 25.64% of the limited <br> partnership interests in the Fund.  |
|  | (a) | MSFR Sawdust Member, LLC (DE)  |
|  | (b) | MSFR Acquisition, LLC (DE)  |
|  | (c) | MSFR Meridian McCordsville Member, LLC (DE)  |
|  | (d) | MSFR Jimmy Deloach Preferred Member, LLC (DE)  |
|  | (e) | MSFR Jimmy Deloach Member, LLC (DE)  |
|  | (f) | MSFR Smith Cline Farm Member, LLC (DE)  |
|  | (g) | MSFR Desert Vistas Member, LLC (DE)  |
|  | (h) | MSFR Midway Row House Owner, LLC (DE)  |
|  | (i) | MSFR Sandy Springs Member, LLC (DE)  |
|  | 2) | &nbsp;&nbsp; MetLife Single Family Rental Feeder A, LP (DE) - MetLife Single Family Rental Fund GP, LLC is the general <br> partner of MetLife Single Family Rental Feeder A, LP (the "Fund"). The limited partnership interests in the <br> Fund are held exclusively by third parties. The Fund invests all of its assets in MetLife Single Family Rental <br> Holdings A, LP, which invests all of its assets in MetLife Single Family Rental Fund, LP."  |
|  | 3) | &nbsp;&nbsp; MetLife Single Family Rental Feeder J, LLC (DE) - MetLife Single Family Rental Fund GP, LLC is the manager <br> of MetLife Single Family Rental Feeder J, LLC (the "Fund"). MetLife Insurance K.K. holds 100% of the <br> membership interests issued by the Fund. The Fund invests all of its assets in MetLife Single Family Rental <br> Fund, LP.  |
|  | 4) | &nbsp;&nbsp; MetLife Single Family Rental Holdings A, LP (DE) - MetLife Single Family Rental Fund GP, LLC is the general <br> partner of MetLife Single Family Rental Holdings A, LP (the "Fund"). The limited partnership interests in the <br> Fund are held exclusively by MetLife Single Family Rental Feeder A, LP, and the Fund invests all of its assets in <br> MetLife Single Family Rental Fund, LP."  |
|  | 5) | MSFR Custer 121 Member, LLC (DE)  |
|  | 6) | MSFR Horizon Uptown Member, LLC (DE)  |
| t. | MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE)  | MetLife Investment Private Equity Partners II Ultimate GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife investment Private Equity Partners II GP, LP - MetLife Investment Private Equity Partners II Ultimate <br> GP, LLC is the general partner of MetLife Investment Private Equity Partners II GP, LP (the "Fund"). Certain <br> MetLife employees are limited partners in the fund.  |
|  | (a) | &nbsp;&nbsp; MetLife Investment Private Equity Partners II (Feeder), LP (CYM) - MetLife Investment Private Equity <br> Partners II GP, LP is the general partner (the "GP") of MetLife Investment Private Equity Partners II, LP <br> (the "Fund"). The GP holds 0.0866% of the interests in the Fund and the remainder is held by third <br> parties.  |
|  |  | MetLife Investment Private Equity Partners II Acquisition Co, LP (DE)  |
| u. | MetLife Loan Asset Management LLC (DE)  | MetLife Loan Asset Management LLC (DE)  |
| v. | 225 6th Street Manager LLC (DE)  | 225 6th Street Manager LLC (DE)  |
| w. | MIM CM Syndicator LLC (DE)  | MIM CM Syndicator LLC (DE)  |

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| | | |
|:---|:---|:---|
| x. | MAV G1 Trust Holdings LLC (DE)  | MAV G1 Trust Holdings LLC (DE)  |
| y. | MAV H1 Trust Holdings LLC (DE)  | MAV H1 Trust Holdings LLC (DE)  |
|  | 1) | MAV H1 (DE)  |
| z. | MAV G1 (DE)  | MAV G1 (DE)  |
| aa. | MIM MPMF Manager LLC (DE)  | MIM MPMF Manager LLC (DE)  |
| bb. | ML - URS Port Chester SC Manager, LLC (DE)  | ML - URS Port Chester SC Manager, LLC (DE)  |
| cc. | Hampden Square Manager LLC (DE)  | Hampden Square Manager LLC (DE)  |
| dd. | MIM Penrose Southstone Manager, LLC (DE)  | MIM Penrose Southstone Manager, LLC (DE)  |
| ee. | MLIA SBAF Manager LLC (DE)  | MLIA SBAF Manager LLC (DE)  |
| ff. | MLIA SBAF Colony Manager LLC (DE)  | MLIA SBAF Colony Manager LLC (DE)  |
| gg. | MIM Property Management, LLC (DE)  | MIM Property Management, LLC (DE)  |
|  | 1) | MIM Property Management of Georgia 1, LLC (DE)  |
| hh. | ML Terminal 106 Manager, LLC (DE)  | ML Terminal 106 Manager, LLC (DE)  |
| ii. | MIM Steel House Manager, LLC (DE)  | MIM Steel House Manager, LLC (DE)  |
| jj. | MIM Rincon Manager, LLC (DE)  | MIM Rincon Manager, LLC (DE)  |
| kk. | MetLife Middle Market Private Debt Parallel GP, LLC (DE)  | MetLife Middle Market Private Debt Parallel GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Middle Market Private Debt Parallel Fund, LP (CYM) - MetLife Middle Market Private Debt Parallel <br> GP, LLC is the general partner of MetLife Middle Market Private Debt Parallel Fund, LP. The following affiliate <br> holds a limited partnership interest in the Fund: MetLife Insurance K.K. (Japan) (100%).  |
|  | 2) | MMPDPF Brewer Blocker, LLC (DE)  |
|  | 3) | MMPDF Gloves Holdings, LP (DE)  |
|  | 4) | &nbsp;&nbsp; MMPDFII Aero Blocker, LLC(DE) - MetLife Investment Management, LLC is the Manager. The sole member is <br> MetLife Middle Market Private Debt II Investment Fund, LP.  |
| ll. | MetLife MMPD II Special, LLC (DE)  | MetLife MMPD II Special, LLC (DE)  |
| mm. | &nbsp;&nbsp; MetLife Senior Direct Lending GP II, LLC (DE) - MetLife Senior Direct Lending GP II, LLC is the general partner of <br> MetLife Senior Direct Lending Fund II, LP (the "Fund"). The Fund is currently offered to third parties. 0.06% of the <br> Fund is held by MetLife employees. The remainder of the Fund is held by a feeder fund that has a third-party <br> general partner."  | &nbsp;&nbsp; MetLife Senior Direct Lending GP II, LLC (DE) - MetLife Senior Direct Lending GP II, LLC is the general partner of <br> MetLife Senior Direct Lending Fund II, LP (the "Fund"). The Fund is currently offered to third parties. 0.06% of the <br> Fund is held by MetLife employees. The remainder of the Fund is held by a feeder fund that has a third-party <br> general partner."  |
|  | 1) | MetLife Senior Direct Lending Fund II, LP  |
| nn. | MetLife Enhanced Core Property Fund GP, LLC (DE)  | MetLife Enhanced Core Property Fund GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Enhanced Core Property Fund, LP (DE) - MetLife Enhanced Core Property Fund GP is the general <br> partner of MetLife Enhanced Core Property Fund LP (the "Fund"). The following affiliates hold limited <br> partnership interests in the Fund: 33.3328% is held by Metropolitan Life Insurance Company and 33.3328% is <br> held by Metropolitan Tower Life Insurance Company. The remainder is held by third parties.  |
|  | a) | &nbsp;&nbsp; MetLife Enhanced Core Property REIT, LLC (DE) - MetLife Enhanced Core Property Fund, LP is the <br> manager of MetLife Enhanced Core Property REIT, LLC (the "Fund") and holds 99.9% of the membership <br> interests in the Fund. The remainder is held by third parties.  |
|  |  | &nbsp;&nbsp; MetLife Enhanced Core Property Holdings, LLC (DE) - also holds, directly or indirectly, the following <br> limited liability companies (partial and/or indirect ownership indicated in parenthesis): MetLife <br> Enhanced Core TRS, LLC; MEC Patriot Park 5 LLC; MEC Fillmore Cherry Creek, LLC; MEC 7001 <br> Arlington, LLC; MEC Salt Lake City Hotel Owner, LLC; MEC Salt Lake City TRS Lessee, LLC (100%); <br> MEC 83 Happy Valley Member, LLC; MEC Rivard Road Member, LLC; MEC Heritage Creekside Owner, <br> LLC; MEC Burlington Woods Biocenter, LLC; MEC Property Management, LLC; MEC Whiteland <br> Logistics, LLC MEC Chapel Hills East Member, LLC; MEC The Overlook LLC.  |
|  | b) | MEC ESG TRS, LLC (DE)  |
| oo. | Commonwealth ML Manager LLC (DE)  | Commonwealth ML Manager LLC (DE)  |
| pp. | GV Venture Manager LLC (DE)  | GV Venture Manager LLC (DE)  |

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| | | |
|:---|:---|:---|
| qq. | MetLife Japan GV GP LLC (DE)  | MetLife Japan GV GP LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Japan GHV (Hotel) Fund LP (DE) - MetLife Japan GV GP LLC is the general partner of MetLife Japan <br> GHV (Hotel) Fund LP. MetLife Japan GHV (Hotel) Fund LP is owned (i) 55.865222% by MetLife GV Owner LLC, <br> (ii) 10.027182 % by MTL GV Owner LLC, and (iii) 34.107596% by MetLife Japan Owner (Blocker) LLC.  |
|  | 2) | &nbsp;&nbsp; MetLife Japan GMV (Mall) Fund LP (DE) - MetLife Japan GV GP LLC is the general partner of MetLife Japan <br> GMV (Mall) Fund LP. MetLife Japan GMV (Mall) Fund LP is owned (i) 55.845714% by MetLife GV Owner LLC, <br> (ii) 10.058134% by MTL GV Owner LLC, and (iii) 34.096152% by MetLife Japan Owner (Blocker) LLC.  |
| rr. | &nbsp;&nbsp; MetLife Middle Market Private Debt GP II, LLC (DE) - MetLife Middle Market Private Debt GP II, LLC is the <br> general partner of MetLife Middle Market Private Debt Fund II, LP (the "Fund"). .16% of the Fund is held by <br> MetLife employees. The remainder of the Fund is held by third parties.  | &nbsp;&nbsp; MetLife Middle Market Private Debt GP II, LLC (DE) - MetLife Middle Market Private Debt GP II, LLC is the <br> general partner of MetLife Middle Market Private Debt Fund II, LP (the "Fund"). .16% of the Fund is held by <br> MetLife employees. The remainder of the Fund is held by third parties.  |
|  | 1) | MetLife Middle Market Private Debt Fund II, LP (DE)  |
| ss. | CW Property Manager LLC (DE)  | CW Property Manager LLC (DE)  |
| tt. | MIM OMD Manager LLC (DE)  | MIM OMD Manager LLC (DE)  |
| uu. | &nbsp;&nbsp; MetLife Japan US Equity Fund GP LLC (DE) - MetLife Japan US Equity Fund GP, LLC is general partner of MetLife <br> Japan US Equity Fund ("Fund"). The following affiliates hold a limited partnership interest in the Fund: 51% is <br> owned by MetLife Japan US Equity Owners LLC and 49% by MetLife Japan US Equity Owners (Blocker) LLC.  | &nbsp;&nbsp; MetLife Japan US Equity Fund GP LLC (DE) - MetLife Japan US Equity Fund GP, LLC is general partner of MetLife <br> Japan US Equity Fund ("Fund"). The following affiliates hold a limited partnership interest in the Fund: 51% is <br> owned by MetLife Japan US Equity Owners LLC and 49% by MetLife Japan US Equity Owners (Blocker) LLC.  |
|  | 1) | MetLife Japan US Equity Fund LP (DE)  |
|  | a) | &nbsp;&nbsp; MetLife Japan US Equity Owners (Blocker) LLC (DE) - MetLife Japan US Equity Fund GP, LLC is the <br> manager of MetLife Japan US Equity Owners (Blocker) LLC. MetLife Insurance K.K. (Japan) is the sole <br> member.  |
|  |  | MetLife ConSquare Member, LLC (DE)  |
|  |  | MREF 425 MKT, LLC (DE)  |
| vv. | MetLife Japan Water Tower GP LLC (DE)  | MetLife Japan Water Tower GP LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Japan Water Tower Fund LP (DE) - MetLife Japan Water Tower GP LLC is the general partner of <br> MetLife Japan Water Tower Fund LP. MetLife Japan Water Tower Fund LP is owned approximately 68.7% by <br> MetLife Water Tower Owner LLC and 31.3% by MetLife Japan Water Tower Owner (Blocker) LLC.  |
| ww. | MIM Alder Avenue Industrial Manager, LLC (DE)  | MIM Alder Avenue Industrial Manager, LLC (DE)  |
| xx. | MIM Valley Boulevard Industrial Manager, LLC (DE)  | MIM Valley Boulevard Industrial Manager, LLC (DE)  |
| yy.. | MIM Intersect Manager, LLC (DE)  | MIM Intersect Manager, LLC (DE)  |
| zz. | Water Tower Manager LLC (DE)  | Water Tower Manager LLC (DE)  |
| aaa. | MMIP Manager, LLC (DE)  | MMIP Manager, LLC (DE)  |
| bbb. | MIM Rausch Creek Logistics Center Manager I, LLC (DE)  | MIM Rausch Creek Logistics Center Manager I, LLC (DE)  |
| ccc. | MIM Rausch Creek Logistics Center Manager II, LLC (DE)  | MIM Rausch Creek Logistics Center Manager II, LLC (DE)  |
| ddd. | MIM Cooperative Manager, LLC (DE)  | MIM Cooperative Manager, LLC (DE)  |
| eee. | MIM EMD GP, LLC (DE)  | MIM EMD GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Emerging Market Debt Blend Fund (Insurance Rated), L.P. (DE) - MIM EMD GP, LLC is the general <br> partner of MetLife Emerging Market Debt Blend Fund (Insurance Rated), L.P. (the "Fund"). Metropolitan Life <br> Insurance Company owns 73.66% of the Fund.  |
|  | 2) | &nbsp;&nbsp; MetLife Emerging Market Debt, LP (DE) - MIM EMD GP, LLC is the general partner of MetLife Emerging <br> Market Debt, LP (the "Fund"). The fund is offered to third parties.  |
| fff. | MetLife Middle Market Private Debt GP, LLC (DE)  | MetLife Middle Market Private Debt GP, LLC (DE)  |
|  | 1) | &nbsp;&nbsp; MetLife Middle Market Private Debt Fund, LP (DE) - MetLife Middle Market Private Debt GP, LLC is the <br> general partner of MetLife Middle Market Private Debt Fund, L.P (the "Fund"). The following affiliates hold <br> limited partnership interests in the Fund: 30.25% is held by MetLife Private Equity Holdings, LLC, 30.25% is <br> held by Metropolitan Life Insurance Company, 3.46% is held by MetLife Middle Market Private Debt GP, LLC. <br> The remainder is held by a third party.  |
| ggg. | Commonwealth ML Manager LLC (DE)  | Commonwealth ML Manager LLC (DE)  |
| hhh. | MIM Founders Manager, LLC (DE)  | MIM Founders Manager, LLC (DE)  |

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| | | |
|:---|:---|:---|
| iii. | MIM SK Manager LLC (DE)  | MIM SK Manager LLC (DE)  |
| jjj. | MIM Clal General Partner 2.0, LLC (DE)  | MIM Clal General Partner 2.0, LLC (DE)  |
| kkk. | MAG Manager LLC (DE)  | MAG Manager LLC (DE)  |
| lll. | &nbsp;&nbsp; MIM FRF I GP, LLC (DE) - MIM FRF I GP, LLC is the general partner of MetLife Floating Rate Fund I, LP (the <br> "Fund"). The fund is offered to third parties.  | &nbsp;&nbsp; MIM FRF I GP, LLC (DE) - MIM FRF I GP, LLC is the general partner of MetLife Floating Rate Fund I, LP (the <br> "Fund"). The fund is offered to third parties.  |
|  | 1) | &nbsp;&nbsp; MetLife Floating Rate Fund I, LP (DE) - MIM FRF I GP, LLC is the general partner of MetLife Floating Rate <br> Fund I, LP (the "Fund"). The fund is offered to third parties.  |
| mmm. | MSFR Acquisition, LLC (DE)  | MSFR Acquisition, LLC (DE)  |
| nnn. | MSFR Meridian McCordsville Member, LLC (DE)  | MSFR Meridian McCordsville Member, LLC (DE)  |
| ooo. | MetLife Single Family Rental Feeder A, LP (DE)  | MetLife Single Family Rental Feeder A, LP (DE)  |
| ppp. | MetLife Single Family Rental Holdings A, LP (DE)  | MetLife Single Family Rental Holdings A, LP (DE)  |
| qqq. | 1960 Grand Manager LLC (DE)  | 1960 Grand Manager LLC (DE)  |
| rrr. | 1960 Grand GP LLC (DE)  | 1960 Grand GP LLC (DE)  |
| sss. | MetLife Japan 1960 Grand Blocker LLC (DE)  | MetLife Japan 1960 Grand Blocker LLC (DE)  |
| ttt. | ML 1960 Grand LLC (DE)  | ML 1960 Grand LLC (DE)  |
| uuu. | 240 West 35th GP LLC (DE)  | 240 West 35th GP LLC (DE)  |
|  | 1) | &nbsp;&nbsp; 240 West 35th Fund LP (DE) - 240 West 35th GP LLC is the general partner of 240 West 35th Fund LP. 240 West <br> 35th Fund LP is owned (i) 60.060058% by MetLife Japan 240 West 35th Owner (Blocker) LLC, and (ii) <br> 39.939942% by ML 240 West 35th Owner LLC.  |
| vvv. | 240 West 35th Manager LLC (DE)  | 240 West 35th Manager LLC (DE)  |
| www. | MIM Shea Residences Manager, LLC (DE)  | MIM Shea Residences Manager, LLC (DE)  |
| xxx. | &nbsp;&nbsp; MetLife Opportunistic Real Estate Debt Fund GP, LLC (DE) - MetLife Opportunistic Real Estate Debt Fund GP, LLC <br> is the general partner of MetLife Opportunistic Real Estate Debt Fund, LP (the "Fund"). The following affiliates <br> committed to hold limited partnership interests in the Fund: Metropolitan Life Insurance Company (68%), <br> Metropolitan Tower Life Insurance Company (15%) and MetLife Reinsurance Company of Hamilton, Ltd. (17%). The <br> Fund is currently being offered to third parties for investment.  | &nbsp;&nbsp; MetLife Opportunistic Real Estate Debt Fund GP, LLC (DE) - MetLife Opportunistic Real Estate Debt Fund GP, LLC <br> is the general partner of MetLife Opportunistic Real Estate Debt Fund, LP (the "Fund"). The following affiliates <br> committed to hold limited partnership interests in the Fund: Metropolitan Life Insurance Company (68%), <br> Metropolitan Tower Life Insurance Company (15%) and MetLife Reinsurance Company of Hamilton, Ltd. (17%). The <br> Fund is currently being offered to third parties for investment.  |
|  | 1) | &nbsp;&nbsp; MetLife Opportunistic Real Estate Debt Feeder Fund, LP (CYM) - MetLife Opportunistic Real Estate Debt <br> Fund GP, LLC is the general partner of MetLife Opportunistic Real Estate Debt Fund, LP (the "Fund"). The <br> following affiliates committed to hold limited partnership interests in the Fund: Metropolitan Life Insurance <br> Company (56.7%), Metropolitan Tower Life Insurance Company (12.5%) and MetLife Reinsurance Company of <br> Hamilton, Ltd. (14.2%). The Fund is currently being offered to third parties for investment.  |
|  | 2) | MetLife Opportunistic Real Estate Debt Fund, LP (DE)  |
|  | a) | MORE Originator, LLC (DE)  |
|  | b) | MORE Holdco I, LLC (DE)  |
| yyy. | &nbsp;&nbsp; MetLife Senior Direct Lending GP II, LLC (DE) - MetLife Senior Direct Lending GP II, LLC is the general partner of <br> MetLife Senior Direct Lending II, LP (the "Fund"). 100% of the Fund is held by MetLife employees. The Fund is <br> currently being offered to third parties for investment.  | &nbsp;&nbsp; MetLife Senior Direct Lending GP II, LLC (DE) - MetLife Senior Direct Lending GP II, LLC is the general partner of <br> MetLife Senior Direct Lending II, LP (the "Fund"). 100% of the Fund is held by MetLife employees. The Fund is <br> currently being offered to third parties for investment.  |
|  | 1) | &nbsp;&nbsp; MetLife Senior Direct Lending Fund II, LP (DE) - MetLife Senior Direct Lending GP II, LLC is the general <br> partner of MetLife Senior Direct Lending Fund II, LP (the "Fund"). The Fund is currently offered to third <br> parties. 0.06% of the Fund is held by MetLife employees. The remainder of the Fund is held by a feeder fund <br> that has a third-party general partner.  |
|  | 2) | MetLife MMPD II Special, LLC (DE)  |
| zzz. | MetLife SDLF II Special, LLC (DE)  | MetLife SDLF II Special, LLC (DE)  |
| aaaa. | &nbsp;&nbsp; MMPDFII Guard Blocker, LLC (DE) - MetLife Investment Management, LLC is the Manager. The sole member is <br> MetLife Middle Market Private Debt II Investment Fund, LP.  | &nbsp;&nbsp; MMPDFII Guard Blocker, LLC (DE) - MetLife Investment Management, LLC is the Manager. The sole member is <br> MetLife Middle Market Private Debt II Investment Fund, LP.  |
| bbbb. | &nbsp;&nbsp; 4000 MacArthur Manager, LLC (DE) - MetLife Investment Management, LLC owns 100% of 4000 MacArthur <br> Manager LLC.  | &nbsp;&nbsp; 4000 MacArthur Manager, LLC (DE) - MetLife Investment Management, LLC owns 100% of 4000 MacArthur <br> Manager LLC.  |
| cccc. | MIM Markham Manager, LLC (DE) - The Entity is 100% owned by MetLife Investment Management, LLC.  | MIM Markham Manager, LLC (DE) - The Entity is 100% owned by MetLife Investment Management, LLC.  |

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|:---|:---|:---|:---|:---|
|  | dddd. | Beachwood Place Manager LLC (DE)  | Beachwood Place Manager LLC (DE)  | Beachwood Place Manager LLC (DE)  |
| 5. | PineBridge Investments Holdings US LLC (DE)  | PineBridge Investments Holdings US LLC (DE)  | PineBridge Investments Holdings US LLC (DE)  | PineBridge Investments Holdings US LLC (DE)  |
|  | a. | PineBridge HS Manager LLC (DE)  | PineBridge HS Manager LLC (DE)  | PineBridge HS Manager LLC (DE)  |
|  | b. | PineBridge International Services LLC (DE)  | PineBridge International Services LLC (DE)  | PineBridge International Services LLC (DE)  |
|  | c. | PineBridge Investments LLC (DE)  | PineBridge Investments LLC (DE)  | PineBridge Investments LLC (DE)  |
|  |  | 1) | PineBridge Aggregator General Partner, LLC (DE)  | PineBridge Aggregator General Partner, LLC (DE)  |
|  |  | a) | &nbsp;&nbsp; PineBridge Ski Holdings, L.P. (DE) - Pineridge Aggregator General Partner, LLC is the general partner of <br> PineBridge Ski Holdings, L.P. (the "Fund"). 46.68% of the limited partnership interests of Fund are held by <br> third parties, 51.10% are held by PineBridge Private Credit, L.P., and 2.22% are held by PineBridge Private <br> Credit Parallel, L.P.  | &nbsp;&nbsp; PineBridge Ski Holdings, L.P. (DE) - Pineridge Aggregator General Partner, LLC is the general partner of <br> PineBridge Ski Holdings, L.P. (the "Fund"). 46.68% of the limited partnership interests of Fund are held by <br> third parties, 51.10% are held by PineBridge Private Credit, L.P., and 2.22% are held by PineBridge Private <br> Credit Parallel, L.P.  |
|  |  | 2) | PineBridge Global Dynamic Asset Allocation Fund LLC (DE)  | PineBridge Global Dynamic Asset Allocation Fund LLC (DE)  |
|  |  | 3) | PineBridge Global Opportunistic DM Credit GP LLC (DE)  | PineBridge Global Opportunistic DM Credit GP LLC (DE)  |
|  |  | a) | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Fund (Cayman) LP (CYM) - PineBridge Global Opportunistic <br> DM Credit GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Fund (Cayman) <br> LP (the "Fund"). 100% of the limited partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Fund (Cayman) LP (CYM) - PineBridge Global Opportunistic <br> DM Credit GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Fund (Cayman) <br> LP (the "Fund"). 100% of the limited partnership interests of the Fund are held by third parties.  |
|  |  | b) | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Fund LP (DE) - PineBridge Global Opportunistic DM Credit <br> GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Fund LP (the "Fund"). 100% <br> of the limited partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Fund LP (DE) - PineBridge Global Opportunistic DM Credit <br> GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Fund LP (the "Fund"). 100% <br> of the limited partnership interests of the Fund are held by third parties.  |
|  |  | c) | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Master Fund LP (CYM) - PineBridge Global Opportunistic DM <br> Credit GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Master Fund LP (the <br> "Fund"). 100% of the limited partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Global Opportunistic DM Credit Master Fund LP (CYM) - PineBridge Global Opportunistic DM <br> Credit GP LLC is the general partner of PineBridge Global Opportunistic DM Credit Master Fund LP (the <br> "Fund"). 100% of the limited partnership interests of the Fund are held by third parties.  |
|  |  | 4) | PineBridge Private Capital Holdings LLC (DE)  | PineBridge Private Capital Holdings LLC (DE)  |
|  |  | 5) | PineBridge Private Credit General Partner, LLC (DE)  | PineBridge Private Credit General Partner, LLC (DE)  |
|  |  | a) | &nbsp;&nbsp; PineBridge Private Credit General Partner, L.P. - PineBridge Private Credit General Partner, LLC is the <br> general partner of PineBridge Private Credit General Partner, L.P. (the "Fund"). 42.54% of the limited <br> partnership interests of Fund are held by employees and 57.46% are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit General Partner, L.P. - PineBridge Private Credit General Partner, LLC is the <br> general partner of PineBridge Private Credit General Partner, L.P. (the "Fund"). 42.54% of the limited <br> partnership interests of Fund are held by employees and 57.46% are held by third parties.  |
|  |  |  | (1) | &nbsp;&nbsp; PineBridge Private Credit (Feeder A), L.P. (DE) - PineBridge Private Credit General Partner, L.P. is <br> the general partner of PineBridge Private Credit (Feeder A), L.P. (the "Fund"). 100% of the limited <br> partnership interests of Fund are held by third parties.  |
|  |  |  | (2) | &nbsp;&nbsp; PineBridge Private Credit Rated Feeder, L.P. (DE) - PineBridge Private Credit General Partner, L.P. is <br> the general partner of PineBridge Private Credit, L.P. (the "Fund"). The following affiliates hold <br> limited partnership interests in the Fund: PineBridge Private Credit General Partner, L.P. holds <br> 1.07%, PB PC Blocker A, Inc. holds 12.16%, PineBridge Private Credit Rated Feeder, L.P. holds 84.28%, <br> and 0.06% are held by employees. The remaining limited partnership interests are held by third <br> parties.  |
|  |  |  | (3) | &nbsp;&nbsp; PineBridge Private Credit, L.P. (DE) - PineBridge Private Credit General Partner, L.P. is the general <br> partner of PineBridge Private Credit, L.P. (the "Fund"). The following affiliates hold limited <br> partnership interests in the Fund: PineBridge Private Credit General Partner, L.P. holds 1.07%, PB PC <br> Blocker A, Inc. holds 12.16%, PineBridge Private Credit Rated Feeder, L.P. holds 84.28%, and 0.06% <br> are held by employees. The remaining limited partnership interests are held by third parties.  |
|  |  |  | (a) | PineBridge Private Credit Holdings I, LLC (DE)  |
|  |  |  | (b) | PBPC I Ski, Inc. (DE)  |
|  |  | b) | &nbsp;&nbsp; PineBridge Private Credit Parallel (Feeder), L.P. (DE) - PineBridge Private Credit General Partner, LLC is <br> the general partner of PineBridge Private Credit Parallel (Feeder), L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit Parallel (Feeder), L.P. (DE) - PineBridge Private Credit General Partner, LLC is <br> the general partner of PineBridge Private Credit Parallel (Feeder), L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
|  |  |  | (1) | PB PC Blocker Parallel, Inc. (DE)  |
|  |  | c) | &nbsp;&nbsp; PineBridge Private Credit Parallel, L.P. (DE) - PineBridge Private Credit General Partner, LLC is the <br> general partner of PineBridge Private Credit Parallel, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by PB PC Blocker Parallel, Inc.  | &nbsp;&nbsp; PineBridge Private Credit Parallel, L.P. (DE) - PineBridge Private Credit General Partner, LLC is the <br> general partner of PineBridge Private Credit Parallel, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by PB PC Blocker Parallel, Inc.  |
|  |  |  | (1) | PBPC I Parallel Ski, Inc. (DE)  |

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|:---|:---|:---|
| 6) | PineBridge Private Credit II General Partner, LLC (DE)  | PineBridge Private Credit II General Partner, LLC (DE)  |
| a) | &nbsp;&nbsp; PineBridge Private Credit II General Partner, L.P. (DE) - PineBridge Private Credit II General Partner, <br> LLC is the general partner of PineBridge Private Credit II General Partner, L.P. (the "Fund"). 60% of the <br> limited partnership interests of the Fund are held by employees. The remaining limited partnership <br> interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit II General Partner, L.P. (DE) - PineBridge Private Credit II General Partner, <br> LLC is the general partner of PineBridge Private Credit II General Partner, L.P. (the "Fund"). 60% of the <br> limited partnership interests of the Fund are held by employees. The remaining limited partnership <br> interests of the Fund are held by third parties.  |
|  | (1) | &nbsp;&nbsp; PineBridge Private Credit II Parallel, L.P. (DE) - PineBridge Private Credit II General Partner, L.P. is <br> the general partner of PineBridge Private Credit II Parallel, L.P. (the "Fund"). The following affiliates <br> hold limited partnership interests in the Fund: PineBridge Private Credit II General Partner, L.P. <br> holds 0.04%, PineBridge Private Credit II Parallel RFF, L.P. holds 75.44%, and PineBridge Private <br> Credit II Blocker Series B, LLC hold 9.43%. The remaining interests are held by third parties.  |
|  | (2) | &nbsp;&nbsp; PineBridge Private Credit II, L.P. (DE) - PineBridge Private Credit II General Partner, L.P. is the <br> general partner of PineBridge Private Credit II, L.P. (the "Fund"). The following affiliates hold limited <br> partnership interests in the Fund: PineBridge Private Credit II General Partner, l.P. hold 2.08%, <br> PineBridge Private Credit II RFF, L.P. holds 90.16%, and PineBridge Private Credit II Blocker Series <br> A, LLC holds 2.50%. The remaining limited partnership interests are held by third parties.  |
|  | (a) | &nbsp;&nbsp; PineBridge Private Credit Holdings II, LLC (DE) - 100.00% of the votig interests of PineBridge <br> Private Credit Holdings II, LLC are held by PineBridge Private Credit II, L.P. 100.00% of the <br> non-voting interests of PineBridge Private Credit Holdings II, LLC are held by PineBridge Private <br> Credit Parallel, L.P.  |
|  | (b) | PineBridge Private Credit II Holdings Lev, LLC (DE)  |
| b) | &nbsp;&nbsp; PineBridge Private Credit II Parallel RFF, L.P. (DE) - PineBridge Private Credit II General Partner, LLC is <br> the general partner of PineBridge Private Credit II Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests in the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit II Parallel RFF, L.P. (DE) - PineBridge Private Credit II General Partner, LLC is <br> the general partner of PineBridge Private Credit II Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests in the Fund are held by third parties.  |
| c) | &nbsp;&nbsp; PineBridge Private Credit II RFF, L.P. (DE) - PineBridge Private Credit II General Partner, LLC is the <br> general partner of PineBridge Private Credit II RFF, L.P. (the Fund"). 100% of the limited partnership <br> interests in the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit II RFF, L.P. (DE) - PineBridge Private Credit II General Partner, LLC is the <br> general partner of PineBridge Private Credit II RFF, L.P. (the Fund"). 100% of the limited partnership <br> interests in the Fund are held by third parties.  |
| d) | &nbsp;&nbsp; PineBridge Private Credit II Series Feeder, L.P. (DE) - PineBridge Private Credit II General Partner, LLC <br> is the general partner of PineBridge Private Credit II Series Feeder, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit II Series Feeder, L.P. (DE) - PineBridge Private Credit II General Partner, LLC <br> is the general partner of PineBridge Private Credit II Series Feeder, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
|  | (1) | PineBridge Private Credit II Blocker Series, LLC (DE)  |
| 7) | PineBridge Private Credit III General Partner, LLC (DE)  | PineBridge Private Credit III General Partner, LLC (DE)  |
| a) | PineBridge Private Credit III Blocker (V) Member, L.P. (DE)  | PineBridge Private Credit III Blocker (V) Member, L.P. (DE)  |
| b) | &nbsp;&nbsp; PineBridge Private Credit III General Partner, L.P. (DE) - PineBridge Private Credit III General Partner, <br> LLC is the general partner of PineBridge Private Credit III General Partner, L.P. (the "Fund GP"). 60% of <br> limited partnership interests of the Fund GP are held by PB Employees and the remaining limited <br> partnership interests are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit III General Partner, L.P. (DE) - PineBridge Private Credit III General Partner, <br> LLC is the general partner of PineBridge Private Credit III General Partner, L.P. (the "Fund GP"). 60% of <br> limited partnership interests of the Fund GP are held by PB Employees and the remaining limited <br> partnership interests are held by third parties.  |
|  | (1) | &nbsp;&nbsp; PineBridge Private Credit III Parallel, L.P. (DE) - PineBridge Private Credit III General Partner, L.P. <br> is the general partner of PineBridge Private Credit III Parallel, L.P. (the "Fund"). The following <br> affiliates hold limited partnership interests in the Fund: PineBridge Private Credit III General <br> Partner, L.P. hold 0.02%, PineBridge Private Credit III Blocker Series LLC (Series B) holds 9.98%, <br> PineBridge Private Credit III Blocker Series, LLC (Series C) holds 3.06%, PineBridge Private Credit <br> III Parallel RFF, L.P. holds 63.87%, and PineBridge Private Credit III Parallel RFF (A), L.P. holds <br> 20.08%. The remaining limited partnership interests are held by third parties.  |
|  | (2) | &nbsp;&nbsp; PineBridge Private Credit III, L.P. (DE) - PineBridge Private Credit III General Partner, L.P. is the <br> general partner of PineBridge Private Credit III, L.P. (the "Fund"). The following affiliates hold <br> limited partnership interests in the Fund: PineBridge Private Credit III General Partner, L.P. holds <br> 1.51%, PineBridge Private Credit III Blocker Series, LLC (Series A) holds 8.67%, PineBridge Private <br> Credit III Blocker Series, LLC (Series D) holds 14.45%, PineBridge Private Credit III RFF, L.P. holds <br> 69.41%, and 0.29% is held by employees. The remaining limited partnership interests are held by third <br> parties.  |
|  | (a) | PineBridge Private Credit III Holdings Lev, LLC (DE)  |

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| c) | &nbsp;&nbsp; PineBridge Private Credit III Parallel Feeder (S), L.P. (DE) - PineBridge Private Credit III General <br> Partner, LLC is the general partner of PineBridge Private Credit III Parallel Feeder (S), L.P. (the "Fund"). <br> 100% of the limited partnership interests of the Fund are held by third parties.  |
| d) | &nbsp;&nbsp; PineBridge Private Credit III Parallel Feeder Blocker, LLC (DE) - 100 of the voting interests of PineBridge <br> Private Credit III Parallel Feeder Blocker, LLC are held by PineBridge Private Credit III General Partner, <br> LLC. 97.9% of the non-voting interests of PineBridge Private Credit III Parallel Feeder Blocker, LLC are <br> held by PineBridge Private Credit III Parallel Feeder (S) LP, and 2.10% by PineBridge Private Credit III <br> Blocker (V) Member LP.  |
| e) | &nbsp;&nbsp; Pinebridge Private Credit III Parallel RFF (A), L.P. (DE) - PineBridge Private Credit III General Partner, <br> LLC is the general partner of PineBridge Private Credit III Parallel RFF (A), L.P. (the "Fund"). 30.43% of <br> the limited partnership interests of the Fund are held by PineBridge Private Credit III Parallel Feeder <br> Blocker LLC. The remaining limited partnership interests are held by third parties.  |
| f) | &nbsp;&nbsp; PineBridge Private Credit III Parallel RFF, L.P. (DE) - PineBridge Private Credit III General Partner, LLC <br> is the general partner of PineBridge Private Credit III Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
| g) | &nbsp;&nbsp; PineBridge Private Credit III RFF, L.P. (DE) - PineBridge Private Credit III General Partner, LLC is the <br> general partner of PineBridge Private Credit III RFF, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by third parties.  |
| h) | &nbsp;&nbsp; PineBridge Private Credit III Series Feeder, L.P. (DE) - PineBridge Private Credit III General Partner, LLC <br> is the general partner of PineBridge Private Credit III Series Feeder, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
|  | &nbsp;&nbsp; PineBridge Private Credit III Blocker Series, LLC (DE) - 100% of the voting interests of PineBridge <br> Private Credit III Blocker Series, LLC are held by PineBridge Private Credit III Series Feeder, L.P. <br> 1.06% of non-voting interests of PineBridge Private Credit III Blocker Series, LLC is owned by <br> PineBridge Private Credit III General Partner, L.P. and 98.94% is owned by PineBridge Private Credit <br> III Series Feeder, L.P.  |
| 8) | PineBridge Private Credit IV General Partner, LLC (DE)  |
| a) | &nbsp;&nbsp; PineBridge Private Credit IV Offshore Holdings, L.P. (DE) - PineBridge Private Credit IV General Partner, <br> LLC is the general partner of PineBridge Private Credit IV Offshore Holdings, L.P. (the "Fund") 100% of <br> the limited partnership interests of the Fund are held by PineBridge Private Credit IV Offshore Series <br> Blocker, LLC.  |
| b) | &nbsp;&nbsp; PineBridge Private Credit IV Aggregator, LLC (DE) - 100% of the voting interests of PineBridge Private <br> Credit IV Aggregator, LLC are held by PineBridge Private Credit IV General Partner, LLC. 4.78% of <br> non-voting interest PineBridge Private Credit IV Aggregator, LLC is held by PineBridge Private Credit IV, <br> L.P. 87.14% of PineBridge Private Credit IV Aggregator, LLC is held by PineBridge Private Credit IV <br> Parallel, L.P. 8.08% of PineBridge Private Credit IV Aggregator, LLC is held by PineBridge Private Credit IV <br> Offshore Holdings, L.P.  |
| c) | &nbsp;&nbsp; Pinebridge Private Credit IV Blocker Series, LLC (DE) - 100% of the voting interests of Pinebridge Private <br> Credit IV Blocker Series, LLC are held by PineBridge Private Credit IV General Partner, LLC. 100% of <br> non-voting securities of Pinebridge Private Credit IV Blocker Series, LLC are held by PineBridge Private <br> Credit IV Series Feeder, L.P.  |
| d) | &nbsp;&nbsp; PineBridge Private Credit IV General Partner, L.P. (DE) - PineBridge Private Credit IV General Partner, <br> LLC is the general partner of PineBridge Private Credit IV General Partner, L.P. (the "Fund"). 65% of the <br> limited partnership interests of the Fund are held by employees. The remaining limited partnership <br> interests of the Fund are held by third parties.  |
|  | &nbsp;&nbsp; PineBridge Private Credit IV Parallel, L.P. (DE) - PineBridge Private Credit IV General Partner, L.P. is <br> the general partner of PineBridge Private Credit IV Parallel, L.P. (the "Fund"). The following affiliates <br> hold limited partnership interests in the Fund: PineBridge Private Credit IV General Partner, L.P. <br> owns 0.02%, and PineBridge Private Credit IV Parallel RFF, L.P. owns 90.89%. The remaining limited <br> partnership interests are held by third parties.  |

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|  | (2) | &nbsp;&nbsp; PineBridge Private Credit IV, L.P. (DE) - PineBridge Private Credit IV General Partner, L.P. is the <br> general partner of PineBridge Private Credit IV, L.P. (the "Fund"). The following affiliates hold <br> limited partnership interests in the Fund: PineBridge Private Credit IV General Partner, L.P. owns <br> 0.33%, and PineBridge Private Credit IV RFF, L.P. owns 99.44%. The remaining limited partnership <br> interests are held by employees.  | &nbsp;&nbsp; PineBridge Private Credit IV, L.P. (DE) - PineBridge Private Credit IV General Partner, L.P. is the <br> general partner of PineBridge Private Credit IV, L.P. (the "Fund"). The following affiliates hold <br> limited partnership interests in the Fund: PineBridge Private Credit IV General Partner, L.P. owns <br> 0.33%, and PineBridge Private Credit IV RFF, L.P. owns 99.44%. The remaining limited partnership <br> interests are held by employees.  |
|  |  | (a) | PineBridge Private Credit IV Holdings Lev, LLC (DE)  |
| e) | &nbsp;&nbsp; PineBridge Private Credit IV Parallel RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is <br> the general partner of PineBridge Private Credit IV Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit IV Parallel RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is <br> the general partner of PineBridge Private Credit IV Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit IV Parallel RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is <br> the general partner of PineBridge Private Credit IV Parallel RFF, L.P. (the "Fund"). 100% of the limited <br> partnership interests of the Fund are held by third parties.  |
| f) | &nbsp;&nbsp; PineBridge Private Credit IV RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is the <br> general partner of PineBridge Private Credit IV RFF, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit IV RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is the <br> general partner of PineBridge Private Credit IV RFF, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit IV RFF, L.P. (DE) - PineBridge Private Credit IV General Partner, LLC is the <br> general partner of PineBridge Private Credit IV RFF, L.P. (the "Fund"). 100% of the limited partnership <br> interests of the Fund are held by third parties.  |
| g) | &nbsp;&nbsp; Pinebridge Private Credit IV Series Feeder, L.P. (DE) - This entity currently not in operation and no LPs <br> invested in it yet.  | &nbsp;&nbsp; Pinebridge Private Credit IV Series Feeder, L.P. (DE) - This entity currently not in operation and no LPs <br> invested in it yet.  | &nbsp;&nbsp; Pinebridge Private Credit IV Series Feeder, L.P. (DE) - This entity currently not in operation and no LPs <br> invested in it yet.  |
| 9) | PineBridge Vantage Partners LLC (DE)  | PineBridge Vantage Partners LLC (DE)  | PineBridge Vantage Partners LLC (DE)  |
| a) | PineBridge Co-Investment Feeder, Ltd. (CYM)  | PineBridge Co-Investment Feeder, Ltd. (CYM)  | PineBridge Co-Investment Feeder, Ltd. (CYM)  |
| b) | &nbsp;&nbsp; PineBridge Vantage Partners GP, L.P. (DE) - PineBridge Vantage Partners LLC is the general partner of <br> PineBridge Vantage Partners GP, L.P. (the "Fund GP"). 100% of the limited partnership interests of the <br> Fund GP are held by third parties.  | &nbsp;&nbsp; PineBridge Vantage Partners GP, L.P. (DE) - PineBridge Vantage Partners LLC is the general partner of <br> PineBridge Vantage Partners GP, L.P. (the "Fund GP"). 100% of the limited partnership interests of the <br> Fund GP are held by third parties.  | &nbsp;&nbsp; PineBridge Vantage Partners GP, L.P. (DE) - PineBridge Vantage Partners LLC is the general partner of <br> PineBridge Vantage Partners GP, L.P. (the "Fund GP"). 100% of the limited partnership interests of the <br> Fund GP are held by third parties.  |
| 10) | &nbsp;&nbsp; PineBridge Global Dynamic Absolute Return Fund LLC (DE) - PineBridge Investments LLC hold 100% of the <br> voting interest of PineBridge Global Dynamic Absolute Return Fund LLC (the "Fund"). 99.75% of the <br> non-voting interests of the Fund are held by third parties and 0.25% are held by PineBridge Investments LLC.  | &nbsp;&nbsp; PineBridge Global Dynamic Absolute Return Fund LLC (DE) - PineBridge Investments LLC hold 100% of the <br> voting interest of PineBridge Global Dynamic Absolute Return Fund LLC (the "Fund"). 99.75% of the <br> non-voting interests of the Fund are held by third parties and 0.25% are held by PineBridge Investments LLC.  | &nbsp;&nbsp; PineBridge Global Dynamic Absolute Return Fund LLC (DE) - PineBridge Investments LLC hold 100% of the <br> voting interest of PineBridge Global Dynamic Absolute Return Fund LLC (the "Fund"). 99.75% of the <br> non-voting interests of the Fund are held by third parties and 0.25% are held by PineBridge Investments LLC.  |
| 11) | PineBridge Highstar (SPE) LLC (DE)  | PineBridge Highstar (SPE) LLC (DE)  | PineBridge Highstar (SPE) LLC (DE)  |
| 12) | PineBridge Investments Management LLC (DE)  | PineBridge Investments Management LLC (DE)  | PineBridge Investments Management LLC (DE)  |
| 13) | PineBridge European Real Estate GP, LLC (CYM)  | PineBridge European Real Estate GP, LLC (CYM)  | PineBridge European Real Estate GP, LLC (CYM)  |
| a) | &nbsp;&nbsp; PineBridge European Real Estate SPV, L.P. (CYM) - PineBridge European Real Estate GP, LLC is the <br> general partner of PineBridge European Real Estate SPV, L.P. (the "Fund"). 100% of the limited <br> partnership interests of Fund are held third parties.  | &nbsp;&nbsp; PineBridge European Real Estate SPV, L.P. (CYM) - PineBridge European Real Estate GP, LLC is the <br> general partner of PineBridge European Real Estate SPV, L.P. (the "Fund"). 100% of the limited <br> partnership interests of Fund are held third parties.  | &nbsp;&nbsp; PineBridge European Real Estate SPV, L.P. (CYM) - PineBridge European Real Estate GP, LLC is the <br> general partner of PineBridge European Real Estate SPV, L.P. (the "Fund"). 100% of the limited <br> partnership interests of Fund are held third parties.  |
| 14) | &nbsp;&nbsp; PineBridge Senior Secured Loan US Fund LLC (DE) - PineBridge Investments LLC hold 100% of the voting <br> interest of PineBridge Senior Secured Loan US Fund LLC. 100% of the non-voting interests of the Fund are held <br> by third parties.  | &nbsp;&nbsp; PineBridge Senior Secured Loan US Fund LLC (DE) - PineBridge Investments LLC hold 100% of the voting <br> interest of PineBridge Senior Secured Loan US Fund LLC. 100% of the non-voting interests of the Fund are held <br> by third parties.  | &nbsp;&nbsp; PineBridge Senior Secured Loan US Fund LLC (DE) - PineBridge Investments LLC hold 100% of the voting <br> interest of PineBridge Senior Secured Loan US Fund LLC. 100% of the non-voting interests of the Fund are held <br> by third parties.  |
| 15) | PineBridge Structured Capital General Partner III LLC (DE)  | PineBridge Structured Capital General Partner III LLC (DE)  | PineBridge Structured Capital General Partner III LLC (DE)  |
| a) | &nbsp;&nbsp; PineBridge Structured Capital General Partner III, L.P. (DE) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital General Partner III, L.P. (the <br> "Fund"). 16.51% of the limited partnership interest of Fund are held by current and former employees and <br> 83.49% held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital General Partner III, L.P. (DE) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital General Partner III, L.P. (the <br> "Fund"). 16.51% of the limited partnership interest of Fund are held by current and former employees and <br> 83.49% held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital General Partner III, L.P. (DE) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital General Partner III, L.P. (the <br> "Fund"). 16.51% of the limited partnership interest of Fund are held by current and former employees and <br> 83.49% held by third parties.  |
|  | (1) | &nbsp;&nbsp; PSC III Arch AIV I, L.P. (CYM) - PineBridge Structured Capital General Partner III, L.P.is the general <br> partner of PSC III Arch AIV I, L.P. (the "AIV"). 99.21% of the limited partnership interests of the AIV <br> are held by PSC III Arch EP Blocker Inc and 0.79% held by PineBridge Structured Capital General <br> Partner III, L.P.  | &nbsp;&nbsp; PSC III Arch AIV I, L.P. (CYM) - PineBridge Structured Capital General Partner III, L.P.is the general <br> partner of PSC III Arch AIV I, L.P. (the "AIV"). 99.21% of the limited partnership interests of the AIV <br> are held by PSC III Arch EP Blocker Inc and 0.79% held by PineBridge Structured Capital General <br> Partner III, L.P.  |
|  | (2) | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore III-A, L.P.(CYM) - PineBridge Structured Capital <br> General Partner III, L.P. is the general partner of PineBridge Structured Capital Partners Offshore <br> III-A, L.P. (the "Fund"). The following affiliates hold limited partnership interests in the Fund: <br> PineBridge Structured Capital General Partner III, L.P. holds 0.79%. The remaining limited <br> partnership interests are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore III-A, L.P.(CYM) - PineBridge Structured Capital <br> General Partner III, L.P. is the general partner of PineBridge Structured Capital Partners Offshore <br> III-A, L.P. (the "Fund"). The following affiliates hold limited partnership interests in the Fund: <br> PineBridge Structured Capital General Partner III, L.P. holds 0.79%. The remaining limited <br> partnership interests are held by third parties.  |
| b) | &nbsp;&nbsp; PineBridge Structured Capital Partners III (Feeder), L.P. (CYM) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital Partners III (Feeder), L.P. (the <br> "Fund"). 100% of the limited partnership interests of Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners III (Feeder), L.P. (CYM) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital Partners III (Feeder), L.P. (the <br> "Fund"). 100% of the limited partnership interests of Fund are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners III (Feeder), L.P. (CYM) - PineBridge Structured Capital General <br> Partner III LLC is the general partner of PineBridge Structured Capital Partners III (Feeder), L.P. (the <br> "Fund"). 100% of the limited partnership interests of Fund are held by third parties.  |

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| c) | &nbsp;&nbsp; PineBridge Structured Capital Partners III, L.P. (DE) - PineBridge Structured Capital General Partner III <br> LLC is the general partner of PineBridge Structured Capital Partners III, L.P. (the "Fund"). The following <br> affiliates hold limited partnership interests in the Fund: PSC III Splitter 1 LP holds 41.10%, and <br> PineBridge Structured Capital General Partner III, L.P. holds 4.61%. The remaining limited partnership <br> interests are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners III, L.P. (DE) - PineBridge Structured Capital General Partner III <br> LLC is the general partner of PineBridge Structured Capital Partners III, L.P. (the "Fund"). The following <br> affiliates hold limited partnership interests in the Fund: PSC III Splitter 1 LP holds 41.10%, and <br> PineBridge Structured Capital General Partner III, L.P. holds 4.61%. The remaining limited partnership <br> interests are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners III, L.P. (DE) - PineBridge Structured Capital General Partner III <br> LLC is the general partner of PineBridge Structured Capital Partners III, L.P. (the "Fund"). The following <br> affiliates hold limited partnership interests in the Fund: PSC III Splitter 1 LP holds 41.10%, and <br> PineBridge Structured Capital General Partner III, L.P. holds 4.61%. The remaining limited partnership <br> interests are held by third parties.  |
|  | (1) | PB Riveron Blocker, Inc. (DE)  | PB Riveron Blocker, Inc. (DE)  |
|  | (2) | PB Riveron-A Blocker, Inc. (DE)  | PB Riveron-A Blocker, Inc. (DE)  |
|  | (3) | &nbsp;&nbsp; PSC III AIV I, L.P. (DE) - PineBridge Structured Capital Partners III, L.P. is the general partner of <br> PSC III AIV I, L.P. (the "AIV"). 54.29% of the limited partnership interests of the AIV are held by third <br> parties, 41.10% are held by PSC III Splitter 1, L.P., and 4.61% are held by PineBridge Structured <br> Capital General Partner III, L.P.  | &nbsp;&nbsp; PSC III AIV I, L.P. (DE) - PineBridge Structured Capital Partners III, L.P. is the general partner of <br> PSC III AIV I, L.P. (the "AIV"). 54.29% of the limited partnership interests of the AIV are held by third <br> parties, 41.10% are held by PSC III Splitter 1, L.P., and 4.61% are held by PineBridge Structured <br> Capital General Partner III, L.P.  |
| d) | &nbsp;&nbsp; PSC III Arch Feeder I, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Arch Feeder I, L.P. (the "Feeder Fund"). 100% of the limited partnership interest of <br> Feeder Fund are held by PineBridge Structured Capital Partners Offshore III-A L.P.  | &nbsp;&nbsp; PSC III Arch Feeder I, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Arch Feeder I, L.P. (the "Feeder Fund"). 100% of the limited partnership interest of <br> Feeder Fund are held by PineBridge Structured Capital Partners Offshore III-A L.P.  | &nbsp;&nbsp; PSC III Arch Feeder I, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Arch Feeder I, L.P. (the "Feeder Fund"). 100% of the limited partnership interest of <br> Feeder Fund are held by PineBridge Structured Capital Partners Offshore III-A L.P.  |
|  | (1) | PSC III Arch EP Blocker, Inc. (DE)  | PSC III Arch EP Blocker, Inc. (DE)  |
|  | (2) | &nbsp;&nbsp; PSC III EP Blocker, Inc. (DE) - 100% of the voting interests of PSC III EP Blocker, Inc. are held by <br> PSC III Arch Feeder I, L.P. 100% of the non-voting interest of PSC III EP Blocker, Inc. are held by <br> PineBridge Structured Capital Partners III (Feeder), L.P.  | &nbsp;&nbsp; PSC III EP Blocker, Inc. (DE) - 100% of the voting interests of PSC III EP Blocker, Inc. are held by <br> PSC III Arch Feeder I, L.P. 100% of the non-voting interest of PSC III EP Blocker, Inc. are held by <br> PineBridge Structured Capital Partners III (Feeder), L.P.  |
| e) | &nbsp;&nbsp; PSC III Blocker, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Blocker, L.P. (the "Blocker"). 100% of the limited partnership interest of the Blocker are <br> held by PineBridge Structured Capital Partners III (Feeder), L.P.  | &nbsp;&nbsp; PSC III Blocker, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Blocker, L.P. (the "Blocker"). 100% of the limited partnership interest of the Blocker are <br> held by PineBridge Structured Capital Partners III (Feeder), L.P.  | &nbsp;&nbsp; PSC III Blocker, L.P. (CYM) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Blocker, L.P. (the "Blocker"). 100% of the limited partnership interest of the Blocker are <br> held by PineBridge Structured Capital Partners III (Feeder), L.P.  |
| f) | &nbsp;&nbsp; PSC III Splitter 1, L.P. (DE) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Splitter 1, L.P. (the "Fund"). 100% of the limited partnership interests of Fund are held <br> by PSC III Blocker, L.P.  | &nbsp;&nbsp; PSC III Splitter 1, L.P. (DE) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Splitter 1, L.P. (the "Fund"). 100% of the limited partnership interests of Fund are held <br> by PSC III Blocker, L.P.  | &nbsp;&nbsp; PSC III Splitter 1, L.P. (DE) - PineBridge Structured Capital General Partner III LLC is the general <br> partner of PSC III Splitter 1, L.P. (the "Fund"). 100% of the limited partnership interests of Fund are held <br> by PSC III Blocker, L.P.  |
| 16) | PineBridge Structured Capital II GP, LLC (DE) -  | PineBridge Structured Capital II GP, LLC (DE) -  | PineBridge Structured Capital II GP, LLC (DE) -  |
| a) | &nbsp;&nbsp; PineBridge Structured Capital General Partner II, LP - PineBridge Structured Capital II GP, LLC is the <br> general partner of PineBridge Structured Capital General Partner II, LP (the "Fund"). 80% of the limited <br> partnership interests of the Fund are held by current and former employees and 20% are held by third <br> parties.  | &nbsp;&nbsp; PineBridge Structured Capital General Partner II, LP - PineBridge Structured Capital II GP, LLC is the <br> general partner of PineBridge Structured Capital General Partner II, LP (the "Fund"). 80% of the limited <br> partnership interests of the Fund are held by current and former employees and 20% are held by third <br> parties.  | &nbsp;&nbsp; PineBridge Structured Capital General Partner II, LP - PineBridge Structured Capital II GP, LLC is the <br> general partner of PineBridge Structured Capital General Partner II, LP (the "Fund"). 80% of the limited <br> partnership interests of the Fund are held by current and former employees and 20% are held by third <br> parties.  |
|  | (1) | PineBridge Structured Capital General Partner Offshore II, LLC (DE)  | PineBridge Structured Capital General Partner Offshore II, LLC (DE)  |
|  | (a) | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore II, L.P. (CYM) - PineBridge Structured Capital <br> General Partner Offshore II, LLC is the general partner of PineBridge Structured Capital <br> Partners Offshore II, L.P. (the "Fund"). The following affiliates hold limited partnership interests <br> in the Fund: PineBridge Structured Capital General Partner Offshore II, LLC holds 0.67%. The <br> remaining limited partnership interests are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore II, L.P. (CYM) - PineBridge Structured Capital <br> General Partner Offshore II, LLC is the general partner of PineBridge Structured Capital <br> Partners Offshore II, L.P. (the "Fund"). The following affiliates hold limited partnership interests <br> in the Fund: PineBridge Structured Capital General Partner Offshore II, LLC holds 0.67%. The <br> remaining limited partnership interests are held by third parties.  |
|  |  | i. | PB SC II BN Blocker, Inc. (DE)  |
|  |  | ii. | PB SC II UCC Blocker, Inc. (DE)  |
|  |  | iii. | PG Investment Corp II, Inc. (DE)  |
|  |  | iv. | &nbsp;&nbsp; RP BN Blocker, Inc. (DE) - 100.00% of the voting interests of RP BN Blocker, Inc. areheld by <br> PineBridge Structured Capital Partners Offshre II, L.P. 100.00% of the non-voting interests <br> of RP BN Blocker, Inc. are held by third parties.  |
|  | (b) | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore II-A, L.P. (CYM) - PineBridge Structured <br> Capital General Partner Offshore II, LLC is the general partner of PineBridge Structured Capital <br> Partners Offshore II-A, L.P. (the "Fund"). The following affiliates hold limited partnership <br> interests in the Fund: PineBridge Structured Capital General Partner Offshore II, LLC holds <br> 0.67%. The remaining limited partneship interests are held by third parties.  | &nbsp;&nbsp; PineBridge Structured Capital Partners Offshore II-A, L.P. (CYM) - PineBridge Structured <br> Capital General Partner Offshore II, LLC is the general partner of PineBridge Structured Capital <br> Partners Offshore II-A, L.P. (the "Fund"). The following affiliates hold limited partnership <br> interests in the Fund: PineBridge Structured Capital General Partner Offshore II, LLC holds <br> 0.67%. The remaining limited partneship interests are held by third parties.  |
|  |  | i. | PB SC II-A BN Blocker, Inc. (DE)  |
|  |  | ii. | PB SC II-A UCC Blocker Inc. (DE)  |
|  |  | iii. | PG Investment Corp II-A, Inc. (DE)  |

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|  |  |  | (2) | &nbsp;&nbsp; PineBridge Structured Capital Partners II, L.P. (DE) - PineBridge Structured Capital General Partner <br> II, LP is the general partner of PineBridge Structured Capital Partners II, L.P. (the "Fund"). The <br> following affiliates hold limited partnership interests in the Fund: PineBridge Structured Capital II <br> Sponsor, LLC holds 43.02%, and PineBridge Structured Capital General Partner II, L.P. holds 1.556%. <br> The remaining limited partnership interests are held by third parties.  |
|  |  | 17) | PineBridge Flexible Credit Implementation, LLC (DE)  | PineBridge Flexible Credit Implementation, LLC (DE)  |
|  |  | a) | &nbsp;&nbsp; PineBridge Flexible Credit Offshore Fund, LLC (CYM) - 100.00% of the voting interests of PineBridge <br> Flexible Credit Offshore Fund, LLC are held by PineBridge Flexible Credit Implementation, LLC. 100.00% <br> of the non-voting interests of PineBridge Flexible Credit Offshore Fund, LLC are held by third parties.  | &nbsp;&nbsp; PineBridge Flexible Credit Offshore Fund, LLC (CYM) - 100.00% of the voting interests of PineBridge <br> Flexible Credit Offshore Fund, LLC are held by PineBridge Flexible Credit Implementation, LLC. 100.00% <br> of the non-voting interests of PineBridge Flexible Credit Offshore Fund, LLC are held by third parties.  |
|  |  | b) | &nbsp;&nbsp; PineBridge Flexible Credit Onshore Fund, LLC (DE) - 100.00% of the voting interests of PineBridge <br> Flexible Credit Onshore Fund, LLC are held by PineBridge Flexible Credit Implementation, LLC. 99.46% of <br> the non-voting interests of PineBridge Flexible Credit Onshore Fund, LLC are held by third parties. 0.54% <br> of the non-voting interests of PineBridge Flexible Credit Onshore Fund, LLC are held by PineBridge <br> Investments Holdings US LLC.  | &nbsp;&nbsp; PineBridge Flexible Credit Onshore Fund, LLC (DE) - 100.00% of the voting interests of PineBridge <br> Flexible Credit Onshore Fund, LLC are held by PineBridge Flexible Credit Implementation, LLC. 99.46% of <br> the non-voting interests of PineBridge Flexible Credit Onshore Fund, LLC are held by third parties. 0.54% <br> of the non-voting interests of PineBridge Flexible Credit Onshore Fund, LLC are held by PineBridge <br> Investments Holdings US LLC.  |
|  |  | 1) | &nbsp;&nbsp; PB PC Blocker A, Inc. (DE) - 100% of the voting securities of PB PC Blocker A, Inc. are held by PineBridge <br> Investments LLC. 99.80% of the non-voting securities of PB PC Blocker A, Inc. are held by PineBridge Private <br> Credit (Feeder A), L.P. and 0.20% by PineBridge Private Credit General Partner, L.P.  | &nbsp;&nbsp; PB PC Blocker A, Inc. (DE) - 100% of the voting securities of PB PC Blocker A, Inc. are held by PineBridge <br> Investments LLC. 99.80% of the non-voting securities of PB PC Blocker A, Inc. are held by PineBridge Private <br> Credit (Feeder A), L.P. and 0.20% by PineBridge Private Credit General Partner, L.P.  |
|  |  | 1) | PineBridge Private Credit IV Offshore GP, S.à.r.l. (Luxembourg)  | PineBridge Private Credit IV Offshore GP, S.à.r.l. (Luxembourg)  |
|  |  | a) | &nbsp;&nbsp; PineBridge Private Credit IV Offshore SLP (Luxembourg) - 100.00% of the voting interests of PineBridge <br> Private Credit IV Offshore SLP are held by PineBridge Private Credit IV Offshore GP, S.a.r.l. 100% of the <br> economic interests of PineBridge Private Credit IV Offshore SLP are held by third parties.  | &nbsp;&nbsp; PineBridge Private Credit IV Offshore SLP (Luxembourg) - 100.00% of the voting interests of PineBridge <br> Private Credit IV Offshore SLP are held by PineBridge Private Credit IV Offshore GP, S.a.r.l. 100% of the <br> economic interests of PineBridge Private Credit IV Offshore SLP are held by third parties.  |
|  |  |  | (1) | &nbsp;&nbsp; PineBridge Private Credit IV Offshore Blocker Series, LLC (DE) - 97.99% of PineBridge Private Credit <br> IV Offshore Blocker Series, LLC is owned by PineBridge Private Credit IV Offshore SLP and 2.01% is <br> held by PineBridge Private Credit IV General Partner, L.P.  |
|  |  |  | (2) | PineBridge Private Credit IV Offshore Blocker Series, LLC (DE)  |
|  | d. | PineBridge Private Credit Agent LLC (DE)  | PineBridge Private Credit Agent LLC (DE)  | PineBridge Private Credit Agent LLC (DE)  |
|  |  | 1) | PineBridge Highstar (SPE) LLC  | PineBridge Highstar (SPE) LLC  |
|  |  | 2) | PineBridge Investments Management LLC (DE)  | PineBridge Investments Management LLC (DE)  |
|  |  | a) | PineBridge Senior Secured Loan Fund Ltd. (CYM)  | PineBridge Senior Secured Loan Fund Ltd. (CYM)  |
|  | e. | PineBridge Securities LLC (DE)  | PineBridge Securities LLC (DE)  | PineBridge Securities LLC (DE)  |
| 6. | PineBridge Investments IP Holdings Limited (CYM)  | PineBridge Investments IP Holdings Limited (CYM)  | PineBridge Investments IP Holdings Limited (CYM)  | PineBridge Investments IP Holdings Limited (CYM)  |
| 7. | PineBridge Investments Americas Holdings Limited (CYM)  | PineBridge Investments Americas Holdings Limited (CYM)  | PineBridge Investments Americas Holdings Limited (CYM)  | PineBridge Investments Americas Holdings Limited (CYM)  |
|  | a. | PineBridge GEM II G.P., Co. (CYM)  | PineBridge GEM II G.P., Co. (CYM)  | PineBridge GEM II G.P., Co. (CYM)  |
|  |  | 1) | &nbsp;&nbsp; PineBridge GEM II G.P., L.P. (CYM) - PineBridge GEM II G.P., Co. is the general partner of PineBridge GEM II <br> G.P., L.P. (the "Fund GP"). 62.62% of the limited partnership interests of the Fund GP are held by third parties, <br> 0.19% are held by PineBridge GEM II G.P., Co. and 37.19% are held by current or former employees.  | &nbsp;&nbsp; PineBridge GEM II G.P., L.P. (CYM) - PineBridge GEM II G.P., Co. is the general partner of PineBridge GEM II <br> G.P., L.P. (the "Fund GP"). 62.62% of the limited partnership interests of the Fund GP are held by third parties, <br> 0.19% are held by PineBridge GEM II G.P., Co. and 37.19% are held by current or former employees.  |
|  |  | a) | &nbsp;&nbsp; PineBridge GEM II (Alberta) GP, L.P (Canada) - PineBridge GEM II G.P., L.P. is the general partner of <br> PineBridge GEM II (Alberta) GP, L.P. (the "Fund GP"). 100.00% of the limited partnership interests of <br> Fund GP are held by current and former employees.  | &nbsp;&nbsp; PineBridge GEM II (Alberta) GP, L.P (Canada) - PineBridge GEM II G.P., L.P. is the general partner of <br> PineBridge GEM II (Alberta) GP, L.P. (the "Fund GP"). 100.00% of the limited partnership interests of <br> Fund GP are held by current and former employees.  |
|  |  |  | (1) | &nbsp;&nbsp; Lauren Holdings, LP (Canada) - Lauren Holdings, L.P. (the "AIV") is an AIV of PineBridge GEM II <br> (Alberta) GP, L.P. 98.07% of the limited partnership interests of the AIV are held by third parties. <br> 1.93% of the limited partnership interests in the AIV are held by PineBridge GEM II (Alberta) GP, L.P.  |
|  |  |  | (2) | &nbsp;&nbsp; Oliver Investments, LP (Canada) - Oliver Investments, LP (the "AIV") is an AIV of PineBridge GEM II <br> (Alberta) GP, L.P. 98.07% of the limited partnership interests of the AIV are held by third parties. <br> 1.93% of the limited partnership interests in the AIV are held by PineBridge GEM II (Alberta) GP, L.P.  |
|  |  |  | (3) | &nbsp;&nbsp; Victoria Capital, LP (Canada) - Victoria Capital, LP (the "AIV") is an AIV of PineBridge GEM II <br> (Alberta) GP, L.P. 98.07% of the limited partnership interests of the AIV are held by third parties and <br> 1.93% are held by PineBridge GEM II (Alberta) GP, L.P.  |

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|  | b) | &nbsp;&nbsp; PineBridge GEM II Feeder, L.P. (CYM) - PineBridge GEM II G.P., L.P. is the general partner of PineBridge <br> GEM II Feeder, L.P. (the "Fund"). 100% of the limited partnership interests of the Fund are held by third <br> parties.  | &nbsp;&nbsp; PineBridge GEM II Feeder, L.P. (CYM) - PineBridge GEM II G.P., L.P. is the general partner of PineBridge <br> GEM II Feeder, L.P. (the "Fund"). 100% of the limited partnership interests of the Fund are held by third <br> parties.  |
|  |  | (1) | PineBridge GEM II Feeder Ltd. (CYM)  |
|  | c) | PineBridge GEM II GP Ltd. (CYM)  | PineBridge GEM II GP Ltd. (CYM)  |
|  |  | (1) | &nbsp;&nbsp; PineBridge Global Emerging Markets Partners II, L.P. (CYM) - PineBridge GEM II GP Ltd. is the <br> general partner of PineBridge Global Emerging Markets Partners II, L.P. (the "Fund"). 98.07% of the <br> limited partnership interests in of the Fund are held by third parties, and 1.93% are held by <br> PineBridge GEM II G.P., L.P.  |
|  |  | (a) | Aditi Investment Holdings Limited (Mauritius)  |
| b. | PineBridge GEM II Special Distribution GP, Ltd. (CYM)  | PineBridge GEM II Special Distribution GP, Ltd. (CYM)  | PineBridge GEM II Special Distribution GP, Ltd. (CYM)  |
|  | 1) | &nbsp;&nbsp; PineBridge GEM II Special Distribution, L.P. (CYM) - PineBridge GEM II Special Distribution GP, Ltd. is the <br> general partner of PineBridge GEM II Special Distribution, L.P. (the "Fund"). 66.67% of the limited partnership <br> interests in the Fund are held by PineBridge GEM II Special Distribution G.P., Ltd and 33.33% are held by <br> current and former employees.  | &nbsp;&nbsp; PineBridge GEM II Special Distribution, L.P. (CYM) - PineBridge GEM II Special Distribution GP, Ltd. is the <br> general partner of PineBridge GEM II Special Distribution, L.P. (the "Fund"). 66.67% of the limited partnership <br> interests in the Fund are held by PineBridge GEM II Special Distribution G.P., Ltd and 33.33% are held by <br> current and former employees.  |
| c. | PineBridge GEM II, LLC (DE)  | PineBridge GEM II, LLC (DE)  | PineBridge GEM II, LLC (DE)  |
| d. | PineBridge GEM Viaduct GP, Co. (CYM)  | PineBridge GEM Viaduct GP, Co. (CYM)  | PineBridge GEM Viaduct GP, Co. (CYM)  |
|  | 1) | AIG GEM Viaduct Media Holdings Bermuda, Ltd. (CYM)  | AIG GEM Viaduct Media Holdings Bermuda, Ltd. (CYM)  |
|  | 2) | AIG GEM Viaduct Media Holdings Singapore, Ltd. (CYM)  | AIG GEM Viaduct Media Holdings Singapore, Ltd. (CYM)  |
|  | 3) | &nbsp;&nbsp; PineBridge GEM Viaduct GP, L.P. (CYM) - PineBridge GEM Viaduct GP, Co. is the general partner of PineBridge <br> GEM Viaduct GP, L.P. (the "Fund GP"). 76.43% of the limited partnership interests of Fund GP are held by third <br> parties 0.67% are held by PineBridge GEM Viaduct G P, Co., and 22.90% are held by current or former <br> employees.  | &nbsp;&nbsp; PineBridge GEM Viaduct GP, L.P. (CYM) - PineBridge GEM Viaduct GP, Co. is the general partner of PineBridge <br> GEM Viaduct GP, L.P. (the "Fund GP"). 76.43% of the limited partnership interests of Fund GP are held by third <br> parties 0.67% are held by PineBridge GEM Viaduct G P, Co., and 22.90% are held by current or former <br> employees.  |
|  | a) | &nbsp;&nbsp; PineBridge Global Emerging Markets Partners Viaduct, L.P. (CYM) - PineBridge GEM Viaduct GP, L.P. is <br> the general partner of PineBridge Global Emerging Markets Partners Viaduct, L.P. (the "Fund"). 99.00% of <br> the limited partnership interests of the Fund are held by third parties and 1.00% are held by PineBridge <br> GEM Viaduct G.P., L.P.  | &nbsp;&nbsp; PineBridge Global Emerging Markets Partners Viaduct, L.P. (CYM) - PineBridge GEM Viaduct GP, L.P. is <br> the general partner of PineBridge Global Emerging Markets Partners Viaduct, L.P. (the "Fund"). 99.00% of <br> the limited partnership interests of the Fund are held by third parties and 1.00% are held by PineBridge <br> GEM Viaduct G.P., L.P.  |
|  |  | (1) | PineBridge Eurasia Financial Investments S.à.r.l. (Luxembourg)  |
| e. | PineBridge GEM Viaduct Manager, LLC (DE)  | PineBridge GEM Viaduct Manager, LLC (DE)  | PineBridge GEM Viaduct Manager, LLC (DE)  |
| f. | PineBridge New Europe GP, Ltd. (CYM)  | PineBridge New Europe GP, Ltd. (CYM)  | PineBridge New Europe GP, Ltd. (CYM)  |
|  | 1) | &nbsp;&nbsp; PineBridge New Europe GP, L.P. (CYM) - PineBridge New Europe GP, Ltd. is the general partner of PineBridge <br> New Europe GP, L.P. (the "Fund GP"). 100.00% of the limited partnership interests of the Fund GP are held by <br> current and former employees.  | &nbsp;&nbsp; PineBridge New Europe GP, L.P. (CYM) - PineBridge New Europe GP, Ltd. is the general partner of PineBridge <br> New Europe GP, L.P. (the "Fund GP"). 100.00% of the limited partnership interests of the Fund GP are held by <br> current and former employees.  |
| g. | PineBridge New Europe II GP, Ltd. (CYM)  | PineBridge New Europe II GP, Ltd. (CYM)  | PineBridge New Europe II GP, Ltd. (CYM)  |
|  | 1) | &nbsp;&nbsp; PineBridge New Europe II GP, L.P. (CYM) - PineBridge New Europe II GP, Ltd. is the general partner of <br> PineBridge New Europe II GP, L.P. (the "Fund GP"). 55.40% of the limited partnership interests of the Fund GP <br> are held by third parties, 44.40% are held by current or former employees, and 0.20% are held by PineBridge <br> New Europe II GP, Ltd.  | &nbsp;&nbsp; PineBridge New Europe II GP, L.P. (CYM) - PineBridge New Europe II GP, Ltd. is the general partner of <br> PineBridge New Europe II GP, L.P. (the "Fund GP"). 55.40% of the limited partnership interests of the Fund GP <br> are held by third parties, 44.40% are held by current or former employees, and 0.20% are held by PineBridge <br> New Europe II GP, Ltd.  |
|  | a) | &nbsp;&nbsp; PineBridge New Europe Partners II, L.P. (CYM) - PineBridge New Europe II GP, L.P. is the general partner <br> of PineBridge New Europe Partners II, L.P. (the "Fund"). 99.05% of the limited partnership interests of the <br> Fund are held by third parties and 0.95% are held by PineBridge New Europe II GP, L.P.  | &nbsp;&nbsp; PineBridge New Europe Partners II, L.P. (CYM) - PineBridge New Europe II GP, L.P. is the general partner <br> of PineBridge New Europe Partners II, L.P. (the "Fund"). 99.05% of the limited partnership interests of the <br> Fund are held by third parties and 0.95% are held by PineBridge New Europe II GP, L.P.  |
|  |  | (1) | NEF Cable Holdings S.à r.l. (Luxembourg)  |
|  |  | (a) | Polynifin B.V. (Netherlands)  |
|  | b) | &nbsp;&nbsp; PineBridge New Europe Partners II-A, L.P. (CYM) - PineBridge New Europe II GP, L.P. is the general <br> partner of PineBridge New Europe Partners II-A, L.P. (the "Fund"). 98.24% of the limited partnership <br> interests in the Fund are held by third parties and 1.76% are held by PineBridge New Europe II GP, L.P.  | &nbsp;&nbsp; PineBridge New Europe Partners II-A, L.P. (CYM) - PineBridge New Europe II GP, L.P. is the general <br> partner of PineBridge New Europe Partners II-A, L.P. (the "Fund"). 98.24% of the limited partnership <br> interests in the Fund are held by third parties and 1.76% are held by PineBridge New Europe II GP, L.P.  |
|  |  | (1) | Frégate Investments S.à r.l. (Luxembourg)  |
|  |  | (2) | Kingscote S.à r.l. (Luxembourg)  |
|  |  | (3) | Ratiocino Limited (Cyprus)  |

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|  |  | h. | PineBridge New Europe II Manager, LLC (DE)  |
|  |  | i. | &nbsp;&nbsp; PineBridge New Europe Manager, Ltd. (CYM) - 70% of the interests in PineBridge New Europe Manager, Ltd. is held <br> by PineBridge Investments Americas Holdings Limited. The remaining 30% is held by a third-party.  |
| I. | MetLife Insurance Brokerage, Inc. (NY)  | MetLife Insurance Brokerage, Inc. (NY)  | MetLife Insurance Brokerage, Inc. (NY)  |
| J. | Cova Life Management Company (DE)  | Cova Life Management Company (DE)  | Cova Life Management Company (DE)  |
| K. | MetLife Consumer Services, Inc. (DE)  | MetLife Consumer Services, Inc. (DE)  | MetLife Consumer Services, Inc. (DE)  |
| L. | MetLife Global, Inc. (DE)  | MetLife Global, Inc. (DE)  | MetLife Global, Inc. (DE)  |
|  | 1) | MetLife Global Bermuda, Ltd. (Bermuda)  | MetLife Global Bermuda, Ltd. (Bermuda)  |
| M. | MetLife Reinsurance Company of Hamilton, Ltd. (Bermuda)  | MetLife Reinsurance Company of Hamilton, Ltd. (Bermuda)  | MetLife Reinsurance Company of Hamilton, Ltd. (Bermuda)  |
| N. | MetLife Global Benefits, Ltd. (CYM)  | MetLife Global Benefits, Ltd. (CYM)  | MetLife Global Benefits, Ltd. (CYM)  |
| O. | Newbury Insurance Company, Limited (DE)  | Newbury Insurance Company, Limited (DE)  | Newbury Insurance Company, Limited (DE)  |
| P. | &nbsp;&nbsp; Inversiones MetLife Holdco Dos Limitada (CHL) - 99.99946% of Inversiones MetLife Holdco Dos Limitada is owned by MetLife, <br> Inc., 0.000535% is owned by MetLife International Holdings, LLC. and 0.0000054% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; Inversiones MetLife Holdco Dos Limitada (CHL) - 99.99946% of Inversiones MetLife Holdco Dos Limitada is owned by MetLife, <br> Inc., 0.000535% is owned by MetLife International Holdings, LLC. and 0.0000054% is owned by Natiloportem Holdings, LLC.  | &nbsp;&nbsp; Inversiones MetLife Holdco Dos Limitada (CHL) - 99.99946% of Inversiones MetLife Holdco Dos Limitada is owned by MetLife, <br> Inc., 0.000535% is owned by MetLife International Holdings, LLC. and 0.0000054% is owned by Natiloportem Holdings, LLC.  |
| Q. | MetLife Reinsurance Company of Charleston (SC)  | MetLife Reinsurance Company of Charleston (SC)  | MetLife Reinsurance Company of Charleston (SC)  |
| R. | MetLife Capital Trust IV (DE)  | MetLife Capital Trust IV (DE)  | MetLife Capital Trust IV (DE)  |
| S. | MetLife Home Loans, LLC (DE)  | MetLife Home Loans, LLC (DE)  | MetLife Home Loans, LLC (DE)  |
| T. | MetLife Pet Insurance Solutions, LLC (KY)  | MetLife Pet Insurance Solutions, LLC (KY)  | MetLife Pet Insurance Solutions, LLC (KY)  |
| U. | Metropolitan General Insurance Company (RI)  | Metropolitan General Insurance Company (RI)  | Metropolitan General Insurance Company (RI)  |
| V. | &nbsp;&nbsp; Chariot Holding Company, LP (BMU) - MetLife, Inc. holds an approximate 23% interest in the non-voting limited partnership <br> interests of Chariot Holding Company, LP, a Bermuda exempted limited partnership. The remaining interests are held by third <br> parties. The Nebraska Department of Insurance has approved MetLife's application to disclaim affiliation with Chariot Holding <br> Company, LP and its subsidiaries.  | &nbsp;&nbsp; Chariot Holding Company, LP (BMU) - MetLife, Inc. holds an approximate 23% interest in the non-voting limited partnership <br> interests of Chariot Holding Company, LP, a Bermuda exempted limited partnership. The remaining interests are held by third <br> parties. The Nebraska Department of Insurance has approved MetLife's application to disclaim affiliation with Chariot Holding <br> Company, LP and its subsidiaries.  | &nbsp;&nbsp; Chariot Holding Company, LP (BMU) - MetLife, Inc. holds an approximate 23% interest in the non-voting limited partnership <br> interests of Chariot Holding Company, LP, a Bermuda exempted limited partnership. The remaining interests are held by third <br> parties. The Nebraska Department of Insurance has approved MetLife's application to disclaim affiliation with Chariot Holding <br> Company, LP and its subsidiaries.  |
|  | 1. | Chariot MidCo, LLC (DE)  | Chariot MidCo, LLC (DE)  |
|  | 2. | Chariot Reinsurance, Ltd. (BMU)  | Chariot Reinsurance, Ltd. (BMU)  |
| W. | MetLife Insurance Brokerage, Inc. (NY)  | MetLife Insurance Brokerage, Inc. (NY)  | MetLife Insurance Brokerage, Inc. (NY)  |
| X. | MetLife Reinsurance Company of Vermont (VT)  | MetLife Reinsurance Company of Vermont (VT)  | MetLife Reinsurance Company of Vermont (VT)  |
| Y. | MetLife Group, Inc. (NY)  | MetLife Group, Inc. (NY)  | MetLife Group, Inc. (NY)  |
|  | 1. | MetLife Services and Solutions, LLC (DE)  | MetLife Services and Solutions, LLC (DE)  |
|  |  | a. | MetLife Solutions Pte. Ltd. (SGP)  |
|  |  |  | &nbsp;&nbsp; MetLife Services East Private Limited (IND) - 57.279332% of MetLife Services East Private Limited is owned by <br> MetLife Global Operations Support Center Private Limited, 42.720666% is owned by MetLife Solutions Pte. <br> Limited, and 0.000002% is owned by Natiloportem Holdings LLC.  |
|  |  |  | &nbsp;&nbsp; MetLife Global Operations Support Center Private Limited (IND) - 99.99999% of MetLife Global Operations <br> Support Center Private Limited is owned by MetLife Solutions Pte. Ltd. and 0.00001% is owned by Natiloportem <br> Holdings, LLC.  |
| Z. | MetLife Investors Group, LLC (DE)  | MetLife Investors Group, LLC (DE)  | MetLife Investors Group, LLC (DE)  |
|  | 1. | MetLife Investors Distribution Company (MO)  | MetLife Investors Distribution Company (MO)  |
|  | 2. | MetLife Investments Securities, LLC (DE) | MetLife Investments Securities, LLC (DE) |

---

1) The voting securities (excluding directors' qualifying shares, if any) of each subsidiary shown on the organizational chart are 100% owned by their respective parent corporation, unless otherwise indicated.

2) The Metropolitan Money Market Pool and MetLife Intermediate Income Pool are pass-through investment pools, of which Metropolitan Life Insurance Company and/or its subsidiaries and/or affiliates are general partners.

3) The MetLife, Inc. organizational chart does not include real estate joint ventures and partnerships of which MetLife, Inc. and/or its subsidiaries is an investment partner. In addition, certain inactive subsidiaries have also been omitted.

4) MetLife Services EEIG is a cost-sharing mechanism used in the EU for EU-affiliated members.

------

**Item 33. Indemnification**

As described in their respective governing documents, MetLife, Inc. (the ultimate parent of the Depositor and MetLife Investors Distribution Company, the Registrant's principal underwriter (the "Underwriter")), which is incorporated in the state of Delaware, and the Depositor, which is incorporated in the state of New York, shall indemnify any person who is made or is threatened to be made a party to any civil or criminal suit, or any administrative or investigative proceeding, by reason of the fact that such person is or was a director or officer of the respective company, under certain circumstances, against liabilities and expenses incurred by such person.

MetLife, Inc. also has adopted a policy to indemnify employees ("MetLife Employees") of MetLife, Inc. or its affiliates ("MetLife"), including any MetLife Employees serving as directors or officers of the Depositor or the Underwriter. Under the policy, MetLife, Inc. will, under certain circumstances, indemnify MetLife Employees for losses and expenses incurred in connection with legal actions threatened or brought against them as a result of their service to MetLife. The policy excludes MetLife directors and others who are not MetLife Employees, whose rights to indemnification, if any, are as described in the charter, bylaws or other arrangement of the relevant company.

MetLife, Inc. also maintains a Directors and Officers Liability and Corporate Reimbursement Insurance Policy under which the Depositor and the Underwriter, as well as certain other subsidiaries of MetLife, are covered. MetLife, Inc. also has secured a Financial Institutions Bond.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Company, pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 34. Principal Underwriters**

(a) MetLife Investors Distribution Company also serves as principal underwriter and distributor of the Contracts. MetLife Investors Distribution Company is the principal underwriter for the following investment companies:

General American Separate Account Eleven <br>General American Separate Account Twenty-Eight <br>General American Separate Account Twenty-Nine <br>General American Separate Account Two <br>Metropolitan Life Separate Account E <br>Metropolitan Life Variable Annuity Separate Account II <br>Metropolitan Tower Life Separate Account One <br>Metropolitan Tower Life Separate Account Two <br>New England Life Retirement Investment Account <br>New England Variable Annuity Fund I <br>Paragon Separate Account A <br>Paragon Separate Account B <br>Paragon Separate Account C <br>Paragon Separate Account D <br>Separate Account No. 13S

(b) Management. MetLife Investors Distribution Company is the principal underwriter for the Contracts. The following persons are officers and directors of MetLife Investors Distribution Company. The principal business address for MetLife Investors Distribution Company is 200 Park Avenue, New York, NY 10166.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Positions and Offices With Underwriter** |
| Jessica T. Good<br> 200 Park Avenue<br> New York, NY 10166<br>| Director, Chair of the Board, President and Chief Executive Officer |

---

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Positions and Offices With Underwriter** |
| Kelli Buford<br> 200 Park Avenue<br> New York, NY 10166<br>| Secretary |
| Michael J. McDermott<br> 200 Park Avenue<br> New York, NY 10166<br>| Director and Senior Vice President |
| Michael Yick<br> 1 MetLife Way<br> Whippany, NJ 07981<br>| Vice President and Treasurer |
| Alexis Kuchinsky<br> One MetLife Way<br> Whippany, NJ 07981<br>| Chief Compliance Officer |
| Geoffrey Fradkin<br> 200 Park Avenue<br> New York, NY 10166<br>| Vice President |
| Gabriel Lopez<br> 200 Park Avenue<br> New York, NY 10166<br>| Director and Senior Vice President |
| Dan P. Antilley, Jr.<br> 200 Park Avenue<br> New York, NY 10166<br>| Senior Vice President and Chief Information Security Officer |
| Thomas J. Schuster<br> 200 Park Avenue<br> New York, NY 10166<br>| Director and Senior Vice President |
| Peter Gruppuso<br> 200 Park Avenue<br> New York, NY 10166<br>| Assistant Vice President and Chief Financial Officer |
| Geeta Alphonso-Napoli<br> 200 Park Avenue<br> New York, NY 10166<br>| Chief Legal Officer |
| Anika Wall<br> 200 Park Avenue<br> New York, NY 10166<br>| Director and Vice President |

---

(c) Compensation to the Distributor. The following aggregate amount of commissions and other compensation was received by the Distributor, directly or indirectly, from the Registrant and the other separate accounts of the Depositor, which also issue variable annuity contracts, during their last fiscal year:

---

| | | | | |
|:---|:---|:---|:---|:---|
| **(1)**<br> **Name of Principal Underwriter**<br>| **(2)**<br> **Net Underwriting**<br> **Discounts and**<br> **Commissions**<br>| **(3)**<br> **Compensation on**<br> **Redemption**<br>| **(4)**<br> **Brokerage**<br> **Commissions**<br>| **(5)**<br> **Other**<br> **Compensation**<br>|
| MetLife Investors Distribution Company | $3994919 | $0 | $0 | $0 |

---

**Item 35. Location of Account and Records.**

The following companies will maintain possession of the documents required by Section 31(a) of the Investment Company Act of 1940 and the Rules thereunder:

(a) Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166

(b) MetLife, 18210 Crane Nest Drive, Tampa, FL 33647

(c) MetLife Investors Distribution Company, 200 Park Avenue, New York, NY 10166

------

**Item 36. Management Services.**

Not Applicable.

**Item 37. Fee Representation.**

Depositor hereby makes the following representation:

Metropolitan Life Insurance Company represents that the fees and charges deducted under the Policies offered and sold pursuant to this Registration Statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred and the risks assumed by Metropolitan Life Insurance Company under the Policies.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of New York, and State of New York, on this 22<sup>nd</sup> day of April, 2026.

---

| | |
|:---|:---|
| Metropolitan Life Separate Account UL<br> (Registrant) | Metropolitan Life Separate Account UL<br> (Registrant) |
| By: | Metropolitan Life Insurance Company<br> (Depositor)<br>|
| By: | /s/ Michael Schmidt |
|  | Michael Schmidt<br> Vice President<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| Metropolitan Life Insurance Company<br> (Depositor) | Metropolitan Life Insurance Company<br> (Depositor) |
| By: | /s/ Michael Schmidt |
|  | Michael Schmidt<br> Vice President<br>|

---

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933, this Amendment to the Registration Statement has been signed by the following persons, in the capacities indicated, on April 22, 2026.

---

| | |
|:---|:---|
| **Signature** | **Title** |
| \* |  |
| R. Glenn Hubbard | Chairman of the Board and Director |
| \* |  |
| Michel A. Khalaf | President, Chief Executive Officer and Director |
| \* |  |
| John D. McCallion | Executive Vice President and Chief Financial Officer |
| \* |  |
| Toby Srihiran-Brown | Executive Vice President and Interim Chief Accounting Officer |
| \* |  |
| Daniel S. Glaser | Director |
| \* |  |
| Michelle Seitz | Director |
| \* |  |
| Carlos M. Gutierrez | Director |
| \* |  |
| Carla A. Harris | Director |
| \* |  |
| Laura J. Hay | Director |
| \* |  |
| David L. Herzog | Director |
| \* |  |
| Jeh C. Johnson | Director |
| \* |  |
| Edward J. Kelly, III | Director |
| \* |  |
| William E. Kennard | Director |

---

------

---

| | |
|:---|:---|
| **Signature** | **Title** |
| \* |  |
| Diana McKenzie | Director |
| \* |  |
| Denise M. Morrison | Director |
| \* |  |
| Mark A. Weinberger | Director |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| \*By: | /s/ Heather Harker |
|  | Heather Harker<br> Attorney-in-Fact<br> April 22, 2026<br>|

---

\*

Metropolitan Life Insurance Company. Executed by Heather Harker, on behalf of those indicated pursuant to powers of attorney.

------

## Ex-99.(D)(Iv)

**Endorsement Date [March 1, 2022]** 

**Metropolitan Life Insurance Company** 

**[200 Park Avenue, New York, NY 10166]** 

**[1-800-METLIFE]** 

**DEATH BENEFIT ENDORSEMENT** 

As of the Endorsement Date, this Endorsement is a part of the policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Definition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) The "Tax Test" is the federal tax definition of life insurance in section 7702(b) of the Internal Revenue
Code of 1986, as amended, or any provision that succeeds it.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) "Tax Value" is your policy's cash value determined without regard to any surrender charge or policy
loan in accordance with section 7702(f)(2)(A) of the Internal Revenue Code of 1986, as amended, or any provision that succeeds it.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. In no event will your policy's death benefit be less than the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the death benefit, taking into account any minimum death benefit described in your policy; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) (a) multiplied by (b), where:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) is the Tax Value immediately before the death of the insured; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) is the applicable Supplemental Minimum Death Benefit Factor from the table included in this endorsement. The Supplemental
Minimum Death Benefit Factors are computed based on the [2017 CSO Mortality Table] and the interest rate guaranteed in your policy, if any, but no less than [4%].

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. We reserve the right to refuse any premium payment we receive which would cause the death benefit under any of the death
benefit options to increase by more than it increases the Tax Value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Regardless of anything to the contrary in this policy, the policy's death benefit will at all times be at least
equal to the amount that is required to comply with the cash value accumulation test under the Tax Test. This compliance will take into account the Tax Value and the computing rules and other requirements of the Tax Test. This includes rules
regarding interest and mortality. This endorsement shall be construed to conform to the requirements of the Tax Test.

---

| |
|:---|
| Metropolitan Life Insurance Company |
| /s/ Timothy J. Ring |
| Secretary |

---

Policy No.: [<u>1234567]</u>

Insured: [<u>John Doe</u>]

1-E160-22

------

**Table of Supplemental Minimum Death Benefit Factors** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Attained | Death<br>Benefit |  | Death<br>Benefit | Attained<br>| Death<br>Benefit | Attained<br>| Death<br>Benefit |
| Age | Factor | Age | Factor | Age | Factor | Age | Factor |
| [0 | 1153% | 25 | 542% | 50 | 244% | 75 | 135% |
| 1 | 1140% | 26 | 526% | 51 | 237% | 76 | 133% |
| 2 | 1107% | 27 | 509% | 52 | 230% | 77 | 131% |
| 3 | 1075% | 28 | 493% | 53 | 224% | 78 | 129% |
| 4 | 1044% | 29 | 477% | 54 | 218% | 79 | 127% |
| 5 | 1012% | 30 | 462% | 55 | 212% | 80 | 125% |
| 6 | 981% | 31 | 447% | 56 | 206% | 81 | 124% |
| 7 | 950% | 32 | 432% | 57 | 201% | 82 | 122% |
| 8 | 920% | 33 | 418% | 58 | 195% | 83 | 121% |
| 9 | 890% | 34 | 404% | 59 | 190% | 84 | 119% |
| 10 | 860% | 35 | 391% | 60 | 186% | 85 | 118% |
| 11 | 832% | 36 | 379% | 61 | 181% | 86 | 117% |
| 12 | 805% | 37 | 366% | 62 | 177% | 87 | 116% |
| 13 | 779% | 38 | 355% | 63 | 172% | 88 | 115% |
| 14 | 754% | 39 | 343% | 64 | 168% | 89 | 114% |
| 15 | 731% | 40 | 332% | 65 | 164% | 90 | 113% |
| 16 | 709% | 41 | 322% | 66 | 161% | 91 | 112% |
| 17 | 688% | 42 | 312% | 67 | 157% | 92 | 111% |
| 18 | 668% | 43 | 302% | 68 | 154% | 93 | 110% |
| 19 | 649% | 44 | 293% | 69 | 151% | 94 | 109% |
| 20 | 631% | 45 | 284% | 70 | 148% | 95 | 107% |
| 21 | 612% | 46 | 275% | 71 | 145% | 96 | 106% |
| 22 | 595% | 47 | 267% | 72 | 142% | 97 | 105% |
| 23 | 577% | 48 | 259% | 73 | 140% | 98 | 103% |
| 24 | 560% | 49 | 251% | 74 | 137% | 99 | 102% |
|  |  |  |  |  |  | 100+ | 101%] |

---

## Ex-99.(N)

**CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM** 

We consent to the incorporation by reference in this Post-Effective Amendment to Registration Statement File Nos. 033-32813/811-06025 on Form N-6 of our report dated March 27, 2026 relating to the financial statements and financial highlights of each of the divisions of Metropolitan Life Separate Account UL and our report dated March 10, 2026 relating to the financial statements of Metropolitan Life Insurance Company, both appearing on Form N-VPFS of Metropolitan Life Separate Account UL for the year ended December 31, 2025. We also consent to the reference to us under the heading "Independent Registered Public Accounting Firm" in the Statement of Additional Information, which is part of such Registration Statement.

/s/ DELOITTE & TOUCHE LLP

New York, New York

April 22, 2026

## Ex-99.(S)(3)

**METROPOLITAN LIFE INSURANCE COMPANY** 

POWER OF ATTORNEY

Daniel S. Glaser

Director

KNOW ALL MEN BY THESE PRESENTS, that I, Daniel S. Glaser, Director of Metropolitan Life Insurance Company, a New York company, do hereby constitute and appoint Heather Harker and Lawrence Wolff, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the registration statements to be filed on Forms N-4, N-6 and S-6 as the case may be (the "Registration Statements") and any and all amendments thereto filed by Metropolitan Life Insurance Company under the Securities Act of 1933 and the Investment Company Act of 1940 pertaining to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Separate Account E (SEC File No. 811-04001)

File No. 002-90380 Preference Plus<sup>®</sup> Account Variable Deferred and Income Annuity Contracts (BPPA), Enhanced Preference Plus<sup>®</sup> Account Variable Annuity Contracts (EPPA), Financial Freedom Account Variable Annuity Contracts;

Preference Plus<sup>®</sup> Account Variable Annuity Contracts (CPPA), Preference Plus<sup>®</sup> Account Variable Annuity Contracts (APPA) and Metropolitan Life Separate Account E VestMet Group and Individual Annuity Contracts;

File No. 333-43970 MetLife Income Security Plan;

File No. 333-52366 Preference Plus Select<sup>®</sup> Variable Annuity Contracts B Class, Bonus Class, C Class and L Class;

File No. 333-69320 MetLife Asset Builder;

File No. 333-80547 MetLife Settlement Plus;

File No. 333-83716 MetLife Financial Freedom Select<sup>®</sup> B, L, C, e and eBonus Class;

File No. 333-122883 Preference Plus<sup>®</sup> Income Advantage;

File No. 333-122897 Personal lncomePlus<sup>®</sup>;

File No. 333-153109 Preference Premier <sup>®</sup> Variable Annuity Contracts (offered from December 12, 2008 through October 7, 2011);

File No. 333-160722 Zenith Accumulator Individual Variable Annuity Contracts;

File No. 333-162586 MLIC Growth and Income;

File No. 333-176654 Preference Premier<sup>®</sup> Variable Annuity Contracts (offered after October 7, 2011);

File Nos. 333-190296 and 333-268428 combination Gold Track Select Prospectus and Registered Fixed Account Option;

File No. 333-198314 MetLife Accumulation Annuity;

File No. 333-198448 MetLife Investment Portfolio Architect<sup>SM</sup> -Standard Version and MetLife Investment Portfolio Architecta<sup>SM</sup> -C Share Option;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Separate Account UL (SEC File No. 811-06025)

File No. 033-32813 UL II Flexible Premium Multifunded Life Insurance Policies;

File No. 033-47927 Equity Advantage VUL and Flexible Premium Multifunded Life Insurance Policy;

------

File No. 033-57320 MetFlex Flexible Premium Variable Life Insurance Policy and MetFlex C Flexible Premium Variable Life Insurance Policy;

File No. 033-91226 Group Variable Universal Life Insurance Policies ("Group Policies");

File No. 333-40161 The Equity Options (Equity Additions and Equity Enricher) Life Insurance Policy Riders;

File No. 333-147508 Equity Advantage VUL Flexible Premium Variable Life Insurance Policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Variable Annuity Separate Account II (SEC File No 811-08628)

File No. 333-138113 Flexible Premium Variable Annuity;

File No. 333-138115 Flexible Premium Deferred Variable Annuity;

File No. 333-161093 Flexible Premium Variable Annuity (B);

File No. 333-161094 Flexible Premium Deferred Variable Annuity (B);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• New England Life Retirement Investment Account (SEC File No. 811-03285)

File No. 333-11133 Preference;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• New England Variable Annuity Fund I (SEC File No. 811-01930)

File No. 333-11137 New England Variable Annuity Fund I;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account A (SEC File No. 811-05382)

File No. 333-133674 Group and Individual Flexible Premium Variable Life Insurance Policies (AFIS);

File No. 333-133699 Group American Plus;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account B (SEC File No. 811-07534)

File No. 333-133671 Group and Individual Flexible Premium Variable Life Insurance Policies (DWS C), Group Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL C), Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager C), Group and Individual Flexible Premium Variable Life Insurance Policies (Morgan Stanley), Group and Individual Flexible Premium Variable Life Insurance Policies (Putnam), Group and Individual Flexible Premium Variable Life Insurance Policies (MFS), and Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager IlI);

File No. 333-133675 Group and Individual Flexible Premium Variable Life Insurance Policies (DWS D), Group Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL D), Group Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL D 11), Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager D), and Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager II);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account C (SEC File No. 811-07982)

File No. 333-133673 Group and Individual Flexible Premium Variable Life Insurance Policies (Fidelity C);

File No. 333-133678 Group and Individual Flexible Premium Variable Life Insurance Policies (Fidelity D);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account D (SEC File No. 811-08385)

File No. 333-133672 Individual Variable Life Insurance 50414 (IVUL);

File No. 333-133698 Joint Survivor Variable Universal Life 50415 (JSVUL); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account No. 13S (SEC File No. 811-08938)

File No. 333-110185 LCL2 Flexible Premium Variable Life

------

and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confinning all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof.

IN WITNESS WHEREOF, I have hereunto set my hand this 24 day of February, 2026.

---

| |
|:---|
| /s/ Daniel S. Glaser |
| <br> Daniel S. Glaser |

---

------

**METROPOLITAN LIFE INSURANCE COMPANY** 

POWER OF ATTORNEY

Michelle Seitz

Director

KNOW ALL MEN BY THESE PRESENTS, that I, Michelle Seitz, Director of Metropolitan Life Insurance Company, a New York company, do hereby constitute and appoint Heather Harker and Lawrence Wolff, as my attorney-in-fact and agent, each of whom may act individually and none of whom is required to act jointly with any of the others, to sign and file on my behalf and to execute and file any instrument or document required to be filed as part of or in connection with or in any way related to, the registration statements to be filed on Forms N-4, N-6 and S-6 as the case may be (the "Registration Statements") and any and all amendments thereto filed by Metropolitan Life Insurance Company under the Securities Act of 1933 and the Investment Company Act of 1940 pertaining to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Separate Account E (SEC File No. 811-04001)

File No. 002-90380 Preference Plus<sup>®</sup> Account Variable Deferred and Income Annuity Contracts (BPPA), Enhanced

Preference Plus<sup>®</sup> Account Variable Annuity Contracts (EPPA), Financial Freedom Account Variable Annuity Contracts ;

Preference Plus<sup>®</sup> Account Variable Annuity Contracts (CPPA), Preference Plus<sup>®</sup> Account Variable Annuity Contracts (APPA) and Metropolitan Life Separate Account E VestMet Group and Individual Annuity Contracts;

File No. 333-43970 MetLife Income Security Plan;

File No. 333-52366 Preference Plus Select<sup>®</sup> Variable Annuity Contracts B Class, Bonus Class, C Class and L

Class;

File No. 333-69320 MetLife Asset Builder;

File No. 333-80547 MetLife Settlement Plus;

File No. 333-83716 MetLife Financial Freedom Select<sup>®</sup> B, L, C, e and eBonus Class;

File No. 333-122883 Preference Plus<sup>®</sup> Income Advantage;

File No. 333-122897 Personal IncomePlus<sup>®</sup>;

File No. 333-153109 Preference Premier <sup>®</sup> Variable Annuity Contracts (offered from December 12, 2008 through

October 7, 2011);

File No. 333-160722 Zenith Accumulator Individual Variable Annuity Contracts;

File No. 333-162586 MLIC Growth and Income;

File No. 333-176654 Preference Premier<sup>®</sup> Variable Annuity Contracts (offered after October 7, 2011);

File Nos. 333-190296 and 333-268428 combination Gold Track Select Prospectus and Registered Fixed Account

Option;

File No. 333-198314 MetLife Accumulation Annuity;

File No. 333-198448 MetLife Investment Portfolio Architect<sup>SM</sup> -Standard Version and MetLife Investment Portfolio

Architect<sup>SM</sup> -C Share Option;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Separate Account UL (SEC File No. 811-06025)

File No. 033-32813 UL II Flexible Premium Multifunded Life Insurance Policies;

File No. 033-47927 Equity Advantage VUL and Flexible Premium Multifunded Life Insurance Policy;

------

File No. 033-57320 MetFlex Flexible Premium Variable Life Insurance Policy and MetFlex C Flexible Premium Variable

Life Insurance Policy;

File No. 033-91226 Group Variable Universal Life Insurance Policies ("Group Policies");

File No. 333-40161 The Equity Options (Equity Additions and Equity Enricher) Life Insurance Policy Riders;

File No. 333-147508 Equity Advantage VUL Flexible Premium Variable Life Insurance Policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Metropolitan Life Variable Annuity Separate Account II (SEC File No 811-08628)

File No. 333-138113 Flexible Premium Variable Annuity ;

File No. 333-138115 Flexible Premium Deferred Variable Annuity;

File No. 333-161093 Flexible Premium Variable Annuity (B);

File No. 333-161094 Flexible Premium Deferred Variable Annuity (B);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• New England Life Retirement Investment Account (SEC File No. 811-03285)

File No. 333-11133 Preference;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• New England Variable Annuity Fund I (SEC File No. 811-01930)

File No. 333-11137 New England Variable Annuity Fund I;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account A (SEC File No. 811-05382)

File No. 333-133674 Group and Individual Flexible Premium Variable Life Insurance Policies (AFIS);

File No. 333-133699 Group American Plus;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account B (SEC File No. 811-07534)

File No. 333-133671 Group and Individual Flexible Premium Variable Life Insurance Policies (DWS C), Group

Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL C), Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager C), Group and Individual Flexible Premium Variable Life Insurance Policies (Morgan Stanley), Group and Individual Flexible Premium Variable Life Insurance Policies (Putnam), Group and Individual Flexible Premium Variable Life Insurance Policies (MFS), and Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager III);

File No. 333-133675 Group and Individual Flexible Premium Variable Life Insurance Policies (DWS D), Group

Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL D), Group Variable Universal Life Insurance Policies and Certificates (MetFlex GVUL D II), Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager D), and Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager II);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account C (SEC File No. 811-07982)

File No. 333-133673 Group and Individual Flexible Premium Variable Life Insurance Policies (Fidelity C);

File No. 333-133678 Group and Individual Flexible Premium Variable Life Insurance Policies (Fidelity D);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Paragon Separate Account D (SEC File No. 811-08385)

File No. 333-133672 Individual Variable Life Insurance 50414 (IVUL);

File No. 333-133698 Joint Survivor Variable Universal Life 50415 (JSVUL); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account No. 13S (SEC File No. 811-08938)

File No. 333-110185 LCL2 Flexible Premium Variable Life

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and to have full power and authority to do or cause to be done in my name, place and stead each and every act and thing necessary or appropriate in order to effectuate the same, as fully to all intents and purposes as I might or could do in person, hereby ratifying and confirming all that said attorneys-in-fact or any of them, may do or cause to be done by virtue hereof.

IN WITNESS WHEREOF, I have hereunto set my hand this <u>24</u> day of February, 2026.

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| /s/ Michelle Seitz |
| Michelle Seitz |

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