METROPOLITAN LIFE INSURANCE COMPANY

PO Box 8000
Johnstown PA 15907-8000

#BWNDYSK
#DQSBZZPCC42A/DH8#
BRYAN RUFF POLICY NO: 205 166 977 MLU
Bryan Ruff
ISSUE DATE: September 12, 2005
1445 W DOWNER PL
AURORA IL 60506-4738 MATURITY DATE: September 12, 2060
STATEMENT PERIOD
FROM: September 12, 2022
AGENCY INFORMATION: 50R-560-1 TO: September 11, 2023
Servicing Agent: NO SERV AGENT ON RECORD

This report gives your policy's current status, cash value, a listing of transactions and results since the last policy anniversary.

SUMMARY OF COVERAGE
Please refer to your policy for detailed coverage information.
September 12, 2022 September 11, 2023
PLAN: Guarantee Advantage UL
PRIMARY LIFE INSURED: BRYAN RUFF
FACE AMOUNT 100,000.00 100,000.00
COVERAGE CONTINUATION BENEFIT VALUE 9,216.76
(This value is not available for loans or cash surrender.)
CASH VALUE 4,568.25 4,490.12
Less
Surrender Charge* 584.90 410.62
Outstanding Loan 0.00 0.00
Net Cash Surrender Value 3,983.35 4,079.50

The Guaranteed Interest Rate is 3.00%.

The Loan Interest Rate in Arrears is 5.00% From September 12, 2022 To September 11, 2023.
The Interest Crediting Rate on borrowed funds was 3.00% From September 12, 2022 To September 11, 2023.
The Interest Crediting Rate was 4.00% From September 12, 2022 To September 11, 2023.
The Total Current Death Benefit is 100,000.00. Any outstanding loan value has already been deducted.
*This value also includes any applicable Monthly Coverage Expense Charge due at that time.

SUMMARY OF TRANSACTIONS

CASH VALUE AS OF September 12, 2022: 4,568.25 LOAN BALANCE AS OF September 12, 2022: 0.00
PLUS PLUS
Premiums Paid 780.00 New Policy Loan 0.00
Interest Credited 176.98 Loan Interest 0.00
LESS LESS
Expense Charge 364.92 Loan Repayments 0.00
Withdrawals/Adjustments 0.00
Cost of Insurance
- Basic Coverage 670.19
- Riders 0.00 LOAN BALANCE AS OF September 11, 2023: 0.00
CASH VALUE AS OF September 11, 2023: 4,490.12 LOAN AMT AVAILABLE AS OF September $4,079.02
11, 2023:
ADDITIONAL LOAN INFO. AVAILABLE UPON REQUEST

Metropolitan Life Insurance Company

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FINANCIAL TRANSACTIONS HISTORY

TRANSACTION PREMIUM INTEREST EXPENSE COST OF WITHDRAWALS/ ENDING

EFF. DATE PAID(+) CREDITED (+) CHARGES(-) INSURANCE (-) ADJUSTMENTS(-) CASH VALUE

09/12/2022 18.71 55.83 4,493.71

09/15/2022 65.00 1.45 11.70 4,548.46
10/12/2022 13.22 18.71 55.83 4,487.14
10/17/2022 65.00 2.41 11.70 4,542.85
11/12/2022 12.71 18.71 55.84 4,481.01
11/15/2022 65.00 1.44 11.70 4,535.75
12/12/2022 13.18 18.71 55.84 4,474.38
12/15/2022 65.00 1.44 11.70 4,529.12
01/12/2023 13.65 18.71 55.84 4,468.22
01/17/2023 65.00 2.40 11.70 4,523.92
02/12/2023 12.66 18.71 55.85 4,462.02
02/15/2023 65.00 1.44 11.70 4,516.76
03/12/2023 12.15 18.71 55.85 4,454.35
03/15/2023 65.00 1.44 11.70 4,509.09
04/12/2023 13.59 18.71 55.85 4,448.12
04/17/2023 65.00 2.39 11.70 4,503.81
05/12/2023 12.12 18.71 55.86 4,441.36
05/15/2023 65.00 1.43 11.70 4,496.09
06/12/2023 13.55 18.71 55.86 4,435.07
06/15/2023 65.00 1.43 11.70 4,489.80
07/12/2023 13.04 18.71 55.87 4,428.26
07/17/2023 65.00 2.38 11.70 4,483.94
08/12/2023 12.54 18.71 55.87 4,421.90
08/15/2023 65.00 1.43 11.70 4,476.63
09/11/2023 13.49 4,490.12

TOTAL 780.00 176.98 364.92 670.19 4,490.12

- Effective the date of receipt, we will begin crediting interest to your premium payment.

The total interest credited in excess of the guaranteed interest is 0.00.

Total premium paid into policy since issue date is 14,105.00.

CONTINUATION OF INSURANCE

If you continue to pay your planned premium of 65.00 Monthly for 46 years:

Your Coverage Continuation Benefit is expected to keep your policy in force 23 years

Without your Coverage Continuation Benefit:

- Under guaranteed assumptions your policy is not expected to lapse this year.
- Under current assumptions your policy is not expected to lapse this year.

If you pay no more premiums, your Coverage Continuation Benefit is expected to keep your policy in force 12 years.
If you take a partial withdrawal or loan, it may negatively impact your No-Lapse Guarantee.

Our schedule of Cost of Insurance rates has not changed since your last annual statement date and will not change next year. Cost
of Insurance charges may vary from year to year depending on the insureds' attained age and amount at risk.

NO-LAPSE GUARANTEE
The No-Lapse Guarantee is in effect at this time.

The No-Lapse Guarantee will end

- When we do not receive the required first year minimum premium, or
- When your Coverage Continuation Benefit value is less than or equal to zero, or less than the indebtedness of the policy.
Should any of these situations occur, a premium payment will be required prior to the end of the grace period in order to keep the
No-Lapse Guarantee in effect.
 Page 3

CREDITING RATE CHANGE

Since your last annual statement date, the interest rate credited to non-borrowed funds remains the same at 4.00%. Interest is only one
component of your policy's performance, with other components reflecting charges for mortality and expenses.
This rate will not be reduced more frequently than once each quarter. Information about current interest rates can be obtained by
contacting us as described below.

IMPORTANT POLICY OWNER NOTICE

A WITHDRAWAL FROM YOUR LIFE INSURANCE POLICY MAY RESULT IN A SUBSTANTIAL PENALTY, KNOWN AS A
SURRENDER CHARGE. INFORMATION ON WITHDRAWAL CHARGES (SURRENDER CHARGES), IF APPLICABLE, CAN BE
FOUND IN YOUR LIFE INSURANCE POLICY.
You should consider requesting more detailed information about your policy to understand how it may perform in the future. You should
not consider replacement of your policy or make changes in your coverage without requesting a current illustration. You may annually
request, without charge, such an illustration by contacting your financial professional. You may also call or write our service center. If
you do not receive a current illustration of your policy within 30 days from your request, you should contact your State Insurance
Department.
If you have any questions regarding this statement, please contact your financial professional. You may also call us at
1-800-638-5000 between 9:00 a.m. and 6:00 p.m., ET (Monday through Friday). For online access, log in or register by visiting
https://online.metlife.com. Our website provides convenient access to view your policy details and statements, perform
transactions, and download forms.
METLIFE U.S. CONSUMER PRIVACY NOTICE
INDIVIDUAL PRODUCTS
Facts: What Do the MetLife Companies Do With Your Personal Information?
Why? Financial companies choose how they share your personal information. The law gives
consumers the right to limit some but not all sharing. The law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
What? The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
• Social Security number and employment information • income and assets
• credit information and other consumer report information • driving record
• medical information and insurance history
• information about any business you have with us, our affiliates, or other companies
How Does We collect personal information from you as well as through third parties. We also use
MetLife outside sources to help ensure our records are correct and complete. Third parties include
Get Your consumer reporting agencies, employers, other financial institutions, and adult relatives.
Information? Information collected may be kept by the consumer reporting agency and later given to others
as permitted by law. We don't control the accuracy of information outside sources give us. If
you want to make changes to information we receive about you, you must contact those
sources. If we have asked for a consumer report about you, and you write or call us, we will
give you the name, address, and phone number of the consumer reporting agency. The
agency will give you a copy of the report, if you ask the agency and provide proper
identification. Consumer reports may tell us about a lot of things, including:
• reputation • work history • driving record
• finances • hobbies and dangerous activities
In some limited circumstances, we may ask an agency for an investigative report about you.
They will ask others about you. We will ask them to contact you as well.
How Does We collect personal information to help decide if you are eligible for our products or services.
MetLife We may also use it to help deter fraud or money laundering. How we use this information
Use Your depends on what products and services you have or want from us. We may also use it to:
Information? • administer your products and services • market new products to you
• confirm or correct your information • process claims and other transactions
• help us run our business • perform business research
• comply with applicable laws
How Does We take important steps to protect your personal information. We treat it as confidential. We
MetLife tell our employees to take care in handling it. We limit access to those who need it to perform
Protect their jobs. Our service providers must also protect it, and use it only to meet our business
Your needs. We take steps to protect our systems from unauthorized access. We comply with all
Information? laws that apply to us.
Reasons All financial companies need to share personal information to run their everyday business. We
MetLife may share your personal information with others with your consent, by agreement, or as
Shares Your permitted or required by law. We may share your personal information without your consent if
Information permitted or required by law. For example, we may share your information with our sales
agents and businesses hired to carry out services for us. We may share your information with
our regulators or with law enforcement. If you have MetLife products because of your
relationship with an employer, association, or other sponsoring organization, we may share
information with it and its agents as permitted by law. In the section below, we list the reasons
financial companies can share their customers' personal information; the reasons MetLife
chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does MetLife Can You Limit
Share?* This Sharing?

For our everyday business purposes – such as to process your transactions, Yes No
learn if you qualify for coverage, maintain your account(s), respond to court
orders and legal investigations, or report to credit bureaus
For our marketing purposes – with service providers we use to offer our Yes No
products and services to you
For joint marketing with other financial companies Yes Yes
For our affiliates' everyday business purposes – Information about your Yes No
transactions and experiences
For our affiliates' everyday business purposes – Information about your No Not Applicable
creditworthiness
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No Not Applicable
*Information we collect in connection with HIPAA-covered products will only be shared as allowed by HIPAA.
CPN – Individual Products – Annual – 2021
MPC-1039-000-0721
How Does We will not share your health information with any other company – even one of our affiliates –
MetLife for their own marketing purposes. The Health Insurance Portability and Accountability Act
Handle Your (“HIPAA”) protects your information if you request or purchase dental, vision, long-term care,
Health and/or medical insurance from us. We will provide information about your rights under HIPAA
Information? with any dental, vision, long-term care, or medical coverage issued to you.

You can obtain a copy of our HIPAA Privacy Notice by visiting our website at
www.MetLife.com. Select “Privacy Policy” at the bottom of the home page. For additional
information about your rights under HIPAA or to have a HIPAA Privacy Notice mailed to you,
contact us at HIPAAprivacyAmericasUS@metlife.com, or call us at (212) 578-0299.

How Can You Opt Out of Certain Information Sharing?

Affiliate You may tell us not to share your information with our affiliates for their own marketing
purposes or unaffiliated business partners as part of a joint marketing arrangement. Even if
Sharing/ you don't opt out, we will not share your information with unaffiliated companies for their own
Joint marketing purposes without a joint marketing arrangement.
Marketing We will give you an opt out form before we share your information with our affiliates for their
own marketing purposes or unaffiliated business partners as part of a joint marketing
arrangement. You can also opt out anytime by contacting us at the address below. You do not
need to opt out if you only have dental, vision, long-term care, or medical coverage with us.You
also do not need to opt out if you have Pet or Legal Plans offered with a group sponsor.
What Happens If you hold a policy or account jointly with someone else, we will accept instructions from either
When I Limit of you, and apply them to the entire policy or account.
Sharing for an
Account I Hold
Jointly With
Someone
Else?
Definitions:
Affiliates Companies related by common ownership or control. Affiliates can be financial or nonfinancial
companies. Our affiliates include life insurers, a legal plans company and a securities broker
dealer. In the future, we may have affiliates in other businesses.

Non-affiliates Companies not related by common ownership or control. Non-affiliates can be financial or
nonfinancial companies. MetLife does not share personal information with non-affiliates for
their marketing purposes.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial
products or services to you. Our joint marketing partners include financial services companies.
How Can I Access and Correct Information?
You may ask us for a copy of the personal information we have on you. Generally, we will provide it as long as
it is reasonably locatable and retrievable. You must make your request in writing and provide the account or
policy number associated with the information you wish to access. For legal reasons, we may not show you
privileged information relating to a claim or lawsuit, unless required by law.
If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records.
Otherwise, you may dispute our findings in writing. We will include your statement whenever we give your disputed
information to anyone outside MetLife.
Who is Metropolitan General Insurance Company
Providing Metropolitan Life Insurance Company
This Metropolitan Tower Life Insurance Company
Notice?
MetLife Services and Solutions, LLC as administrator for TIAA-CREF Life Insurance
MetLife Legal Plans, Inc.
MetLife Legal Plans of Florida, Inc.
MetLife Pet Insurance Solutions LLC
MetLife Services and Solutions, LLC as administrator for Teachers' Insurance and Annuity
Association of America

How Will I We may revise this privacy notice at any time. If we make material changes, we will notify you
Know if
ThisPrivacy as required by law.
Notice Is
Changed?
Questions? Send privacy questions to: MetLife Privacy Office, P.O. Box 489, Warwick, RI 02887-9954;
Call (877) 638-7684 or go to www.metlife.com
CPN – Individual Products – Annual – 2021
MPC-1039-000-0721