EX-99.(4)(E)(II) 3 dex994eii.txt GUARANTEED MINIMUM INCOME BENEFIT CONTRACT SCHEDULE - FORM ML-EGMIB-NY (7/10) CONTRACT SCHEDULE GUARANTEED MINIMUM INCOME BENEFIT (GMIB) RIDER EFFECTIVE DATE: [July 15, 2010] GMIB PAYMENT ADJUSTMENT FACTOR: [100%] LAST HIGHEST ANNIVERSARY DATE: [Owner's (or oldest Joint Owner's or Annuitant's if owner is a non-natural person) [81st] birthday] ANNUAL INCREASE ACCUMULATION RATE: [5.00%] ANNUAL INCREASE AMOUNT CAP PERCENTAGE: [240%] GMIB RIDER CHARGE: [0.75%] DOLLAR-FOR-DOLLAR WITHDRAWAL PERCENTAGE: [5.00%] BASIS OF GMIB ANNUITY TABLE: The GMIB Annuity Tables are based on the Annuity 2000 Mortality Table with 10-year age setback with interest at 1.50% (Company-adjusted to reflect amounts of monthly income payments shown in the GMIB annuity tables). ANNUITY OPTIONS: (a) Life Annuity with 5 Years of Annuity Payments Guaranteed. (b) Joint and Last Survivor Annuity with 5 Years of Annuity Payments Guaranteed (Available if the youngest Annuitant's Aattained Age is equal to or greater than age 35 on the Annuity Date). GMIB INCOME DATE: [July 15, 2020] GMIB RIDER TERMINATION DATE: Contract Anniversary prior to the Owner's (or oldest Joint Owner's or Annuitant's if owner is a non-natural person) [91st] birthday GUARANTEED PRINCIPAL OPTION FIRST EXERCISE DATE: [July 15, 2020] GMIB FIRST OPTIONAL STEP-UP DATE: [July 15, 2011] GMIB OPTIONAL STEP-UP WAITING PERIOD: [1 year] MAXIMUM OPTIONAL STEP-UP AGE: [80] OPTIONAL STEP-UP GMIB INCOME DATE: [10th] Contract Anniversary following the date the most recent GMIB Optional Step-Up took effect MAXIMUM OPTIONAL STEP-UP CHARGE: [1.50%] ALLOCATION, TRANSFER, AND REBALANCING LIMITS: --------------------------------------------- GMIB INVESTMENT DIVISIONS: [6-Month EDCA 12-Month EDCA BlackRock Money Market American Funds Balanced Allocation American Funds Moderate Allocation SSgA Growth and Income ETF
ML-EGMIB-NY (7/10) MetLife Conservative Allocation MetLife Conservative to Moderate Allocation MetLife Moderate Allocation] PLATFORM 1 MINIMUM PERCENTAGE: [30%] PLATFORM 1 INVESTMENT DIVISIONS: [American Funds Bond Barclays Captial Aggregate Bond Index BlackRock Bond Income BlackRock Money Market, PIMCO Inflation Protected Bond PIMCO Total Return Western Asset Management U.S. Government] PLATFORM 2 MAXIMUM PERCENTAGE: [70%] PLATFORM 2 INVESTMENT DIVISIONS: [American Funds Growth American Funds Growth-Income Fund Artio International Stock BlackRock Large Cap Core BlackRock Large Cap Value BlackRock Legacy Large Cap Growth Davis Venture Value Harris Oakmark International Janus Forty Jennison Growth Legg Mason ClearBridgeAggressive Growth Legg Mason Value Equity Loomis Sayles Global Markets Lord Abbett Bond Debenture Met/Franklin Income Met/Franklin Mutual Shares Met/Templeton Growth MetLife Stock Index MFS(R)Research International MFS(R)Total Return MFS(R)Value Morgan Stanley EAFE(R)Index Oppenheimer Capital Appreciation Oppenheimer Global Equity Pioneer Strategic Income] PLATFORM 3 MAXIMUM PERCENTAGE: [15%] PLATFORM 3 INVESTMENT DIVISIONS: [BlackRock Aggressive Growth Lazard Mid Cap Met/Artisan Mid Cap Value MetLife Mid Cap Stock Index Morgan Stanley Mid Cap Growth Neuberger Berman Mid Cap Value T. Rowe Price Mid Cap Growth] PLATFORM 4 MAXIMUM PERCENTAGE: [15%] PLATFORM 4 INVESTMENT DIVISIONS: [American Funds Global Small Capitalization Fund Clarion Global Real Estate Dreman Small Cap Value Invesco Small Cap Growth Loomis Sayles Small Cap Core Met/Dimensional International Small Company Met/Eaton Vance Floating
ML-EGMIB-NY (7/10) Met/Templeton International Bond MFS(R)Emerging Markets Equity Neuberger Berman Genesis RCM Technology Russell 2000(R)Index T. Rowe Price Small Cap Growth Van Eck Global Natural Resources]
The GMIB Rider may have limited usefulness in connection with a Qualified Contract, such as an IRA, in circumstances where, due to the 10-year waiting period after purchase and after an Optional Reset, the Owner is unable to exercise the Rider until after the required beginning date of the required minimum distributions under the Contract. In such event, required minimum distributions received from the contract will have the effect of reducing the Income Base either on a proportionate or dollar for dollar basis. Like any withdrawal, this may have the effect of reducing or eliminating the value of annuity payments under the GMIB Rider. However, this annuity does contain a feature that increases amounts that may be withdrawn to meet required minimum distributions determined for this annuity only without reducing the income base on a proportional basis. If you plan on taking amounts from this annuity to satisfy required minimum distributions for other qualified contracts or IRAs there may be a reduction or elimination of the value of annuity payments under this Rider. You should consider whether the benefit is appropriate for your circumstances. We encourage you to consult a tax advisor to discuss withdrawals related to this matter. ML-EGMIB-NY (7/10)