Reinsurance contracts are issued by Metropolitan Tower Life Insurance Company, authorized and regulated by the Nebraska Department of Insurance (“Met Tower Life”), Lincoln, Nebraska, and Metropolitan Life Insurance Company, authorized and regulated by the New York Department of Financial Services (“MLIC”), New York, NY, both wholly owned subsidiaries of MetLife. Met Tower Life and MLIC are solely responsible for their financial conditions and contractual obligations. Neither Met Tower Life nor MLIC are licensed or regulated by the U.K. Prudential Regulation Authority as insurers or regulated by the Financial Conduct Authority, nor do they conduct business in the U.K. or provide direct insurance to any individual or entity therein. Met Tower Life and MLIC are not authorized or regulated by supervisory authorities in the European Economic Area.