Attachment_4_-_Technical_Exhibit_OCC_Certificate.pdf

YOUR BENEFIT PLAN

Office of the Comptroller of the Currency

All Active and Retired Employees

Basic Life Insurance

Supplemental Life Insurance

Dependent Life Insurance

Accidental Death and Dismemberment Insurance

Certificate Date: January 1, 2011

Certificate Number 1

ATTACHMENT 4 - OCC CERTIFICATE

TO OUR EMPLOYEES:

All of us appreciate the protection and security insurance provides.

This certificate describes the benefits that are available to you. We urge you to read it carefully.

Metropolitan Life Insurance Company 200 Park Avenue, New York, New York 10166

CERTIFICATE OF INSURANCE

Metropolitan Life Insurance Company (“MetLife”), a stock company, certifies that You and Your Dependents are insured for the benefits described in this certificate, subject to the provisions of this certificate. This certificate is issued to You under the Group Policy and it includes the terms and provisions of the Group Policy that describe Your insurance. PLEASE READ THIS CERTIFICATE CAREFULLY.

This certificate is part of the Group Policy. The Group Policy is a contract between MetLife and the Policyholder and may be changed or ended without Your consent or notice to You.

Policyholder: Office of the Comptroller of the Currency

Group Policy Number:

146410-1-G

Type of Insurance: Term Life & Accidental Death and Dismemberment Insurance

MetLife Toll Free Number(s):

For Claim Information

THIS CERTIFICATE ONLY DESCRIBES TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT

INSURANCE.

THE BENEFITS OF THE POLICY PROVIDING YOU COVERAGE ARE GOVERNED PRIMARILY BY THE

LAWS OF A STATE OTHER THAN FLORIDA.

THE GROUP INSURANCE POLICY PROVIDING COVERAGE UNDER THIS CERTIFICATE WAS ISSUED

IN A JURISDICTION OTHER THAN MARYLAND AND MAY NOT PROVIDE ALL THE BENEFITS

REQUIRED BY MARYLAND LAW.

For Residents of North Dakota: If You are not satisfied with Your Certificate, You may return it to Us within 20 days after You receive it, unless a claim has previously been received by Us under Your Certificate. We will refund within 30 days of Our receipt of the returned Certificate any Premium that has been paid and the Certificate will then be considered to have never been issued. You should be aware that, if You elect to return the Certificate for a refund of premiums, losses which otherwise would have been covered under Your Certificate will not be covered.

WE ARE REQUIRED BY STATE LAW TO INCLUDE THE NOTICE(S) WHICH APPEAR ON THIS PAGE

AND IN THE NOTICE(S) SECTION WHICH FOLLOWS THIS PAGE. PLEASE READ THE(SE) NOTICE(S)

CAREFULLY.

GCERT2000

fp 1

GCERT2000

notice/tx 2

For Texas Residents:

IMPORTANT NOTICE

To obtain information or make a complaint:

You may call MetLife’s toll free telephone number for information or to make a complaint at

1-800-638-6420

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at

1-800-252-3439

You may write the Texas Department of Insurance P.O. Box 149104 Austin, TX 78714-9104 Fax # (512) 475-1771 Web: http://www.tdi.state.tx.us

Email: ConsumerProtection@tdi.state.tx.us

PREMIUM OR CLAIM DISPUTES: Should You have a dispute concerning Your premium or about a claim, You should contact MetLife first. If the dispute is not resolved, You may contact the Texas Department of Insurance.

ATTACH THIS NOTICE TO YOUR CERTIFICATE:

This notice is for information only and does not become a part or condition of the attached document.

Para Residentes de Texas:

AVISO IMPORTANTE

Para obtener información o para someter una queja:

Usted puede llamar al numero de teléfono gratis de MetLife para información o para someter una queja al

1-800-638-6420

Puede comunicarse con el Departamento de Seguros de Texas para obtener información acerca de compañías, coberturas, derechos o quejas al

1-800-252-3439

Puede escribir al Departamento de Seguros de Texas P.O. Box 149104 Austin, TX 78714-9104 Fax # (512) 475-1771 Web: http://www.tdi.state.tx.us

Email: ConsumerProtection@tdi.state.tx.us

DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con MetLife primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI).

UNA ESTE AVISO A SU CERTIFICADO:

Este aviso es solo para propósito de información y no se convierte en parte o condición del documento adjunto.

http://www.tdi.state.tx.us/ http://www.tdi.state.tx.us/ notice/abo/nw 3

NOTICE FOR RESIDENTS OF ALL STATES

LIFE INSURANCE BENEFITS WILL BE REDUCED IF AN ACCELERATED BENEFIT IS

PAID

DISCLOSURE: The Life Insurance accelerated benefit offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986. If this benefit qualifies for such favorable tax treatment, the benefit will be excludable from Your income and not subject to federal taxation. Tax laws relating to accelerated benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which You could receive an accelerated benefit excludable from income under federal law.

DISCLOSURE: Receipt of an accelerated benefit may affect Your, Your Spouse’s or Your family’s eligibility for public assistance programs such as Medical Assistance (Medicaid), Aid to Families with Dependent Children (AFDC), Supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such payment will affect Your, Your Spouse’s and Your family’s eligibility for public assistance.

notice/childdef 4

NOTICE FOR RESIDENTS OF TEXAS

Definition of Child

For Texas Residents (Life Insurance):

The term also includes Your grandchildren. The limiting age for children and grandchildren will not be less than 25 regardless of student status or military service status. Grandchildren must be able to be claimed by You as a dependent for Federal Income Tax purposes at the time You applied for Insurance.

notice/ar 5

NOTICE FOR RESIDENTS OF ARKANSAS

If You have a question concerning Your coverage or a claim, first contact the Policyholder or group account administrator. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page.

If You are still concerned after contacting both the Policyholder and MetLife, You should feel free to contact:

Arkansas Insurance Department Consumer Services Division

1200 West Third Street Little Rock, Arkansas 72201

(501) 371-2640 or (800) 852-5494

GCERT2000 6

notice/ca

NOTICE FOR RESIDENTS OF CALIFORNIA

TO OBTAIN ADDITIONAL INFORMATION, OR TO MAKE A COMPLAINT, CONTACT THE

POLICYHOLDER OR THE METLIFE CLAIM OFFICE SHOWN ON THE EXPLANATION OF BENEFITS

YOU RECEIVE AFTER FILING A CLAIM.

IF, AFTER CONTACTING THE POLICYHOLDER AND/OR METLIFE, YOU FEEL THAT A SATISFACTORY

SOLUTION HAS NOT BEEN REACHED, YOU MAY FILE A COMPLAINT WITH THE CALIFORNIA

INSURANCE DEPARTMENT AT:

DEPARTMENT OF INSURANCE

300 SOUTH SPRING STREET

LOS ANGELES, CA 90013

1 (800) 927-4357 notice/ga 7

NOTICE FOR RESIDENTS OF GEORGIA

The laws of the state of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence.

notice/id 8

NOTICE FOR RESIDENTS OF IDAHO

If You have a question concerning Your coverage or a claim, first contact the Policyholder. If, after doing so, You still have a concern, You may call the toll free telephone number shown on the Certificate Face Page.

If You are still concerned after contacting both the Policyholder and MetLife, You should feel free to contact:

Idaho Department of Insurance Consumer Affairs

700 West State Street, 3rd Floor PO Box 83720

Boise, Idaho 83720-0043 1-800-721-3272 or www.DOI.Idaho.gov notice/il 9

NOTICE FOR RESIDENTS OF ILLINOIS

To make a complaint to MetLife, You may write to:

MetLife

200 Park Avenue New York, New York 10166

The address of the Illinois Department of Insurance is:

Illinois Department of Insurance

Public Services Division Springfield, Illinois 62767 notice/ma 10

NOTICE FOR MASSACHUSETTS RESIDENTS

CONTINUATION OF ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) INSURANCE

1. If Your AD&D Insurance ends due to a Plant Closing or Covered Partial Closing, such insurance will be continued for 90 days after the date it ends.

2. If Your AD&D Insurance ends because:

• You cease to be in an Eligible Class; or

• Your employment terminates;

for any reason other than a Plant Closing or Covered Partial Closing, such insurance will continue for 31 days after the date it ends.

Continuation of Your AD&D Insurance under the CONTINUATION WITH PREMIUM PAYMENT subsection will end before the end of continuation periods shown above if You become covered for similar benefits under another plan.

Plant Closing and Covered Partial Closing have the meaning set forth in Massachusetts Annotated Laws, Chapter 151A, Section 71A.

notice/mn 11

NOTICE FOR RESIDENTS OF MINNESOTA

This is a life insurance policy which pays accelerated death benefits at your option under conditions specified in the policy. This policy is not a long-term care policy meeting the requirements of sections M.S.62A.46 to 62A.56 or chapter 62S.

CONTINUATION OF BASIC OR SUPPLEMENTAL OR DEPENDENT LIFE INSURANCE

WITH PREMIUM PAYMENT

notice/mnco 12

If Your Life Insurance ends due to termination of Your employment for any reason other than gross misconduct, You may continue such insurance for You and for Your Dependents.

If You are eligible for continuation of Life insurance, Your employer will notify You of:

• Your right to elect to continue Life Insurance for You and for Your Dependents;

• the amount You must pay each month to Your employer to keep such insurance in force;

• instructions for payment; and

• the time that payments are due.

The amount of the premium You will be required to pay for continuation of Life Insurance will not exceed 102 percent of the amount of premium required to be paid for active employees in Your class for such insurance (this includes any premium amounts paid by the employer as well as the employee).

You will have 60 days within which to elect to continue Life Insurance under this section. The 60 day period begins to run on the date Life Insurance would otherwise end or on the date upon which notice of the right to continue Life Insurance is received, whichever is later. If You or a Dependent die during the 60 day election period, we will consider You to have elected to continue Life Insurance under this section.

If Your employer fails to notify You of Your right to continue insurance under this section, or fails to forward a required premium to Us that You have paid, causing insurance for You or Your Dependents to end, then Your employer will become liable for these benefits to the same extent as, and in place of, us.

If You continue Life Insurance under this section, any reductions in Life Insurance that would have applied if You were Actively at Work apply to the continued insurance.

Continuation of Life Insurance under this section will end on the earliest of:

• the date the group policy ends for all employees or for the class of employees to which you belonged when Your Active Work ceased;

• the date you fail to make a required premium payment when due;

• the date you become covered for life insurance under this or any other group term life insurance plan;

• with respect to Your Spouse, the date Your marriage ends in divorce or annulment;

• with respect to a Child, the date the Child no longer qualifies as a Child for purposes of Life Insurance;

• with respect to You or Your Spouse, the date You or Your Spouse reach any applicable age limits; or

• the end of 18 months following the date Your Active Work ended.

When a continuation under this section ends, You and Your Dependents may buy an individual policy of life insurance from Us. The details of this option are described in the section entitled LIFE INSURANCE:

CONVERSION OPTION FOR YOU and LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS. For the purpose of that section, the end of this continuation will be considered the end of your employment.

Effect of Previous Conversion

If You or a Dependent converted Life Insurance to an individual policy, We will only pay Life Insurance under this section if such individual policy is returned to Us. If it is returned to Us, We will refund to Your or Your Dependent's estate the premiums paid for such policy without interest, less any debt incurred under such policy.

CONTINUATION OF BASIC OR SUPPLEMENTAL OR DEPENDENT LIFE INSURANCE

WITH PREMIUM PAYMENT (Continued) notice/mnco 13

If such individual policy is not returned to Us, We will pay the life insurance in effect under the individual policy.

We will not pay insurance under both the Group Policy and the individual policy.

notice/mo 14

NOTICE FOR RESIDENTS OF MISSOURI

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

EXCLUSIONS

If You reside in Missouri the exclusion for "suicide or attempted suicide" is as follows:

"suicide or attempted suicide while sane" notice/nc 15

NOTICE FOR RESIDENTS OF NORTH CAROLINA

Read your Certificate Carefully.

IMPORTANT CANCELLATION INFORMATION

Please Read The Provisions Entitled

DATE YOUR INSURANCE ENDS and DATE YOUR INSURANCE FOR

YOUR DEPENDENTS ENDS

Found on Pages e/ee and e/dep notice/nc 16

NOTICE FOR RESIDENTS OF NORTH CAROLINA

UNDER NORTH CAROLINA GENERAL STATUTE SECTION 58-50-40, NO PERSON, EMPLOYER,

PRINCIPAL, AGENT, TRUSTEE, OR THIRD PARTY ADMINISTRATOR, WHO IS RESPONSIBLE FOR THE

PAYMENT OF GROUP HEALTH OR LIFE INSURANCE OR GROUP HEALTH PLAN PREMIUMS, SHALL:

(1) CAUSE THE CANCELLATION OR NONRENEWAL OF GROUP HEALTH OR LIFE INSURANCE,

HOSPITAL, MEDICAL, OR DENTAL SERVICE CORPORATION PLAN, MULTIPLE EMPLOYER

WELFARE ARRANGEMENT, OR GROUP HEALTH PLAN COVERAGES AND THE CONSEQUENTIAL

LOSS OF THE COVERAGES OF THE PERSONS INSURED, BY WILLFULLY FAILING TO PAY THOSE

PREMIUMS IN ACCORDANCE WITH THE TERMS OF THE INSURANCE OR PLAN CONTRACT, AND

(2) WILLFULLY FAIL TO DELIVER, AT LEAST 45 DAYS BEFORE THE TERMINATION OF THOSE

COVERAGES, TO ALL PERSONS COVERED BY THE GROUP POLICY A WRITTEN NOTICE OF THE

PERSON’S INTENTION TO STOP PAYMENT OF PREMIUMS. THIS WRITTEN NOTICE MUST ALSO

CONTAIN A NOTICE TO ALL PERSONS COVERED BY THE GROUP POLICY OF THEIR RIGHTS TO

HEALTH INSURANCE CONVERSION POLICIES UNDER ARTICLE 53 OF CHAPTER 58 OF THE

GENERAL STATUTES AND THEIR RIGHTS TO PURCHASE INDIVIDUAL POLICIES UNDER THE

FEDERAL HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT AND UNDER ARTICLE

68 OF CHAPTER 58 OF THE GENERAL STATUTES.

VIOLATION OF THIS LAW IS A FELONY. ANY PERSON VIOLATING THIS LAW IS ALSO SUBJECT TO A

COURT ORDER REQUIRING THE PERSON TO COMPENSATE PERSONS INSURED FOR EXPENSES

OR LOSSES INCURRED AS A RESULT OF THE TERMINATION OF THE INSURANCE.

NOTICE FOR RESIDENTS OF UTAH

GTY-NOTICE-UT-0710

Notice of Protection Provided by

Utah Life and Health Insurance Guaranty Association

This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ("the Association") and the protection it provides for policyholders. This safety net was created under Utah law, which determines who and what is covered and the amounts of coverage.

The Association was established to provide protection in the unlikely event that your life, health, or annuity insurance company becomes financially unable to meet its obligations and is taken over by its insurance regulatory agency. If this should happen, the Association will typically arrange to continue coverage and pay claims, in accordance with Utah law, with funding from assessments paid by other insurance companies.

The basic protections provided by the Association are:

• Life Insurance o $500,000 in death benefits o $200,000 in cash surrender or withdrawal values

• Health Insurance o $500,000 in hospital, medical and surgical insurance benefits o $500,000 in long-term care insurance benefits o $500,000 in disability income insurance benefits o $500,000 in other types of health insurance benefits

• Annuities o $250,000 in withdrawal and cash values

The maximum amount of protection for each individual, regardless of the number of policies or contracts, is $500,000. Special rules may apply with regard to hospital, medical and surgical insurance benefits.

Note: Certain policies and contracts may not be covered or fully covered. For example, coverage does not extend to any portion of a policy or contract that the insurer does not guarantee, such as certain investment additions to the account value of a variable life insurance policy or a variable annuity contract.

Coverage is conditioned on residency in this state and there are substantial limitations and exclusions. For a complete description of coverage, consult Utah Code, Title 3 lA, Chapter 28.

Insurance companies and agents are prohibited by Utah law to use the existence of the Association or its coverage to encourage you to purchase insurance. When selecting an insurance company, you should not rely on Association coverage. If there is any inconsistency between Utah law and this notice, Utah law will control.

To learn more about the above protections, as well as protections relating to group contracts or retirement plans, please visit the Association's website at www.utlifega.org or contact:

Utah Life and Health Insurance Guaranty Assoc. Utah Insurance Department 60 East South Temple, Suite 500 3110 State Office Building Salt Lake City UT 84111 Salt Lake City UT 84114-6901

(801) 320-9955 (801) 538-3800

A written complaint about misuse of this Notice or the improper use of the existence of the Association may be filed with the Utah Insurance Department at the above address.

notice/va 18

NOTICE FOR RESIDENTS OF VIRGINIA

IMPORTANT INFORMATION REGARDING YOUR INSURANCE

In the event You need to contact someone about this insurance for any reason please contact Your agent. If no agent was involved in the sale of this insurance, or if You have additional questions You may contact the insurance company issuing this insurance at the following address and telephone number:

200 Park Avenue

New York, New York 10166 Attn: Corporate Consumer Relations Department

To phone in a claim related question, You may call Claims Customer Service at:

1-800-275-4638

If You have been unable to contact or obtain satisfaction from the company or the agent, You may contact the Virginia State Corporation Commission’s Bureau of Insurance at:

The Office of the Managed Care Ombudsman Bureau of Insurance

P.O. Box 1157 Richmond, VA 23218

1-877-310-6560 - toll-free 1-804-371-9691 - locally www.scc.virginia.gov - web address ombudsman@scc.virginia.gov - email

ATTACHMENT 4 - OCC CERTIFICATE

http://www.scc.virginia.gov/ mailto:ombudsman@scc.virginia.gov notices/wv 19

NOTICE FOR RESIDENTS OF WEST VIRGINIA

FREE LOOK PERIOD:

If You are not satisfied with Your certificate, You may return it to Us within 10 days after You receive it, unless a claim has previously been received by Us under Your certificate. We will refund within 10 days of our receipt of the returned certificate any Premium that has been paid and the certificate will then be considered to have never been issued. You should be aware that, if You elect to return the certificate for a refund of premiums, losses which otherwise would have been covered under Your certificate will not be covered.

notice/wi 20

NOTICE FOR RESIDENTS OF WISCONSIN

KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS

PROBLEMS WITH YOUR INSURANCE? - If You are having problems with Your insurance company or agent, do not hesitate to contact the insurance company or agent to resolve Your problem.

Attn: Corporate Consumer Relations Department

200 Park Avenue New York, NY 10166-0188

1-800-638-5433

You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE, a state agency which enforces Wisconsin’s insurance laws, and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting:

Office of the Commissioner of Insurance Complaints Department

P.O. Box 7873 Madison, WI 53707-7873

1-800-236-8517 outside of Madison or 608-266-0103 in Madison.

TABLE OF CONTENTS

Section Page toc 21

CERTIFICATE FACE PAGE

NOTICES

SCHEDULE OF BENEFITS

DEFINITIONS

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU

Eligible Classes

Date You Are Eligible for Insurance

Enrollment Process

Date Your Insurance That Is Part Of The Flexible Benefits Plan Takes Effect

Date Your Insurance Ends

ELIGIBILITY PROVISIONS: INSURANCE FOR YOUR DEPENDENTS

Eligible Classes For Dependent Insurance

Date You Are Eligible For Dependent Insurance

Enrollment Process

Date Insurance That Is Part Of The Flexible Benefits Plan Takes Effect For Your Dependents

Date Your Insurance For Your Dependents Ends

CONTINUATION OF INSURANCE WITH PREMIUM PAYMENT

For Mentally or Physically Handicapped Children

For Family And Medical Leave

At Your Option: Portability

At The Policyholder's Option

EVIDENCE OF INSURABILITY

LIFE INSURANCE: FOR YOU

LIFE INSURANCE: FOR YOUR DEPENDENTS

LIFE INSURANCE: ACCELERATED BENEFIT OPTION (ABO) FOR YOU

LIFE INSURANCE: CONVERSION OPTION FOR YOU

LIFE INSURANCE: CONVERSION OPTION FOR YOUR DEPENDENTS

TABLE OF CONTENTS (continued)

Section Page toc 22

ELIGIBILITY FOR EXTENSION OF BASIC OR SUPPLEMENTAL LIFE INSURANCE WHILE YOU ARE

TOTALLY DISABLED

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

FILING A CLAIM

GENERAL PROVISIONS

Assignment

Beneficiary

Suicide

Entire Contract

Incontestability: Statements Made by You

Misstatement of Age

Conformity with Law

Physical Exams

Autopsy

SCHEDULE OF BENEFITS

This schedule shows the benefits that are available under the Group Policy. You and Your Dependents will only be insured for the benefits:

• for which You and Your Dependents become and remain eligible;

• which You elect, if subject to election; and

• which are in effect.

BENEFIT BENEFIT AMOUNTS AND HIGHLIGHTS

Life Insurance For You

Basic Life Insurance

Basic Life Insurance is NOT Portability Eligible Insurance

Class 1. Senior Executives

Base Benefit Amount for All Senior Executives

$300,000

Additional Benefit For Age

Additional Benefit Amount

35 and younger ............................................................. $300,000

36 .................................................................................. $270,000

37 .................................................................................. $240,000

38 .................................................................................. $210,000

39 .................................................................................. $180,000

40 .................................................................................. $150,000

41 .................................................................................. $120,000

42 .................................................................................. $90,000

43 .................................................................................. $60,000

44 .................................................................................. $30,000

45 and older .................................................................. No Additional Benefit Amount

Maximum Basic Life Benefit ........................................ $600,000

Non-Medical Issue Amount.......................................... $600,000

Accelerated Benefit Option ............................................... Up to 75% of Your Basic Life amount not to exceed $225,000 sch 23

SCHEDULE OF BENEFITS (continued) sch 24

Class 2. All Active Employees Other Than Senior Executives

Base Benefit Amount for All Active Employees

The sum of an amount equal to 1 times Your Basic Annual Earnings, rounded to the next higher $1,000, plus $2,000

Additional Benefit for Age

Additional Benefit Amount

35 and younger............................................................. 1 times Your Base Benefit Amount

36.................................................................................. .9 times Your Base Benefit Amount

37.................................................................................. .8 times Your Base Benefit Amount

38.................................................................................. .7 times Your Base Benefit Amount

39.................................................................................. .6 times Your Base Benefit Amount

40.................................................................................. .5 times Your Base Benefit Amount

41.................................................................................. .4 times Your Base Benefit Amount

42.................................................................................. .3 times Your Base Benefit Amount

43.................................................................................. .2 times Your Base Benefit Amount

44.................................................................................. .1 times Your Base Benefit Amount

45 and older.................................................................. No Additional Base Benefit Amount

Maximum Basic Life Benefit ........................................ $600,000

Non-Medical Issue Amount $600,000

Accelerated Benefit Option ............................................... Up to 75% of Your Basic Life amount not to exceed $225,000

Class 3. Retired Employees

For Retirees.................................................................. An amount equal to Your Basic Life Insurance in effect immediately before the date You retire

Maximum Basic Life Benefit ........................................ $300,000

For Retired employees upon attaining age 65, the amount of Your insurance will reduce to 25% of the amount for which You were eligible on the date of Your retirement.

Supplemental Life Insurance

Class 1 and Class 2: Senior Executives and Active Employees

Supplemental Life Insurance is NOT Portability Eligible Insurance

For Active Employees who elect:

Option 1 ..................................................................... $25,000 sch 25

Option 2 ..................................................................... $50,000

Option 3 ..................................................................... $75,000

Option 4 ..................................................................... $100,000

Option 5 ..................................................................... $125,000

Option 6 ..................................................................... $150,000

Option 7 ..................................................................... $175,000

Option 8 ..................................................................... $200,000

Option 9 ..................................................................... $225,000

Option 10 ................................................................... $250,000

Option 11 ................................................................... $275,000

Option 12 ................................................................... $300,000

Minimum Supplemental Life Benefit

$25,000

Maximum Supplemental Life Benefit............................ The lesser of $300,000 or 5 times Your Basic Annual Earnings

Non-Medical Issue Amount............................................... $300,000

Accelerated Benefit Option ............................................... Up to 75% of Your Supplemental Life amount not to exceed $225,000

ESTATE RESOLUTION SERVICES

The following Estate Resolution Services are provided at no additional cost to individuals insured for Group Supplemental Life Insurance coverage as described below. If You are eligible to receive these Estate Resolution Services and You or Your Spouse (for the Will Preparation Service) or You or a Beneficiary (for the Probate Service) would like to speak with a representative from Hyatt Legal Services or get the name of a Plan Attorney that you can speak with about these Services, please call (800) 821-6400.

THE FOLLOWING APPLIES TO RESIDENTS OF ALL STATES OTHER THAN TEXAS

Will Preparation Service

If You elect Group Supplemental Life Insurance coverage, a Will Preparation Service (the “Service”) will be made available to You, through a MetLife affiliate (the “Affiliate”), while Your Group Supplemental Life Insurance coverage is in effect. This Service will be made available at no cost to You. It enables You to have a will prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. If You have a will prepared by an attorney not designated by the Affiliate, You must pay for the attorney’s services directly.

Upon Proof of such payment, You will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount You paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.

sch 26

Probate Service

If You become insured for Group Supplemental Life Insurance coverage and die while such Group Supplemental Life Insurance coverage is in effect, a probate benefit (the “Benefit”) will be made available to Your estate, through a MetLife affiliate (“Affiliate”).

The Benefit provides for certain probate services to be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorney’s services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount Your estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.

This Benefit will be provided at no cost to You and will end on the date Your Group Supplemental Life Insurance coverage ends.

THE FOLLOWING APPLIES TO RESIDENTS OF TEXAS ONLY

Will Preparation Service

If You elect Group Supplemental Life Insurance coverage, a Will Preparation Service (the “Service”) will be made available to You through a MetLife affiliate (the “Affiliate”), as agreed to by the Policyholder and MetLife, while Your Group Supplemental Life Insurance coverage is in effect under this Policy.

Will Preparation Service means a service covering the preparation of wills and codicils for You and Your Spouse. The creation of any testamentary trust is covered. The Will Preparation Service does not include tax planning.

This Service will be made available at no cost to You. It enables You to have a will prepared for You and Your Spouse free of charge by attorneys designated by the Affiliate. If You have a will prepared by an attorney not designated by the Affiliate, You must pay for the attorney’s services directly. Upon Proof of such payment, You will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount You paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.

Probate Service

If You become insured for Group Supplemental Life Insurance coverage and die while such Group Supplemental Life Insurance coverage is in effect, a probate benefit (the “Benefit”) will be made available to Your estate, through a MetLife affiliate (“Affiliate”).

The Benefit includes attorney representation and payment of legal fees for the executor or administrator of insured employee’s estate including representation for the preparation of all documents and all of the court proceedings needed to transfer probate assets from the estate to insured employee’s heirs; and the completion of correspondence necessary to transfer non-probate assets such as proceeds from insurance policies, joint bank accounts, stock accounts or a house; and associated tax filings.

The Benefit provides for such services to be made available upon Your death, free of charge by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, Your estate must pay for those attorney’s services directly. Upon Proof of such payment, Your estate will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount Your estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.

This Benefit will be provided at no cost to You and will end on the date Your Group Supplemental Life Insurance coverage ends.

sch 27

Accidental Death and Dismemberment Insurance (AD&D) for You

Accidental Death and Dismemberment Insurance for You is Portability Eligible Insurance

Full Amount for AD&D

Class 1. Senior Executives

All Senior Executives…………………..…………….…..$300,000

Class 2. Active Employees

Class 2 Active Employees ........................................... The sum of an amount equal to 1 times Your Basic Annual Earnings, rounded to the next higher $1,000, plus $2,000

Maximum AD&D Benefit.............................................. $300,000

Schedule of Covered Losses for Accidental Death and Dismemberment Insurance

All amounts listed are stated as percentages of the Full Amount.

Covered Losses

Loss of life.................................................................................... 100% Loss of a hand permanently severed at or above the wrist but below the elbow

50%

Loss of a foot permanently severed at or above the ankle but below the knee

50%

Loss of an arm permanently severed at or above the elbow....... 75% Loss of a leg permanently severed at or above the knee............ 75% Loss of sight in one eye ............................................................... 50%

Loss of sight means permanent and uncorrectable loss of sight in the eye. Visual acuity must be 20/200 or worse in the eye or the field of vision must be less than 20 degrees.

Loss of any combination of hand, foot, or sight of one eye, as defined above

100%

Loss of the thumb and index finger of same hand....................... 25%

Loss of thumb and index finger of same hand means that the thumb and index finger are permanently severed through or above the third joint from the tip of the index finger and the second joint from the tip of the thumb.

Portability Eligible Life Insurance Life Insurance For You:

In any combination of AD&D Insurance:

Minimum Portability Eligible AD&D Insurance Amount.................. $10,000

Maximum Portability Eligible AD&D Insurance Amount

The lesser of Your total AD&D Insurance in effect on the date You elect to Port or $1,000,000.

sch 28

If Your Portability Eligible Insurance ends due to the end of the Group Policy or the amendment of the Group Policy to end the Portability Eligible Insurance for an eligible class of which You are a member, the maximum amount of insurance that You may Port is the lesser of:

• the amount of Your Portability Eligible Insurance that ends under the Group Policy less the amount of life insurance for which You become eligible under any group policy issued to replace this Group Policy; or

• $10,000.

Life Insurance For Your Dependents

Class 1 and Class 2. Senior Executives and Active Employees

For Your Spouse Only

Option 1………………………………….. An amount equal to 50% of the sum of Your Basic Annual Earnings rounded to the next higher $1,000, plus $2,000

Option 2………………………………….. An amount equal to 100% of Your Basic Annual Earnings rounded to the next higher $1,000, plus $2,000

Maximum Dependent Spouse Life Benefit…………………………………….

$300,000

Non Medical Issue Amount…………….. $300,000

For Your Spouse and Child(ren)

Dependent Spouse and Child Spouse

Child(ren)

Option 1 $5,000 $2,500

Option 2 $10,000 $5,000

Option 3 $15,000 $7,500

Option 4 $20,000 $10,000

Option 5 $25,000 $12,500

Non Medical Issue Amount

$25,000 $12,500

DEFINITIONS

def as amended by GCR09-07 dp 29

As used in this certificate, the terms listed below will have the meanings set forth below. When defined terms are used in this certificate, they will appear with initial capitalization. The plural use of a term defined in the singular will share the same meaning.

Actively at Work or Active Work means that You are performing all of the usual and customary duties of Your job. This must be done at:

• the Policyholder’s place of business;

• an alternate place approved by the Policyholder; or

• a place to which the Policyholder’s business requires You to travel.

You will be deemed to be Actively at Work during weekends or Policyholder approved vacations, holidays or business closures if You were Actively at Work on the last scheduled work day preceding such time off.

Basic Annual Earnings means Your gross annual rate of pay as determined by Your Policyholder, excluding overtime and other extra pay. "Basic Annual Earnings" for You if You are a salesman includes commissions and/or bonuses which shall be averaged for the most recent 12 month period.

Beneficiary means the person(s) to whom We will pay insurance as determined in accordance with the GENERAL PROVISIONS section.

Child means the following: (for residents of Texas, the Child Definition is modified as explained in the notice pages of this certificate - please consult the Notice)

Your natural child, adopted child (including a child from the date of placement with the adopting parents until the legal adoption), foster child, stepchild (including the child of a Domestic Partner) or any child under Your custody and care who is:

• under age 22, unmarried and supported by You; or

• under age 25 and who is:

• a full-time student at an accredited school, college or university that is licensed in the jurisdiction where it is located;

• unmarried;

• supported by You; and

• not employed on a full-time basis.

The term does not include any person who:

• is in the military of any country or subdivision of any country; or

• is insured under the Group Policy as an employee.

Common Carrier means a government regulated entity that is in the business of transporting fare paying passengers.

The term does not include:

• chartered or other privately arranged transportation;

• taxis; or

• limousines.

Contributory Insurance means insurance for which the Policyholder requires You to pay any part of the premium.

Contributory Insurance includes: Basic Life Insurance, Supplemental Life Insurance, Accidental Death and Dismemberment Insurance and Dependent Life Insurance.

Dependent(s) means Your Spouse and/or Child.

DEFINITIONS (continued) def as amended by GCR09-07 dp 30

Domestic Partner means each of two people, one of whom is an Employee of the Policyholder, who:

• have registered as each other’s domestic partner, civil union partner or reciprocal beneficiary with a government agency where such registration is available; or

• are of the same or opposite sex and have a mutually dependent relationship so that each has an insurable interest in the life of the other. Each person must be:

1. 18 years of age or older;

2. unmarried;

3. the sole domestic partner of the other person and have been so for the immediately preceding 6 months;

4. sharing a primary residence with the other person and have been so sharing for the immediately preceding 6 months; and

5. not related to the other in a manner that would bar their marriage in the jurisdiction in which they reside.

A Domestic Partner declaration attesting to the existence of an insurable interest in one another’s lives must be completed and Signed by the Employee.

Hospital means a facility which is licensed as such in the jurisdiction in which it is located and:

• provides a broad range of medical and surgical services on a 24 hour a day basis for injured and sick persons by or under the supervision of a staff of Physicians; and

• provides a broad range of nursing care on a 24 hour a day basis by or under the direction of a registered professional nurse.

Hospitalized means:

• admission for inpatient care in a Hospital;

• receipt of care in the following:

• a hospice facility;

• an intermediate care facility; or

• a long term care facility; or

• receipt of the following treatment, wherever performed:

• chemotherapy;

• radiation therapy; or

• dialysis.

Physician means:

• a person licensed to practice medicine in the jurisdiction where such services are performed; or

DEFINITIONS (continued) def as amended by GCR09-07 dp 31

• any other person whose services, according to applicable law, must be treated as Physician’s services for purposes of the Group Policy. Each such person must be licensed in the jurisdiction where he performs the service and must act within the scope of that license. He must also be certified and/or registered if required by such jurisdiction.

The term does not include:

• You;

• Your Spouse; or

• any member of Your immediate family including Your and/or Your Spouse’s:

• parents;

• children (natural, step or adopted);

• siblings;

• grandparents; or

• grandchildren.

Proof means Written evidence satisfactory to Us that a person has satisfied the conditions and requirements for any benefit described in this certificate. When a claim is made for any benefit described in this certificate, Proof must establish:

• the nature and extent of the loss or condition;

• Our obligation to pay the claim; and

• the claimant’s right to receive payment.

Proof must be provided at the claimant's expense.

Signed means any symbol or method executed or adopted by a person with the present intention to authenticate a record, which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law.

Spouse means Your lawful spouse. Wherever the term "Spouse" appears in the certificate it shall, unless otherwise specified, be read to include Your Domestic Partner.

The term does not include any person who:

• is in the military of any country or subdivision of any country; or

• is insured under the Group Policy as an employee.

We, Us and Our mean MetLife.

Written or Writing means a record which is on or transmitted by paper or electronic media which is acceptable to Us and consistent with applicable law.

You and Your mean an employee who is insured under the Group Policy for the insurance described in this certificate.

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU

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ELIGIBLE CLASS(ES)

1. All active employees of the Policyholder classified as Senior Executives in Band 8 and Band 9 regularly working a minimum of 16 hours per week.

2. All active permanent employees of the policyholder and all Full-time temporary employees of the Policyholder whose appointment is for at least one year and consists of a prearranged, regularly scheduled tour of duty, excluding Senior Executives in Band 8 and Band 9.

3. All employees who retired from the Policyholder with an immediate annuity and were covered under the OCC Group Life plan for the lesser of 5 years or the entire period that coverage was available to the Policyholder.

You are eligible for insurance if You were Actively at Work and covered for insurance on the day immediately preceding the date of Your retirement and have retired in accord with the Policyholder’s retirement plan.

Please be aware that:

• references to Active Work and Actively at Work will not apply; and

• end of employment will mean the end of the person's status as a retiree, as stated in the Policyholder’s retirement plan.

DATE YOU ARE ELIGIBLE FOR INSURANCE

You may only become eligible for the insurance available for Your eligible class as shown in the SCHEDULE

OF BENEFITS.

If You are in an eligible class on January 1, 2011, You will be eligible for the insurance described in this certificate on that date.

If You enter an eligible class after January 1, 2011, You will be eligible for insurance beginning on the date You enter that class.

Previous Employment With The Policyholder

If You were employed by the Policyholder and insured by Us under a policy of group life insurance when Your employment ended, You will not be eligible for life insurance under this Group Policy if You are re-hired by the Policyholder within 2 years after such employment ended, unless You surrender:

• any individual policy of life insurance to which You converted when Your employment ended; and

• any certificate of insurance continued as ported insurance when such employment ended.

The cash value, if any, of such surrendered insurance will be paid to You.

ENROLLMENT PROCESS

If You are eligible for insurance, You may enroll for such insurance by completing the required form. In addition, You must give evidence of Your Insurability satisfactory to Us at Your expense if You are required to do so under the section entitled EVIDENCE OF INSURABILITY. If You enroll for Contributory Insurance, You must also give the Policyholder Written permission to deduct premiums from Your pay for such insurance.

You will be notified by the Policyholder how much You will be required to contribute.

The insurance listed below is part of a flexible benefits plan established by the Policyholder. Subject to the rules of the flexible benefits plan and the Group Policy, You may enroll for:

• Supplemental Life Insurance;

ELIGIBILITY PROVISIONS: INSURANCE FOR YOU (continued) e/ee 33 when You are first eligible or if You have a Qualifying Event. You should contact the Policyholder for more information regarding the flexible benefits plan.

DATE YOUR INSURANCE THAT IS PART OF THE FLEXIBLE BENEFITS PLAN TAKES EFFECT

Enrollment When First Eligible

Rules for Contributory Insurance

If You request Contributory Insurance within 31 days of the date You become eligible for such insurance, such insurance will take effect as follows:

• if You are not required to give evidence of Your insurability, such benefit will take effect on the later of:

• the date You become eligible for such benefit; and

• the date You enroll provided You are Actively at Work on that date.

• if You are required to give evidence of Your insurability and We determine that You are insurable, such insurance will take effect on the date We state in Writing, provided You are Actively at Work on that date.

If You request Contributory Insurance more than 31 days after the date You become eligible for such insurance, You must give evidence of Your insurability satisfactory to us. You must give such evidence at Your expense. If We determine that You are insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date.

Enrollment Due to a Salary Increase

Under the rules of the Policyholder's plan, due to an annual salary increase You may enroll for Supplemental Life Option 1. If You are already enrolled in Option 1, due to an annual salary increase, You may increase the amount of Your Supplemental Life Insurance by one level ($25,000) without providing evidence of Your insurability. This change can be made within 60 days of the effective date of the change in salary.

If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work.

Enrollment Due to a Qualifying Event

Under the rules of the flexible benefit plan, You may enroll for insurance for which You are eligible or change the amount of Your insurance if You have a Qualifying Event.

If You are not Actively at Work on the date insurance would otherwise take effect, insurance will take effect on the day You resume Active Work.

Qualifying Event includes:

• marriage or commencement of a Domestic Partner relationship;

• the birth, adoption or placement for adoption of a dependent child;

• divorce, legal separation, annulment or cessation of a Domestic Partner relationship; or

• the death of a dependent.

If You have a Qualifying Event, You will have 60 days from the date of that change to make a request. This request must be consistent with the nature of the Qualifying Event. The insurance enrolled for, or changes to Your insurance, made as a result of a Qualifying Event will take effect as follows:

e/ee 34

• for any amount for which You are not required to give evidence of Your insurability, such insurance will take effect on the first day of the month following the date of Your request, if You are Actively at Work on that date.

• for any amount for which You are required to give evidence of Your insurability and We determine that

You are insurable, such insurance will take effect on the date We state in Writing, if You are Actively at Work on that date.

If You are not Actively at Work on the date an amount of insurance would otherwise take effect, that amount of insurance will take effect on the day You resume Active Work. For a Contributory Life Insurance Benefit to take effect, in addition to having been Actively at Work on the date the insurance benefit is to take effect, You must also have been Actively at Work for at least 20 hours during the 7 calendar days preceding that date.

Increase in Insurance

An increase in insurance due to an increase in earnings will take effect as follows:

• if You are required to give evidence of insurability for the entire increase and We approve the evidence of insurability, the increase will take effect on the date We state in Writing. If We do not approve Your evidence of insurability, or You do not submit evidence of insurability, the increase in insurance will not take effect.

• if You are required to give evidence of insurability for a portion of the increase in insurance:

• The portion of the increase in insurance that is not subject to evidence of insurability will take effect on the date of Your increase in Your earnings.

• if We approve the evidence of insurability, the portion of the increase in benefit that is subject to evidence of insurability will take effect on the date We state in writing. If We do not approve the evidence of insurability or You do not submit evidence of insurability, the increase in insurance will not take effect.

• If You are not required to give evidence of insurability, the increase will take effect on the date of the increase in Your earnings.

You must be Actively at Work on that date. If You are not Actively at Work on the date the increase would otherwise take effect, the increase will take effect on the day You resume Active Work.

Decrease in Insurance

A decrease in insurance due to a decrease in Your earnings will take effect on the date of change.

DATE YOUR INSURANCE ENDS

Your insurance will end on the earliest of:

for all coverages

1. the date the Group Policy ends; or

2. the date insurance ends for Your class; or

3. the end of the period for which the last premium has been paid for You; or

4. the date Your employment ends; Your employment will end if You cease to be Actively at Work in any eligible class, except as stated in the section entitled CONTINUATION OF INSURANCE…