eligible participants the opportunity to prepare for their ......for those of you who are eligible...

The American Maritime Officers Pension Plan Money Purchase Benefit (MPB) offers

eligible participants the opportunity to prepare for their retirement with a wide range of

investment options. For those of you who are eligible to participate in the MPB, enclosed is

a summary of specific details that will enhance your knowledge of your MPB. All

participants are encouraged to read the material contained in this summary. The key to

successfully planning for the future is by learning the basic principles of a disciplined

investment program. You will learn the rules for making and switching investments, when

and how to withdraw your MPB balance and other pertinent features of the Plan.

A m e r i c a n M a r i t i m e O f f i c e r s P e n s i o n P l a n M o n e y P u r c h a s e B e n e f i t ( M P B )

Plan Highlights Plan Name American Maritime Officers Pension Plan Money Purchase Benefit (MPB) Plan Description The MPB is a defined contribution plan which is solely funded by your employer contributions and does not allow employee contributions. Eligible Employees Employees employed by Employers for whom the AMO Union is the Collective Bargaining Representative and for whom the Employers, pursuant to an agreement with the AMO Union, have agreed to participate in the Plan. An employee of an Employer whose participation in the Plan has been approved by the Trustees and who has in effect, a participation agreement requiring contributions to the American Maritime Officers Pension Plan Money Purchase Benefit is eligible.

Vesting Immediate 100% vesting Contribution Percentage The contribution percentage is based on the Collective Bargaining Agreement between your employer and the AMO Union. Timing of Distributions A Participant may receive the amount in his/her account upon the earlier of retirement, disability, age 62, or withdrawal from the maritime industry. Forms of Distributions Lump sum, direct rollovers, installments over a fixed of years not to exceed 10, or qualified joint and survivor annuity. Spousal consent is required, except in case of a qualified joint and survivor annuity payment election.

A m e r i c a n M a r i t i m e O f f i c e r s P e n s i o n P l a n M o n e y P u r c h a s e B e n e f i t ( M P B )

Frequently Asked Questions Q. When do I become vested in my MPB account? A. Eligible Employees are immediately vested in the MPB. Q. When do I have access to my funds in my MPB account? A. You may have access at the earlier of retirement, disability, age 62 or withdrawal from the maritime industry. A distribution based on withdrawal from the maritime industry cannot be requested until 365 days after your last date of AMO covered employment. In the event of your death, your beneficiary will be able to apply for a distribution of your account balance. Q: How can I check my MPB account balance? A: You can check your balance by logging in to The Newport Group website: www.plandestination.com. If you have trouble accessing your account, please call The Newport Group at (800) 650-1065. Q. How can I make investment changes to my MPB Plan account? A. If you would like to reallocate your MPB account into other investment choices or change your investment election for future contributions, log in to www.plandestination.com and transfer your balance into other mutual funds with the MPB or into one of the four model portfolios. You can also contact our Morgan Stanley Financial Consultants at (800) 975-7061. Q. Can I borrow from my MPB? A. No, loans are not permitted from this benefit. Q. Can I make a contribution to my MPB? A. Contributions are made solely from AMO Contributing Employers. Q. Will I receive a MPB account statement from AMO Plans? A. You will receive a quarterly statement from The Newport Group. You can also view your quarterly statement online at www.plandestination.com. Q. Who do I contact regarding questions about my MPB? A. You can contact the AMO Plans Benefits Department at (800) 348-6515, ext 14 or by email at [email protected]. You can also contact our Morgan Stanley Financial Consultants at (800) 975-7061.

AMERICAN MARITIME OFFICERS PLANS MEDICAL – PENSION – MONEY PURCHASE BENEFIT – VACATION – SAFETY & EDUCATION – 401(K)

2 West Dixie Highway, Dania Beach, FL 33004 – 4312

Telephone: (954) 920-4247 or (800) 348-6515

August 29, 2014

NOTICE REGARDING DEFAULT INVESTMENTS

UNDER THE AMERICAN MARITIME OFFICERS PENSION PLAN

MONEY PURCHASE BENEFIT (MPB)

Introduction

The American Maritime Officers Pension Plan MPB (the "Plan") allows participants, beneficiaries of deceased participants, and alternate payees the right to choose how to invest the money in their Plan accounts. Accounts can be invested in any of several investment options that are available under the Plan. When you initially became eligible, you were provided with information regarding the available investment options, as well as information on how to provide investment instructions to the Plan. This updated notice provides information concerning the way in which assets in your account will be invested if you do not provide investment instructions. Circumstances in which Default Investments Will Occur

If you do not provide investment instructions to the Plan with respect to some or all of

the assets in your account, those assets will automatically be invested in the default investment alternatives described in this notice (the “QDIA”). This could happen, for example:

• If you do not specify how your contributions should be invested; • If a fund in which you have invested is eliminated and you do not direct that the assets

be transferred to another available fund; or • If a fund in which you have invested is frozen to future contributions, and you do not

specify a new fund to receive future contributions.

If you do not provide investment instructions to the Plan with respect to some or all of the assets in your account, those assets will be invested in the BlackRock Global Allocation Fund I (“Fund”). This Fund’s objective is to provide long-term appreciation and capital preservation by investing in an appropriate mix of equity and fixed-income securities. The Fund was selected based on the characteristics of all participants in the Plan. A fact sheet describing the Fund is attached to this notice and a prospectus for the Fund can be obtained on the website www.plandestination.com by clicking on the fund name.

http://www.plandestination.com/

For those of you who became participants between January 1, 2008 and the first week of December 2011 and did not provide investment instructions to the Plan with respect to some or all of the assets in your account, those assets were invested in the Dodge & Cox Balanced Fund, which was replaced by the MFS Moderate Allocation Fund the first week of December 2011. New contributions continue to be invested in the MFS Moderate Allocation Fund if you have not provided investment instructions. A fact sheet describing the MFS Moderate Allocation Fund is attached to this Notice.

For those of you who became participants prior to January 1, 2008 and did not provide investment instructions to the Plan with respect to some or all of the assets in your account, those assets were invested in the MetLife Stable Value Fund. This fund is designed to provide a guarantee of both principal and interest at a stated rate adjusted quarterly. New contributions continue to be invested in this fund if you have not provided investment instructions. A fact sheet describing the MetLife Stable Value fund is attached to this Notice.

Please note that you may, at any time, elect to transfer any assets invested in the QDIA to any of the other investment options available under the Plan. There are no fees, expenses or other restrictions associated with transfers out of the QDIA.

You may request additional information (as applicable) regarding the QDIA, including (i) a description of the QDIA’s annual operating expenses expressed as a percentage of average net assets, (ii) copies of prospectuses, financial statements and reports and other materials regarding the QDIA that are provided to the Plan, (iii) a list of assets held by the QDIA, and the value of each such asset, (iv) if the QDIA holds any fixed rate investment contracts, the name of the issuer, the term of the contract, and the rate of return on the contract, (v) information concerning the value of shares or units in the QDIA, including current and past investment performance determined net of expenses, and (vi) information concerning the value of shares or units of the QDIA held in your account. You may also request additional or updated information regarding the other investment alternatives available under the Plan. The AMO Pension Plan MPB offers a wide range of investment options to choose from, as well as four pre-designed asset allocation model portfolios with risk return characteristics ranging from conservative to aggressive. If you would like assistance selecting investment options that are right for you or would like to obtain additional information, please contact your Morgan Stanley financial advisors at 800-975-7061.

0 BlackRock:Gl Alloc;IData updated as of 06/30/2014

Fund Overview

NASDAQ Ticker Symbol MALOX Inception Date 02/03/1989

Asset Type Mixed Equity Funds Fund Manager Stattman/Chamby/Rolda

Total Net Assets ($M) 22224 Fund Manager Tenure 1989, 2004, 2006

Gross Expense Ratio (%) 0.88 Management CompanyBlackRock Inc345 Park Avenue 29th FloorNew York NY 10154800-441-7762

Net Expense Ratio (%) 0.88

Portfolio Turnover Percent 50

Average Market Capitalization ($M) 73,995

Trailing Performance 06/30/2014

Cumulative (%) Annualized (%)

Quarterto Date

Yearto Date 1 Year 3 Year 5 Year 10 Year

SinceIncep.

BlackRock:Gl Alloc;I 3.06 3.69 13.89 6.95 9.88 8.47 10.77

Broad Based Index: S&P 500 Daily Reinv IX 5.23 7.14 24.61 16.58 18.83 7.78 --

Best Fit Index: DJ Mod Aggr IX 4.34 6.19 20.02 10.69 14.83 8.27 --

Peer Group Average: Lipper Global Flex Port Average 3.67 5.10 13.59 6.37 10.85 6.67 --

Calendar Year Performance 12/31/2013

2009 2010 2011 2012 2013

BlackRock:Gl Alloc;I 21.99 10.15 -3.43 10.33 14.71

Broad Based Index: S&P 500 Daily Reinv IX 26.46 15.06 2.11 16.00 32.39

Best Fit Index: DJ Mod Aggr IX 31.95 16.06 -2.62 13.97 20.73

Risk Analysis (3 Year) 06/30/2014

These statistics are measured against the Fund's broad based index: S&P 500 Daily Reinv IX

Alpha: -0.38 Beta: 0.74 Standard Deviation: 9.48 Sharpe Ratio: 0.74

Alpha measures amanager's contribution toperformance due tosecurity selection or markettiming relative to the broadbased index.

Beta measures a portfolio'ssensitivity to marketmovements in the broadbased index.

Standard deviation is ameasure of risk that gaugesthe variability of actualreturns from their expectedvalues and the dispersion ofthese variations over time.

A measure that usesstandard deviation andexcess return to determinereward per unit of risk.

Best 3 Month Period Worst 3 Month Period

Performance Date Performance Date

BlackRock:Gl Alloc;I 8.17 03/31/2012 -10.80 09/30/2011

Broad Based Index: S&P 500 Daily Reinv IX 12.59 03/31/2012 -13.87 09/30/2011

Best Fit Index: DJ Mod Aggr IX 10.02 03/31/2012 -13.50 09/30/2011

Other Key Facts About This Fund

Current NAV 22.22 Number of Equities Held 761

Yield - 30 Days (%) 0.00 Average Price to Earnings 21.37

Yield - 12 Months (%) 1.42 Average Price to Book 3.31

Fund fact sheet not valid without Disclaimer Page. Past performance is no guarantee of future results. Investment return and value of shares will fluctuate, so those shares, when redeemed, may be worth more orless than their original cost. This report is not authorized for distribution unless accompanied or preceded bya current prospectus of the fund. Call 800-441-7762 for the most recent month-end performance results. Theprospectus contains important information of the fund, including its management fees, sales charges, andother expenses. Please read the prospectus carefully before you invest or send money.Date of first use: 07/21/14 Lipper, a Thomson Reuters Company. Copyright 2014 Thomson Reuters. All rights reserved. Any copying,republication or redistribution of Lipper content is expressly prohibited without the prior written consent ofLipper. Lipper Fund Fact Sheets Service; Product ID: D1v2.4.

Fund Full NameBlackRock Global Allocation Fund, Inc; Institutional Shares

Lipper ClassificationGlobal Flexible Port Funds

Investment PolicyThe Fund seeks high total investment return, consistent withprudent risk, through a fully-managed investment policyutilizing US and foreign equity, debt and money marketsecurities. This combination will be varied in response tochanging market and economic trends.

Growth of $10,000 Investment

8

10

12

14

16

18

20

22

24

04 05 06 07 08 09 10 11 12 13 14

BlackRock:Gl Alloc;I$22,557

DJ Mod Aggr IX$22,143

Top Holdings as of 04/30/14

Holding Name Percent of Assets

BRAZIL 10.000% 01-JAN-2023 1.87

US TREASURY 0.000% 10-JUL-2014 1.66

US TREASURY 0.000% 21-AUG-2014 1.31

US TREASURY 0.000% 19-JUN-2014

1.15

UNITED KINGDOM 1.250% 22-JUL-2018 1.12

US TREASURY 0.000% 09-OCT-2014 1.00

US TREASURY 2.750% 15-FEB-2024 1.00

GERMANY 4.250% 04-JUL-2017 0.96

US TREASURY 0.000% 14-AUG-2014 0.91

US TREASURY 0.000% 17-JUL-2014 0.90

Percent of Assets in Top Holdings 11.88

Asset Allocation as of 04/30/14

Equity 65.12

Fixed Income 32.41

Other 1.83

Cash 0.63

Top Sectors by Percent1 as of 04/30/14

Basic Materials 6.40

Financials 12.65

Consumer Services 4.00

Oil & Gas 5.42

Telecommunications 2.02

Health Care 7.50Consumer Goods 9.68

Utilities 1.82

Industrials 10.15

Technology 4.32

1 Sector weightings are based on Industry Classification Benchmark (ICB) Industries.

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0 MFS Modt Alloc;R4Data updated as of 06/30/2014

Fund Overview

NASDAQ Ticker Symbol MAMJX Inception Date 04/01/2005

Asset Type Mixed Equity Funds Fund Manager Joseph C. Flaherty, Jr.

Total Net Assets ($M) 213.2 Fund Manager Tenure 2005

Gross Expense Ratio (%) 0.80 Management CompanyMFS Investment Management111 Huntington Avenue Boston MA 02199800-225-2606

Net Expense Ratio (%) 0.80

Portfolio Turnover Percent 5

Average Market Capitalization ($M) 32,553

Trailing Performance 06/30/2014

Cumulative (%) Annualized (%)

Quarterto Date

Yearto Date 1 Year 3 Year 5 Year 10 Year

SinceIncep.

MFS Modt Alloc;R4 3.12 4.75 14.91 9.39 13.13 -- 7.26

Broad Based Index: S&P 500 Daily Reinv IX 5.23 7.14 24.61 16.58 18.83 7.78 --

Best Fit Index: DJ Moderate IX 3.79 5.76 16.21 8.96 12.21 7.39 --

Peer Group Average: Lipper Mix Tgt All Mod Average 3.40 5.27 14.83 8.64 11.59 6.07 --

Calendar Year Performance 12/31/2013

2009 2010 2011 2012 2013

MFS Modt Alloc;R4 27.48 14.79 0.53 13.41 14.81

Broad Based Index: S&P 500 Daily Reinv IX 26.46 15.06 2.11 16.00 32.39

Best Fit Index: DJ Moderate IX 23.79 13.84 0.43 11.19 14.45

Risk Analysis (3 Year) 06/30/2014

These statistics are measured against the Fund's broad based index: S&P 500 Daily Reinv IX

Alpha: -0.09 Beta: 0.66 Standard Deviation: 8.29 Sharpe Ratio: 1.11

Alpha measures amanager's contribution toperformance due tosecurity selection or markettiming relative to the broadbased index.

Beta measures a portfolio'ssensitivity to marketmovements in the broadbased index.

Standard deviation is ameasure of risk that gaugesthe variability of actualreturns from their expectedvalues and the dispersion ofthese variations over time.

A measure that usesstandard deviation andexcess return to determinereward per unit of risk.

Best 3 Month Period Worst 3 Month Period

Performance Date Performance Date

MFS Modt Alloc;R4 8.04 03/31/2012 -9.26 09/30/2011

Broad Based Index: S&P 500 Daily Reinv IX 12.59 03/31/2012 -13.87 09/30/2011

Best Fit Index: DJ Moderate IX 7.28 03/31/2012 -8.96 09/30/2011

Other Key Facts About This Fund

Current NAV 16.99 Number of Equities Held 22

Yield - 30 Days (%) 0.00 Average Price to Earnings 14.30

Yield - 12 Months (%) 1.84 Average Price to Book 2.55

Fund fact sheet not valid without Disclaimer Page. Past performance is no guarantee of future results. Investment return and value of shares will fluctuate, so those shares, when redeemed, may be worth more orless than their original cost. This report is not authorized for distribution unless accompanied or preceded bya current prospectus of the fund. Call 800-225-2606 for the most recent month-end performance results. Theprospectus contains important information of the fund, including its management fees, sales charges, andother expenses. Please read the prospectus carefully before you invest or send money.Date of first use: 07/22/14 Lipper, a Thomson Reuters Company. Copyright 2014 Thomson Reuters. All rights reserved. Any copying,republication or redistribution of Lipper content is expressly prohibited without the prior written consent ofLipper. Lipper Fund Fact Sheets Service; Product ID: D1v2.4.

Fund Full NameMFS Series Trust X: MFS Moderate Allocation Fund; Class R4Shares

Lipper ClassificationMixed-Asset Target Alloc Moderate Funds

Investment PolicyThe Fund seeks long-term growth of capital and currentincome. The Fund invests in other MFS funds with thefollowing target allocations: 40% in bond funds, 41% in U.S.stock funds, 13% in international stock funds and 6% inspecialty funds.

Growth of $10,000 Investment

8

10

12

14

16

18

20

05 06 07 08 09 10 11 12 13 14

MFS Modt Alloc;R4$19,393

DJ Moderate IX$19,080

Top Holdings as of 05/31/14

Holding Name Percent of Assets

MFS RESEARCH BOND FUND;R5 11.96

MFS GOVERNMENT SECURITIES FUND;R5 9.94

MFS GROWTH FUND;R5 8.06

MFS RESEARCH FUND;R5

8.03

MFS VALUE FUND;R5 8.01

MFS MID CAP VALUE FUND;R5 7.02

MFS MID CAP GROWTH FUND;R5 7.00

MFS RESEARCH INTERNATIONAL FUND;R5 6.00

MFS INFLATION ADJUSTED BOND CL R5 MF 5.00

MFS GLOBAL BOND FUND;R5 4.98

Percent of Assets in Top Holdings 76.00

Asset Allocation as of 05/31/14

Equity 54.71

Fixed Income 37.74

Other 5.27

Cash 2.29

Top Sectors by Percent1 as of 05/31/14

Health Care 5.87

Financials 11.00

Basic Materials 2.22

Technology 5.49

Telecommunications 1.11

Consumer Services 7.34Consumer Goods 7.38

Utilities 1.10

Industrials 8.64

Oil & Gas 3.44

1 Sector weightings are based on Industry Classification Benchmark (ICB) Industries.

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MetLife Stable Value Solutions Fund Fee CL 80 A Wilmington Trust Retirement and Institutional Services Company Collective Fund As of June 30, 2014

Wilmington Trust Retirement and Institutional Services Company 2800 N. Central Avenue, Suite 900 Phoenix, AZ 85004 602.296.1999

To learn more: Call us at: 602.296.1999 Email us: [email protected] Visit us online at www.wtris.com

Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 www.metlife.com

Investment Objective The Fund provides a guarantee of both principal and interest for participant-initiated withdrawals.

Fund Information Fund Analysis Fees (as of 12/31/2013) Strategy: Stable Value Average Duration (yrs): 4.90 Gross Expense Ratio: 1.17% CUSIP: 971803192 Average Quality: A+ Net Expense Ratio: 1.17% Bloomberg Ticker: W3M5480 Number of Holdings: 1,116 Inception Date: 6/30/2011 Market Value/Book Value (%): 102.46 Benchmark: BOA/Merrill Lynch 1 Year U.S. Treasury Index Annual Turnover Rate (%): 22 Credit Quality Breakdown Allocation by Separate Account as of June 30, 2014 AAA 62.31% BBB 18.76% CCC and lower –% AA 6.22% BB –% NR –% A 11.69% B –% Cash & Cash Equiv. 1.02%

59.35%

MetLife Aggregate Bond Index Separate Account

30.69% Wilmington Short Intermediate Bond Separate Account

9.96% Wilmington Broad Market Bond Separate Account

Maturity Breakdown 0-1 Years 1.09 % 5-10 Years 20.98% 1-5 Years 48.37% 10+ Years 28.54% Crediting Rates 2009 2010 2011 2012 2013 2014 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q

2.85% 3.00% 3.25% 3.35% 3.20% 3.25% 2.72% 2.45% 2.15% 2.25% 2.45% 2.25% 2.05% 1.90% 1.80% 1.70% 1.65% 1.45% 1.40% 1.35% 1.30% 1.45% 1.50% -

Performance (not annualized if less than 1 year)

0.32 0.32

1.39

– –

1.75

0.53 0.53

2.38

– –

2.68

0.08 0.08 0.26 0.330.56 0.29

-5%

0%

5%

1 Quarter YTD 1 Year 3 Years 5 Years Inception

WTRISC CIT III for Metlife GAC 25554 (Net)

WTRISC CIT III for Metlife GAC 25554 (Gross)

BOA/ Merrill Lynch 1-Year Treasury Index

Growth of $10,000 Return Disclosures

Jun-11

Sep-11

Dec-11

Mar-12

Jun-12

Sep-12

Dec-12

Mar-13

Jun-13

Sep-13

Dec-13

Mar-14

Jun-14

The performance data represents past performance; past performance does not guarantee future results. All returns shown are time-weighted and include the reinvestment of income. Your investment could lose money. Information about the Fund’s principal risks is available in the disclosure statement attached. The Fund invests in a contract that holds Separate Accounts at MetLife. The actual annual guaranteed rate that has been declared each quarter is shown above. The guaranteed crediting rates are net of all fees. There is no guarantee that future rates will be similar. Guarantees are subject to MetLife's financial strength and claims paying ability. Current performance may be lower than the performance data quoted. For performance information current to the most recent month end, please call 1-602-296-1999.

MetLife Stable Value Solutions Fund Disclosure Statement A Wilmington Trust Retirement and Institutional Services Company Collective Fund

*A Wilmington Trust Retirement and Institutional Services Company Collective Fund This Disclosure Statement summarizes the basic terms and conditions of the Fund. The Fund is maintained by the Trustee as part of the Wilmington Trust Retirement and Institutional Services Company Collective Investment Trust. The Fund is not a mutual fund. The Fund is a “group trust” within the meaning of Internal Revenue Service Revenue Ruling 81-100, as amended, and is a collective investment trust that is exempt from registration under the Investment Company Act of 1940. The decision to invest in the Fund should be carefully considered. This Disclosure Statement is only a summary of some of the key features of the Fund. Participation in the Fund is governed by the Trust and the terms of the participation materials which must be reviewed and signed in order to invest in the Fund. Please carefully review the Trust and participation materials before investing in the Fund. In the event of a conflict between the provisions of this Disclosure Statement and the Trust or participation materials, the Trust or participation materials control. Neither the Securities and Exchange Commission nor any other regulatory body has approved or disapproved the Fund or passed upon the accuracy or adequacy of this disclosure statement.

Participation and Eligibility The MetLife Stable Value Solutions Fund (the “Fund”) accepts investments from participants through (1) trusts forming part of a retirement, pension, profit sharing, stock bonus or other plan qualified under Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”) and exempt from taxation under the provisions of Section 501(a) of the Code; (2) retirement plans of a federal, state or local governments or assets of federal, state or local governments intended for use in satisfying an obligation to provide retirement benefits provided that such plan or governmental unit is described in Section 818(a)(6) of the Code; and (3) any other trust or plan which is permitted by applicable rules or regulations of, as applicable, the OCC, the Federal Reserve, the U.S. Securities and Exchange Commission and the Internal Revenue Service to pool its funds in a group trust or a bank collective investment fund. In order for a Plan to invest in the Fund, an eligible Plan must complete and return all necessary participation materials and other required documentation to the Trustee (or its authorized representative) and specifically authorize and direct the investment of assets in the Fund. If at any time the Trustee determines that the Plan is no longer eligible for participation in the Fund, the Plan’s investment in the Fund will be promptly withdrawn and returned to the Plan.

Management of the Fund Trustee: Wilmington Trust Retirement and Institutional Services Company (the “Trustee”) serves as the Trustee of the Fund and maintains ultimate fiduciary authority over the management of, and investments made, in the Fund. The Fund is part of the Wilmington Trust Retirement and Institutional Services Company Collective Investment Trust III (the “Trust”) operated by the Trustee. Wilmington Trust Company and its Wilmington Trust affiliates (“Wilmington Trust”) provide Wealth Advisory Services for high-net-worth clients throughout the United States and Europe, and Corporate Client Services for institutional clients throughout the world. Wilmington Trust has offices in Arizona, California, Connecticut, Delaware, Florida, Georgia, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New York, Pennsylvania, South Carolina, Vermont, the Cayman Islands, the Channel Islands, London, Dublin, Frankfurt, Luxembourg, and Amsterdam. Wilmington Trust is owned by M&T Bank Corporation. M&T is a financial holding company headquartered in Buffalo, New York. M&T’s primary banking subsidiary, M&T Bank (including the Wilmington Trust Division of M&T Bank) operates retail and commercial bank branches in the Northeast United States and Ontario, Canada.

Investment Process The Fund is invested 100% in the MetLife Group Annuity Contract No. 25554 (the “Contract”). This contract is comprised of three separate accounts: the MetLife Aggregate Bond Index Separate Account, the Wilmington Short/Intermediate Bond Separate Account, and the Wilmington Broad Market Bond Separate Account. The MetLife Aggregate Bond Index Separate Account is managed by the Metropolitan Life Insurance Company and will invest in investment-grade fixed income securities, including U.S. Treasury, Government-Related, Corporate, Agency-Issued Mortgage-Backed, Commercial Mortgage-Backed and Asset-Backed Securities. The MetLife Aggregate Bond Index Separate Account may invest in such securities in order to maintain the Index characteristics. With the exception of Treasury, U.S. Agency and U.S. Government-sponsored enterprises (i.e. FNMA, FHLMC, FHLB), no issue will represent more than 5% of the overall account. Cash and cash-equivalents may be held in portions as deemed appropriate by MetLife to ensure liquidity. There will be no assets of below investment-grade quality.

The Wilmington Short/Intermediate Bond Separate Account is sub-advised by the Wilmington Trust Company and will invest in fixed income securities such as U.S. government and agency securities, publicly traded mortgage and asset-backed securities (including CMOs), Yankee securities, public corporate debt (including Capital Securities) and cash equivalents. A weighted-average credit quality of A or higher will be maintained in the account. Assets which are downgraded below these ratings will be liquidated as market conditions reasonably permit. The Wilmington Broad Market Separate Account is also sub-advised by the Wilmington Trust Company and will invest primarily in fixed income securities of U.S. Dollar denominated issuers including corporations, government-sponsored agencies and U.S. Treasury securities. A weighted-average credit quality of A or higher will be maintained in the account. Assets which are downgraded below these ratings will be liquidated as market conditions reasonably permit.

Benchmark The Bank of America / Merrill Lynch One-Year U.S. Treasury Note Index is the benchmark against which the Fund's performance is measured. The Bank of America / Merrill Lynch One-Year U.S. Treasury Note Index is comprised of a single issue purchased at the beginning of the month and held for a full month. At the end of the month that issue is sold and rolled into a newly selected issue. The issue selected at each month-end rebalancing is the outstanding U.S. Treasury note that matures closest to, but not beyond, one year from the rebalancing date. To qualify for selection, an issue must have settled on, or before, the month-end rebalancing date. Principal Risks of Investing in the Fund Following are the principal risks assumed by investing in the Fund: •Market risk. Some or all of the securities held in the separate accounts may decline in value due to factors affecting securities markets generally or particular industries represented in those markets. Values of securities may also decline due to general market conditions which are not related to a particular company, such as real or perceived economic conditions, changes in interest or currency rates, future expectations or investor confidence. They may also decline due to factors affecting particular industries, such as increased production costs, competitive conditions within an industry or labor shortages. Additionally, the ability of the separate accounts to dispose of or accurately value an instrument may be adversely affected by market or economic conditions.

•Industry/sector risk. Securities in a particular industry or market sector may under-perform securities in other industries or sectors in the market. Because a separate account may invest a substantial portion of assets in related industries or sectors, it may have greater risk because companies in these industries may share common characteristics and may react similarly to market developments.

•Issuer risk. The value of a security may decline for a number of reasons that directly relate to the issuer, such as management performance, financial leverage and reduced demand for the issuer’s goods or services.

•Manager risk. Poor security selection may cause a separate account to under-perform funds with a similar objective or relative benchmark.

•Interest rate risk. The value of debt securities and the income generated by debt securities may be affected by changing interest rates. A nominal interest rate can be described as the sum of a real interest rate and an expected inflation rate. Inflation indexed securities, including Treasury Inflation-Protected Securities, decline in value when real interest rates rise. In certain interest rate environments, such as when real interest rates are rising faster than nominal interest rates, inflation-indexed securities



may experience greater losses than other fixed income securities with similar durations.

•Credit risk. The values of debt securities and the income generated by these instruments may be affected by changes in effective maturities and credit ratings of these securities. A bond issuer may be unable to make timely payments of interest and principal. A negative perception of the bond issuer by a major credit rating agency or a change in the financial integrity of the issuer may also cause a decline in the price of the bond.

•Call risk. The issuer of a callable bond may call or prepay the bond before maturity due to declining interest rates. The proceeds from the called bond would be forced to be reinvested at lower prevailing market interest rates.

•High yield risk. Securities rated lower than BBB by S&P or Baa by Moody’s are referred to as “high yield” or “junk” bonds. Investing in high yield bonds carries additional risks such as a potentially greater price fluctuation and lower liquidity. To the extent a separate account is permitted to retain its investment in these instruments, that portion of the Fund’s assets may be particularly susceptible to this risk. High yield bonds are often considered speculative with respect to the issuer’s ability to meet principal and interest payments, and may be more susceptible to adverse economic conditions.

•Liquidity risk. Particular investments that are difficult to purchase or sell could prevent the Fund from selling an illiquid security at its optimal time or price.

•Mortgage-related and asset-backed risk. The separate accounts may invest in a variety of mortgage-related securities, including commercial mortgage securities and other mortgage-backed instruments. The separate accounts may also invest in asset-backed securities, which are bonds backed by pools of loans or other receivables. The value of mortgage-backed or other asset-backed securities may be particularly sensitive to changes in prevailing interest rates. Rising interest rates tend to extend the duration of mortgage-related securities, making them more sensitive to changes in interest rates, and may reduce the market value of the securities. In addition, mortgage-related securities are subject to prepayment risk (the risk that borrowers may pay off their mortgages sooner than expected) particularly when interest rates decline. This can reduce the Fund’s returns because the separate account may have to reinvest that money at lower prevailing interest rates. Some asset-backed securities, particularly home equity loan transactions, are subject to interest-rate risk and prepayment risk. A change in interest rates can affect the pace of payments on the underlying loans, which in turn affects total return on the securities. In addition, asset-backed securities carry credit risk or default risk. If many borrowers on the underlying loans default, losses could exceed the credit enhancement level and result in losses to investors in an asset-backed security transaction.

Fees and Expenses The participants will incur trustee fees, contract charges, and other operating expenses related to the Fund. Other operating expenses may include, but are not limited to, audit expenses, custody service fees, tax form preparation expenses, legal and other fees. All fees and expenses will be reimbursed from the Fund when they are incurred. Any expenses incurred in connection with the investment and reinvestment of Fund assets including without limitation, any transfer agency fees, brokerage commissions and expenses, will be charged against the Fund. The Trustee has also agreed to pay an annual fee of 0.70% of assets invested in the Fund to third parties that provide services to the Fund and/or the Plan (the “Sub-TA Fee”). All, or a portion of this fee, may be paid to Plan service providers, such as third-party administrators and Plan record keepers, that provide sub-transfer agency,

recordkeeping and other administrative services to Plans invested in the Fund to help defray the costs incurred in connection with maintaining and servicing Plan accounts. All, or a portion of this fee, may be used to compensate other Plan service providers, including financial advisors, brokers and securities dealers for distribution and marketing services performed in the promotion of the Fund’s Units and/or services to the Fund’s Unit Holders. The participants in the Fund will also incur expenses charged pursuant to the underlying group annuity contract, which include investment management fees, custody fees, evaluation fees, and wrap fees (the “Acquired Fund Fees and Expenses”). Below is a breakdown of the fees on the Fund: MetLife Stable Value Solutions Fund Fee CL 80Management Fee: 0.00%Trustee and Administrative Services Fee: 0.15%Sub-TA Fee: 0.70%Other Expenses: 0.00%Acquired Fund Fees and Expenses

(Contract Charge retained by MetLife): 0.16%(Contract Charge paid by MetLife to the Wilmington Trust Company): 0.16%

Total Annual Fund Expense Ratio: 1.17% Fees and expenses are only one of several factors that participants and beneficiaries should consider when making investment decisions. The cumulative effect of fees and expenses can substantially reduce the growth of a participant’s or beneficiary’s retirement account and that participants and beneficiaries can visit the Employee Benefit Security Administration’s website for an example demonstrating the long-term effect of fees and expenses. The example in the following table is intended explain the ongoing costs of investing in the Fund and to compare these costs with the ongoing costs of investing in other collective funds. The first column provides information about actual account values and actual expenses. The second column provides information about hypothetical account values and hypothetical expenses based on the Fund’s actual expense ratio and an assumed rate of return of 5.00% per year, which is not the Fund’s actual return. The hypothetical account values and expenses may not be used to estimate the actual account balance or expenses you paid for the period. This example is based on an investment of $1,000 invested for one year:

For MetLife Stable Value Solutions Fund - Fee CL 80

Actual Value - Fee CL 80

Hypothetical Value (assuming a 5.00% return) -

Fee CL 80 Beginning Account Value - June 30, 2013 $1,000.00 $1,000.00Ending Account Value - June 30, 2014 $1,013.84 $1,039.50

Expenses paid during the year $8.62 $8.95Expenses paid during the year (including Acquired Fund Fees and Expenses) $11.86 $12.32



Purchasing Units in the Fund Beneficial ownership of the Fund is evidenced by units (“Units”) which represent undivided proportionate interest in all of the Fund’s assets and liabilities. Each Unit is entitled to the allocated proportional share of all income, profits, losses, and expenses of the Fund. Units of the Fund may be purchased daily. Please consult with your Plan or Plan fiduciary to determine how to purchase Units of the Fund. All purchases of Units are subject to acceptance by the Trustee. The purchase price will be the net asset value (“NAV”) which is next computed after receipt of the purchase request in good order by the Trustee or the Trustee’s authorized representative. Purchase requests received before the close of trading on the New York Stock Exchange (generally, 4 p.m. ET) will be priced at that business day’s NAV; purchase requests after the close of trading on the New York Stock Exchange (generally, 4 p.m. ET) will be priced at the NAV on the next business day. If you place an order through an intermediary, please consult with the intermediary to determine when your order will be executed. Some intermediaries may require that they receive order prior to a specified cut-off time. The Trustee reserves the right to restrict, reject or cancel any purchase, exchange or redemption order for any reason. Please see “Frequent Trading of Fund Units” for additional restrictions on purchasing Fund Units.

Restrictions on Redemptions Participants may generally redeem Fund Units on a daily basis, subject to the limitations outlined below. Please consult with your Plan or Plan fiduciary for procedures on redeeming Fund Units. The redemption price will be the NAV which is next computed after receipt of the redemption request in good order. Redemption requests received before the close of trading on the New York Stock Exchange will be priced at that business day’s NAV; purchase requests after the close of trading will be priced at the NAV on the next business day. Redemption requests may not be changed or cancelled after the valuation date on which the redemption is scheduled to take effect. While all participant-directed redemptions are typically processed on the day requested, the Trustee may, in its sole discretion, delay such redemption for up to 10 business days. All redemptions other than participant-directed withdrawals as defined by the Fund are paid as the lower of guaranteed value or market value of the Contract. Prior Notice: Advance written notice is required for any redemption directed by a Plan sponsor. If no specific date is set forth under such notice, the redemption will occur on the next business day after the redemption request is received. Redemptions will be made on a pro rata basis from the Plan’s interest in the Fund. Large Transactions: Advance written notice of 60 days is required for any Plan sponsor-directed redemption of $1,000,000 or more or ten percent (10%) of the Plan’s assets invested in the Fund. If total Fund withdrawals from all Plans requesting withdrawals exceed the amount of uncommitted cash and the liquid investments available on the redemption date, payments will be made based upon the following priorities: (1) requests for redemptions in order to pay benefits from Plans (2) requests for redemptions to effect transfers to other investments directed by Plan

participants; (3) all other redemption requests. Please see “Frequent Trading of Fund Units” for additional restrictions on redeeming Fund Units.

Frequent Trading of Fund Units The Fund is intended for long-term investment purposes and not for market timing, excessive trading or other abusive trading practices. “Market timing” refers to the practice of frequent purchases and redemptions of Fund Units, often with the intent to earn arbitrage profits. Frequent or abusive trading of Fund Units can harm other unit holders, including by diluting the Unit value, increasing Fund transaction costs and disrupting the management strategy of the Fund. The Fund’s Trustee has adopted excessive trading policies designed to discourage and detect abusive trading. Accordingly, purchases, exchanges or redemptions that the Fund determines could involve actual or potential harm to the Fund will be rejected. Although the Fund’s trading policy is designed to detect and discourage these abusive trading schemes, there can be no guarantee that all instances of market timing, excessive or other short-term trading in Fund Units will be detected or prevented.

Unit Valuation Units of the Fund will be valued each day on which the New York Stock Exchange is open for trading in accordance with the valuation procedures established by the Trustee. The NAV per Unit of is calculated as of the close of trading on the New York Stock Exchange (generally, 4 p.m. ET) each day that the NYSE is open for business. To calculate the NAV, the Fund’s assets are valued and totaled, liabilities are subtracted, and the balance is divided by the number of Units outstanding. The Trustee may, from time to time, split or combine Units of the Fund as of a particular valuation date and the value of each Unit will be adjusted accordingly. Assets held by the Fund are valued primarily on the basis of market quotations. Each asset is valued at the closing price at the time of valuation on the exchange or market on which the security is principally traded, or, if no closing price information is available, using the most recent bid quotation in the principal exchange. If a market price is not readily available or if such price is deemed unreliable, it will be valued at “fair value” in accordance with valuation procedures established by the Fund Trustee. The Fund’s determination of “fair value” involves consideration of a number of subjective factors, and therefore, no single standard for determining fair value will apply.

General Risk Considerations The decision to invest in the Fund and the risks involved in doing so should be carefully considered. The Fund should be considered a long-term investment. Please read the section above, titled “Principal Risks of Investing in the Fund,” for a detailed description of specific risk factors applicable to this Fund. Investing involves market risk, including the possible loss of principal. There is no assurance that the stated investment objectives of the Fund will be achieved. A participating Plan is not entitled to participate in the management of the Fund or the conduct of its business. The Fund is not registered as an investment company under the Investment Company Act of 1940. Investments in the Fund are not insured or guaranteed by any bank, the FDIC, or any other governmental entity. The return figures shown on the front page of this Disclosure Statement reflect a specific class of units. Other fee classes may currently be available or may become available in the future. Not all fee classes are available for investment by all Plans. In cases where a specific fee class was not yet launched as of the date of this Disclosure Statement, return figures shown may reflect the performance of a previously launched fee class. Fees vary across fee classes and the net returns investors earn will be different from one fee class to another.



Additional Issues Relating to Fund Operations Reinvestment of Earnings: Earnings of the Fund will be reinvested and the Fund value will be adjusted accordingly. Tax Status: The Trust has received a determination from the IRS that the Trust is exempt from federal income taxation under Section 501(a) of the Code and pursuant to the requirements of Revenue Ruling 81-100. Direct Filing Entity: For purposes of the U.S. Department of Labor Form 5500, the Trustee will be a “direct filing entity.” Audit and Financial Account: The Fund will be audited at the end of each fiscal year end, December 31, by independent certified public accountants responsible to the Trustee’s Board of Directors. Audit fees will be charged to the Fund. Promptly after each fiscal year, the Trustee will prepare a written account of all transactions relating to the Trust and the Fund. This written account will be based upon the audit performed on the Fund. The Trustee will make a copy of the written account available to each participating Plan or any other interested party upon request. Amendment: The Trustee may amend the Trust or the Fund from time to time in order to satisfy the requirements for tax exemption under the Code or as it may otherwise deem necessary. The Trust may not be amended in such a way that would modify the way in which distributions are made or result in a distribution to persons other than those entitled to benefits under the participating Plan. The Trustee will notify each participating Plan of any amendments or modifications to the Trust or Fund. Termination: The Trustee may, in its sole discretion and upon notice to each participating Plan, terminate the Trust or Fund at any time. Upon termination, the Trustee may first reserve amounts to discharge any expenses chargeable to the Trust and thereafter will distribute the remaining assets to the participating Plans in proportion to each Plan’s interest in the Trust or Fund. Closing of Fund: The Trustee, in its sole discretion, may close the Fund to new participating Plans at any time. Subject to the Trustee’s right to terminate the Trust (as described above), the Fund shall continue to be administered until all Units have been redeemed. Notices and Directions: Any notice or direction to be given under the Trust must be made in writing and will be effective when actually received by the Trustee or the Plan at such party’s address of record. For More Information: This Disclosure Statement is only a summary of some of the key features of the Fund. Please carefully review the Trust Agreement and participation materials prior to investing in the Fund. The Trust Agreement and participation materials provide limitations on liability and indemnifications in favor of Trustee. To learn more or obtain additional materials governing the Fund, please contact your Plan sponsor or Plan trustee. You may also obtain a copy of the Trust Agreement and participation materials, without charge, by contacting: Wilmington Trust Retirement and Institutional Services Company c/o Collective Fund Services Department P.O. Box 52129

Phoenix, AZ 85072-2129 Tel. 800.458.9269 Fax. 602.955.9771

How to Access Your Account: Through the internet at www.plandestination.com

— or — Through your Client Service Center at 1-800-650-1065

300 International Parkway Suite 270 Heathrow, FL 32746

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