This program is provided by the Metropolitan Life Insurance Company and offers the following features and benefits:

• Diversification of your investment with over 20 investment options and a guaranteed fixed interest account
• Automated Investment Strategies to assist in the management of the account
• Protection for your heirs with a guaranteed death benefit
• Flexibility and control with free unlimited transfers between funding options (some limitations may apply, see prospectus)
• Freedom of choice as you can liquidate the account or transfer to another program without sales charge
  

Members who contribute to this investment option will not incur a sales charge for initial or ongoing investments, or upon withdrawal from the plan. There is an annual 95 basis point (0.95%) administrative charge. A $20 GEBA administrative fee may be charged for withdrawals in certain situations. See GEBA's Summary Plan Description for details.

You may establish a Traditional IRA or a Non-Qualified Group Annuity account using this investment. Your IRA investment may be fully or partly tax-deductible and either account will grow tax-deferred until you make withdrawals.

We encourage you to review the prospectus for detailed information including investment option performance and other fees and expenses. Please contact GEBA for a prospectus.

For those members invested in the previously offered Nationwide Best of America Variable Annuity, please contact the GEBA office for additional information or visit the Best of America Annuity web site, www.bestofamerica.com.