Thursday, January 18, 2018

Moni and Cardinal Jozsef Mindszenty

Dear Mr. Steverson,
Following our yesterday’s conversation, I’m still shocked. I’ve become very curious about my distant family tie with József Mindszenty, so I’m going to check it up soon. I hope that I’m going to have good news about it.
Yours sincerely,
Mónika (Oct. 1, '14)

I was delighted to meet you. Thank you for following through on our initial conversation. I feel excited about making your acquaintance.
I do not know where our friendship and our relationship will lead, but I am excited about getting started.
This is a good way to communicate. Until we find a better way, I suggest we use this FB message as a way to communicate.
I need to get to know you better. I am getting acquainted with your distant relative, Jozsef Cardinal Mindszenty. That is a good place for us to start; it is where we first found common ground. That will not be the total sum and substance of our involvement, I think and I hope.
Let me think out loud. This is premature, but I want us to produce a credible body of material that the world and history needs. That might be a series of articles, or stories, or a book or two.
I would like to know what you have written already. Have you published anything? Do you write a blog or anything else that is published and public?
What have you written? What is your educational level? BA? MA? PHd? Do you work? Are you a teacher? Where do you teach? Where have you taught before?
How big is your family? Who else in your family shares your enthusiasm for Mindszenty? How will they react to your discussing him with me? Are there any family secrets, or any dirty linen that other family members may not want to make public?
I think that is enough for now. i do not want to overwhelm you. But, I want to produce a book of some sort that can be marketed worldwide from America. We can workout the details of how we want to distribute the proceeds or profits that may results. Yes, I am optimistic. I think and hope that there will be profits. This will be fun, but this is not a hobby. This is an academic pursuit but it will be for profit.
When you have had time to digest all of this, please get back to me.
I do not want our private conversations and arrangement to be discussed at the Book Club. What we decide to do will be private and personal until we make it public. Bogi has no right to be a party to our arrangements. We need to maintain confidential communications until we decide what we are doing and where we are going. Do you agree?
I will look at your FB page, but it will not answer all of my questions and will not tell me all that I need to know.
Again, Thanks for your good faith in me, and for your new friendship. I am a dreamer. I dream big. I have a vivid imagination.
Szia,
Dear Judge London,

I will answer your questions soon!

Szia, Móni
October 3rd, 11:56pm
OK. We have plenty of time. I hope I did not hit you with too much at once, but we have to start somewhere. As the old saying goes: a journey of one thousand miles must begin with a single step. Right?? I like your Facebook page. Szia, London
October 4th, 7:19am

Dear Judge London,
First I have to apologize for being late, but I had some technical problems in the last few days. My laptop has just died, my daughter’s computer was in the service, I borrowed a pc from my school, but it was very, very slow and now the internet connection is really wrong. I know it sounds a little bit mysterious for an American, but…
Oh…you asked me so many questions!!!….but I’ll try to answer them all. It is very nice from you that you are curious of me.
I liked very much when you identified yourself as a dreamer. It is good news for me and for the world that there are dreamers with huge heart and a mind and body full of energy.
I asked Bogi about your work for the American Corner and I think it is really respectable and appreciated. I saw your facebook photos and I congratulate you to your nice family and your beautiful children.
As you wish I would like to announce that our conversations are private, I won’t share our topics with anyone until we decide otherwise.
I hope we will have a productive work together. If there was some profit I would be satisfied with the feeling of “no more worry about the monthly bills”. I’m not greedy at all, and I don’t have big dreams about the money. My salary in the school is enough for a moderate living. But: “If I were a rich man… ” I would find the ways to support children
Don’t you mind if I send my message in sections?
October 4th, 11:28am

I have a BA degree in a Teacher Training College of University of West Hungary of Győr. I teach in a junior section of an elementary school in Várpalota. I’m appreciated in my school and town.
Few years ago I’ve decided to study English in the University of Pannonia in Veszprém. I‘ve already accomplished about 120 credit points of 180 in BA. It is enough for me to be admitted to the MA course of next February, once I would like to get the MA degree.

I mean: in February
October 4th, 12:47pm

Only my closest friends (my brother, my daughter and a friend from my childhood, and 2 or three of my colleges) know my intentions to translate books from English to Hungarian and write my own book after I will be 50. I used to say: “You will see, once, when I’m old enough, I will just sit down and I will write and write, because my head is full of stories and a lively imagination.
Basically l’m reserved, and this is why it is so interesting and hard to me to write about myself. Otherwise I’m very sociable, I like to amuse the people around me.
October 5th, 2:36am

I made a sketch about my family and I signed with red the branch of my family tree at issue. If I know it well, my grandfather’s mother came from the Phem family, and József Mindszenty’s birth name was József Phem, so his father came from the Phem family, as well.

October 5th, 3:40am

You asked me if I had a publication. I had just 2 or 3 short articles in the local newspaper about the open-air school what I had organized first in my elementary school. Once I was asked to write some thoughts about the unemployment in a first issue of a local newspaper but the second issue was the last one in the life of this newspaper.
I really enjoyed the work on my examination paper in the university, in 1986. I chose a very unusual topic at that time, “The operation of the alternative churches in Hungary”. It was very strange for our teacher, but I liked to search and visit these places and asked people about their religions. (At that time I was in the middle of looking for my own church and my own religion.)
In 1988, after I had come home from the USA, I found a tale writing competition in an American newspaper. I think I was very naive but I sent two of my stories there. They answered me soon, and they suggested me very politely that it would be better to write in my mother tongue first. They were absolutely right.
That is all about my writings. Since my writings are mostly in my diaries because I used to write by hand. But most of the stories are still in my head. I prefer short stories.

Few words about “my English knowledge”: I gained basic knowledge of English language during my studies in the high school. Since that I have never taken part English language courses. I tried to learn by myself but the stops and restarts are not best way to learn a language.
Wednesday 3:45pm

The hardest part is coming...about my family.There is one thing you should know to understand me. I should write it down only for the facts. And you should know that I’ve already forgiven all of the persons included in my story. Now I know that I was born with a more mature soul than my family members had, so finally I found peace.
My father and mother loved each other very much. They were very intelligent and good persons, my father was a technician, a politician, a guitar player, a tennis player, but became an alcoholic for almost 20 years, than he suddenly gave up drinking. My mother was a bookkeeper. She loved her work very much and loved to help others. I have a brother, he is 5 years younger than me, and he is a senior manager at an American firm in Nemesvámos. So, my parents were nice and helpful people, but I was never in safe because they lived like the hippies. We often had big companies at home, they were drinking and singing. My task was to keep it secret (not to tell this to my grandmother), and the next day to collect the empty bottles and change them in the shop to buy some food for my brother and me, and look after my brother. I attended a high school in Várpalota, and tried to keep our real life in secret in front of my teachers. I did it with success. I just couldn’t stop reading books. I read day and night. Books were my only shelters.
After the school leaving exam I was admitted as full time student to the University of Győr. In the first term I became familiar with hunger and I always felt cold. My father was in bad condition, and my mother was the only breadwinner. Then I decided to accept my first love proposal, got married with him, became a half time student, started to work in a kindergarten, gave young children extra lessons in the afternoons, prepared for the exams at night. So I was busy. My husband and I were children, almost the same age, 18 and 19. He spoke English and Russian fluently. My cousin, who was an engineer at a Nitrogen Factory of Pétfürdő, gave him a job as a translator. At that time a huge investment project started in this factory and my husband guided Japanese and Belgian businessmen everywhere …included bars and night clubs. Everyone knew his real life except me. Our divorce was a 2 years long “horror story”.
After the divorce I was depressed and I think it was the only time when I asked for help. In 1987 my uncle from the USA wanted to see the family and we, the closest family members traveled to Vienna to meet him. It was the first occasion when my mother met her beloved brother. They haven’t seen each other until 1956.
Friday 1:23pm

My uncle Vic was a very smart and disobedient child. They lived in a 200 meter distance from one of the largest Russian soldier basis in Europe, it was in Hajmáskér. Normally he attended Davidikum in Veszprém but often played truant and went to the soldiers, made a lot of friends. My grandparents often searched him desperately everywhere. In 1956 , when the Russians occupied Budapest, he went into the melting pot and became their mortal enemy. He took part in the fights in Várpalota, and when he said good bye to his mother, he cried terribly. He left Hungary, and emigrated to the USA. The family hasn’t heard about him anything for two years, they didn’t know he was dead or alive. He became a pilot in the US Army, served as a test pilot for the NASA, then for the Israel Army, and then became President Bota’s private pilot in South Africa. I think it is a big shame, but I don’t have the right to judge him. Otherwise I know he is not a racist, he explained me that he had got a very good salary at that time. Until he became retired he worked as private pilot in the USA. He had a very interesting and exciting life and traveled all over the world. One of his son from his first wife was born in 1957 in Hungary. They first met in the late 1970’s in the USA. His second son was born from his American wife but Steven was 21 when died in a plane crash. My uncle had three more wives but right now he lives alone in Florida.
Szia Moni, Missed you last Tuesday, but Bogi told me where you were. Thanks for this anecdote. It is a good background info.

Dear London, Your welcome . Would you like to be followed?

I know my English is almost terrible...
Yes, by all means, follow me. And I will follow you. I want to get to know you and your inner circle of friends and family as close as possible. It will give me a better feel for what we can create together.
Your English is fine. It is much better than my Hungarian.

I feel honored. Thank you.

Next Tuesday in the Book Club we can speak Hungarian...if you want
Oh, please, NO!!
My Anyos would not let me try to speak Hungarian around my children. She said I ruined their pronunciation.

maybe you should be obedient
I do, always.

May the Force (and the Peace ?) be with you.
21 minutes ago

We met my uncle Vic in Vienna. We had all night and all day long conversations so it was a very nice time we spent together. He offered an invitation for me and his son Győző to work and live in the USA. Győző didn’t want to accept the invitation because he had just met a girl before, but I asked him for help, because I wanted to change my depressed life in Hungary. In Hungary I had a flat of my own which was given me by the town council for the hope of my long term work in the school. But after the divorce I had lost this flat and I had to live together with my parents…so it was terrible again.
I traveled to the USA in 1988. I was in a very bad state of mind. But I was full of good hopes. My uncle was really nice with me. We had lots of conversation about his life in Hungary and in the USA, as well. As he was a private pilot in a small plan at that time, he asked his boss’s permition, and I could fly with him so many beautiful places. I’m still very grateful for him for these experiences. His third wife was a Jewish girl and she was still in Israel for few months. I have seen many beautiful places, met new people, so it was a really nice time in my life. But I wanted to stay in the USA, and asked my uncle to help me to find a job. And this was our first conflict. He didn’t want me to work illegally because of the emigration. Now I understand his way of thinking but I couldn’t agree with him at that time. He wanted me to stay with them and wanted me to marry with one of his friends. They were very nice, friendly and helpful people and they gave me proposals but it was not my way of thinking. Finally my uncle offered me to stay and learn, and find a course at the Santa Barbara University. He offered me that he will pay my education for a while. I could hardly imagine that it is true. I was so happy. I had never dreamt about it before. It was simply unbelievable. I started to plan my new life. I decided to attend language course first and to work somehow as a babysitter for Hungarian families. I didn’t want to ask all the fees from my uncle.
But this happiness suddenly disappeared because my uncle’s wife arrived from Israel. She tried to be friendly with me, but I think she didn’t leave my uncle to support me.
Few months later I came back to Hungary. My uncle still calls me a little bit silly girl because I didn’t get married in the USA. Later he has never mentioned the university again. I really sorry but we are in very rare telephone contact. But my brother speaks with him almost every month. Few years later he supported my brother’s study in the USA to become an airplane mechanic.
I respect your choices. But, we have to live with the choices we make. It was a good experience. Perhaps, the time was not right for you to stay in USA.
Chat Conversation End

After I had come home from the USA I found a job at a Children Care Institute in Veszprém, and I had worked there for three years.
In the meantime my mother found a good job and my family run a small hotel and a restaurant in our town as a small scale enterprise. Then they rented two pubs also. So I had two ( or I don’t even know how many) jobs. To make it shorter:
I met my second husband and we have a daughter, Flora. We didn’t live together for long but we still have a good relationship to bring up our child in a normal way. We still have a common house, but he lives and works in Germany. In the last 15 years I live alone. It means I’m not a single woman but a nun. Maybe it is interesting but serious. I have no church but I’ve become deeply religious. The people around me accepted it because they see I’m happy and satisfied in this state. They know that I like to be alone and this is the best way for me to live my life and I found the peace that I was looking for.
15 years before my mother has died after a two years long illness. Then I had to nurse my grandmother until she died at her 92. Five years ago my father became ill and died after a short illness. My mother’s sister lives in the next village but I’m not in contact with her. She is a very greedy person. Her God is the money, I think.
I brought up my daughter alone, but with her father’s financial support. She has just moved to his father to live in Germany 2 weeks ago. She is a beautiful, lovely 21 years old girl.
I teach as an elementary school teacher at a school in Várpalota for 18 years. Teaching and my daughter are the most important in my life. When she became more and more independent I decided to study. I learn English at the University of Pannonia. I hope one day I will be graduated….
Chat Conversation End

After I had come home from the USA I found a job at a Children Care Institute in Veszprém, and I had worked there for three years.
In the meantime my mother found a good job and my family run a small hotel and a restaurant in our town as a small scale enterprise. Then they rented two pubs also. So I had two ( or I don’t even know how many) jobs. To make it shorter:
I met my second husband and we have a daughter, Flora. We didn’t live together for long but we still have a good relationship to bring up our child in a normal way. We still have a common house, but he lives and works in Germany. In the last 15 years I live alone. It means I’m not a single woman but a nun. Maybe it is interesting but serious. I have no church but I’ve become deeply religious. The people around me accepted it because they see I’m happy and satisfied in this state. They know that I like to be alone and this is the best way for me to live my life and I found the peace that I was looking for.
15 years before my mother has died after a two years long illness. Then I had to nurse my grandmother until she died at her 92. Five years ago my father became ill and died after a short illness. My mother’s sister lives in the next village but I’m not in contact with her. She is a very greedy person. Her God is the money, I think.
I brought up my daughter alone, but with her father’s financial support. She has just moved to his father to live in Germany 2 weeks ago. She is a beautiful, lovely 21 years old girl.
I teach as an elementary school teacher at a school in Várpalota for 18 years. Teaching and my daughter are the most important in my life. When she became more and more independent I decided to study. I learn English at the University of Pannonia. I hope one day I will be graduated….


Dear Judge London,
I’m working on our project and I haven’t found the relation between my and Cardinal Mindszenty’s family so far. But I have made some interesting statements in connection with it. I knew that it won't be very easy to find the trail of my ancestors but really suprised me that I could hardly find some documents on Cardinal Mindszenty’s family. I didn’t found his family tree and I’m not sure if it exists. If there is no family tree of him at all it would be interesting to make it. I’m still searching the trails of his family members on the Internet and in the libraries. There are some nice moments in this search, for example, I have found my grandparents’ original birth registers in the registry book, and now I know their parents’ name , as well. So, it is interesting…
I would like to find documents and data about Cardinal Mindszenty’s sisters but some of the sources hardly mention them. His mother visited him 3 or 4 times in the jail but I would like to know where were his sisters.
So my work is in progress. I know it won’t be easy but I found it more and more interesting.
I hope you are ok. See you at the Thanksgiving Party!
Szia.


Dear Judge London,
I just want to share with you some little success. I've found the records on all the sisters and brothers of Cardinal Mindszenty.
szia.

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Sunday, May 22, 2016

The Last Word, The Case of Cadet Webster Smith

 Coming soon from Amazon.com.
Advanced purchases are now available from Steverson Books, Box 606, Haymarket, VA. 20168
Send check or money order for $10.00 plus $4.00 for Shipping and handling to the above address.

Synopsis:


We, as Americans, cherish fairness. We like to believe that people are not punished or unjustly rewarded without justifiable cause. We like to dwell on parables of white virtue and black advancement culminating in the flowering of goodwill all around. Events sometimes force us to widen our gaze and focus on terrain we would rather not see. The 2006 court-martial of Cadet Webster Smith at the United States Coast Guard Academy did just that. The Webster Smith case was a litmus test for justice in America. Every once in a while a case comes along that puts our humanity as a people, and as Americans, on trial. Everything that we profess to stand for as Americans was on trial. Our sense of justice in America and particularly in the U.S. Military was on trial. This was no ordinary trial. Our humanity was on trial. Our system of justice was on trial. This case dissolved the deceptive façade and exposed certain moral deficiencies in our system of justice. This case alone puts the legitimacy of the entire military justice system at risk.
We now see that there is little or no justice in military justice. Any reasonable person who looks at this case or any other high profile military justice case would have to conclude that the Military Justice System is not designed to render justice. It is a system designed to punish. The entire courts-martial system, from Summary Court-martial to General Court-martial, has one specific purpose; that is to punish anyone who commits an offense against the Uniform Code of Military Justice.


This is intended to be the definitive word on the first and only court-martial of a United States Coast Guard Academy cadet. The Case of Cadet Webster Smith, The Last Word is written from the perspective of the accused, Cadet First Class Webster Smith. It is not written from the perspective of his accusers. A prior account of this case focused on the women involved. Conduct Unbecoming an Officer and a Lady told the story of the court-martial from the perspective of the witnesses for the prosecution.
Why now? Well, there are several reasons. This Case is unique in that this has never happened before. No other Coast Guard Academy Cadet has ever been punished at a General Courts-martial. That is saying a lot for an institution that has been around since 1876.
Also, it has been ten years since the trial and conviction. An entire decade has passed. The sentence has been served. The Supreme Court Petition for A Writ of Certiorari has been denied. The Record is complete.
Cadet Smith was a senior when the trial began. He was within months of graduating from the Academy, but he was expelled. No Clemency was granted. His career was ruined. His life was irreparably harmed. For ten years he was required to register in the State of Texas as a Sexual offender. He married, had children, and for ten years he was not allowed to attend the birthday parties of his children.
This Case has been hotly debated in certain quarters. The Coast Guard has tried its best to forget that this court-martial ever occurred. However, I fear that this Case will be debated and talked about for years to come. Long after the political and social climates that gave rise to this Case have abated; cadets, officers, politicians  and parents will be discussing the Webster Smith Case.
What distinguishes this book from other books on the Case is that this book distinguishes how the Coast Guard Legal Officers and the senior Academy officers disposed of this case as opposed to other cases with similar fact patterns.  This Case will serve as a witness to an era in the United States Military and its Service Academies that was ripe with cultural and ethical upheavals, proceedings with plenty of due process and  little justice, sexual assaults in the military, retaliation against whistleblowers, mind blowing results, aggravation and frustration.  
The Case of Cadet Webster Smith, The Last Word
Title ID: 6293877
ISBN-13: 978-1533400802



The Case of Cadet Webster Smith, The Last Word
Unrestricted Coast Guard Chronicles Vol 02 Nr 01
BY_AUTHOR Judge London Steverson
ISBN-13: 978-1533400802
6" x 9" on WHITE Paper
(198 pages, Black & White)
15.24 x 22.86 cm
Interior: The Case of Cadet Webster Smith, The Last Word - updated version edited 2- formatted15Apr11.docx
Cover Finish: Glossy
Cover: cover-creator.pdf

The Case of Cadet Webster Smith, The Last Word
Title ID: 6293877
ISBN-13: 978-1533400802

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Wednesday, May 27, 2015

MetLifeCompuShare


Purchase & Sale Program for
Beneficiaries of the MetLife
Policyholder Trust 

Purchase and; Sale Program
for
Beneficiaries of the MetLife
Policyholder Trust
Revision Date: April 2014
003SSN0314

2
Purchasing Shares through the Program
The Purchase and Sale Program allows you to purchase shares of MetLife common stock
free of any
commissions or other fees.
MetLife will pay those fees on your behalf.
Who may purchase shares through the Program?
You may purchase shares if you are a Trust Beneficiary — that is, you hold Trust Interests representing
shares of MetLife common stock held through the MetLife Policyholder
Trust — and beneficially own
less than 1,000 shares through the Trust. If you withdraw all of your shares from the Trust, however,
you will no longer be eligible to purchase shares through the Program. For more information on your
withdrawal rights, see “Other Information — Withdrawing shares from the Trust” on p. 8.
When may I purchase shares?
You may purchase shares at any time you hold less than 1,000 Trust Interests representing shares of
MetLife common stock through the MetLife Policyholder
Trust.
How many shares may I purchase?
You may purchase additional shares of MetLife common stock to increase the number of shares you
beneficially own up to 1,000 shares. If you choose to make a purchase, you must purchase at least $250
worth of shares or a smaller amount required to purchase up to the 1,000 maximum number of shares.
Y
ou may make purchases of shares on one or more occasions under the Program until you beneficially
own 1,000 shares. If the number of shares to be issued results in a fractional share, you may purchase
that fractional share.
Here are some examples:
if you beneficially own 50 shares, then you will be able to purchase up to an additional 950
shares (or fewer shares, if you wish, but you must purchase at least $250 worth of shares).
If you submit $1,000 to the Program Agent, together with a purchase instruction, and the
market price at the time of purchase is $20.50 per share, then the Program Agent will
purchase, on your behalf, 48.78 shares of MetLife common stock.
if you beneficially own 995 shares and the closing price of MetLife common stock on the
trading day immediately prior to the day you mail your request is $20 per share, then you
must purchase $100 worth of stock (five additional shares multiplied by $20 per share). The
price of MetLife’s common stock is published in the New York Stock Exchange tables of
most major newspapers. The price is also available on MetLife’s website at
http://investor.metlife.com
by selecting “Stock Infomation,” or on other financial websites
under the stock symbol “MET.”
Do I have to make purchases in “round lots”?
You are not required to make purchases in “round lots” (that is, in 100 share increments), and you may
hold shares in “odd lots.”
You must, however, comply with the purchase provisions discussed in the
previous question and answer.
14-128 MetLife Purchase & Sale Brochure v3-WEB_REV 04-14 4/9/14 1:19 PM Page 2
3
How may I purchase shares?
You may purchase shares by sending the written purchase instruction card provided by the Program
Agent, indicating the dollar amount of shares you wish to have purchased, together with a check (in
U.S. dollars only) for the indicated amount made to the order of “MetLife Purchase Program,” to the
following address:
MetLife
c/o Computershare
P
.O. Box 6006
Carol Stream, IL 60197
You may obtain additional instruction cards by contacting the Program Agent at the address
listed under “Contacting the Program Agent” on p. 11 or by calling Computershare at
1-800-649-3593. Failure to use the purchase instruction card provided by the Program Agent
may cause a delay in processing or prevent the processing of your transaction. You may not use
photocopied purchase (or sale) instruction cards; in order to be scanned by the Program Agent
for processing, the cards must be in their original form.
Your check must be for at least $250, or such lesser amount as may be required to purchase, at the
closing price of MetLife common stock on the trading day immediately prior to the day you mail your
instruction, a number of shares that would cause you to beneficially own 1,000 shares. If your check
is for an amount in excess of the funds used to acquire up to the 1,000 share maximum, the excess
funds will be returned to you without interest. Effective January 1, 2013, you may no longer use money
orders to purchase shares of MetLife common stock through the Program.
Once a purchase instruction has been mailed, it cannot be revoked.
How will the actual purchase price be determined?
The actual purchase price for the shares will be based on the market price of MetLife common stock at
the time of the purchase.
You must send your check before the purchase. Since the actual purchase price
for your shares will be based on the market price at the time of purchase, it is possible that the number
of shares purchased for you will be different from the shares that could be purchased at the market price
on the day you mail your instructions. For further information on how the purchase price will be
determined and when the purchase will be made, see “Other Information — Determining the purchase
and sale price” on p. 8.
Will I get a stock certificate for my shares?
You will receive a statement confirming the number of shares you purchase. The shares you purchase
will be held in book-entry form (in other words, as uncertificated shares) in the MetLife Policyholder
T
rust on your behalf, until you later sell them through the Program or withdraw all of your shares from
the Trust. When you withdraw all of your shares, you may request to receive a stock certificate. If you
do not make this request, your shares will be issued to you in book-entry form.
14-128 MetLife Purchase & Sale Brochure v3-WEB_REV 04-14 4/9/14 1:19 PM Page 3
4
Selling Shares through the Program
The Purchase and Sale Program allows you to sell your shares of MetLife common stock held in the
MetLife Policyholder Trust
free of any commissions or other fees.
MetLife will pay those fees on
your behalf.
Who may sell shares through the Program?
You may sell shares if you are a Trust Beneficiary — that is, you hold beneficial interests representing
shares of MetLife common stock held through the MetLife Policyholder
Trust.
There is no minimum
share balance required to participate in the Program.
You now have the right to withdraw all (but
not less than all) of your shares from the Trust, a right which became effective on April 7, 2001. Once
you withdraw all of your shares from the Trust, however, you will no longer be eligible to sell shares
through the Program. For more information on your withdrawal rights, see “Other Information —
Withdrawing shares from the Trust” on p. 8.
When may I sell shares?
You may sell shares at any time you are a Trust Beneficiary.
How many shares may I sell?
Generally, you may sell all or a portion of your shares held in the Trust. The following share
limitations apply:
If you beneficially own 199 or fewer shares through the Trust, all of your shares must be sold.
You will not be permitted to make a partial sale.
If you beneficially own more than 199 shares through the Trust, you may sell all or a portion
of your shares. However, partial sales may only be made in 100-share increments (for
example, you may have 200 shares sold, but not 250). Following any partial sale, you must
still hold at least 100 shares in the Trust. If, after a partial sale, you would beneficially own
fewer than 100 shares in the Trust, you must make a full sale.
Effective December 14, 2001, you are permitted to sell all, but not less than all, of the Trust
Interests transferred to you (as permitted under the Program) by a deceased Trust Beneficiary
without regard to the share limitations described above and below under the heading “Do I
have to make sales in ‘round lots’?”
You now have the right to withdraw all (but not less than all) of your shares from the Trust, a right
which became effective on April 7, 2001. If you do so, however, you will no longer be eligible to
participate in the Program. See “Other Information — Withdrawing shares from the Trust” on p. 8. If
you prefer, you may keep your shares in the Trust.
14-128 MetLife Purchase & Sale Brochure v3-WEB_REV 04-14 4/9/14 1:19 PM Page 4
5
Do I have to make sales in “round lots”?
If you beneficially own more than 199 shares through the Trust, partial sales may only be made in
“round lots” (that is, in 100 share increments). Following any partial sales, you must beneficially own
at least 100 shares in the
Trust, but you may hold shares in “odd lots.”
Partial sales resulting from your sale of Trust Interests transferred to you by a deceased Trust
Beneficiary do not need to be made in round lots.
How may I sell shares?
You may sell shares by:
sending the written sale instruction card provided by the Program Agent, indicating the
number of shares to be sold, to the Program Agent at the following address:
MetLife
c/o Computershare
P.O. Box 30170
College Station, TX 77842-3170
or
giving a sale instruction through the following telephone number:
1-800-649-3593
(Telephone requests are not permitted for corporate, partnership or custodial accounts
because the Program Agent requires that such authorizations be given in writing.)
or
submitting a sale instruction through the internet at www.computershare.com/metlife
. Once you are
at this site, follow the online directions to access your account and submit your instruction.
You may obtain additional instruction cards by contacting the Program Agent at the address
listed under “Contacting the Program Agent” on p. 11 or by calling Computershare at
1-800-649-3593. Once a sale instruction has been delivered, it cannot be revoked.
How will the actual sale price be determined?
The actual sale price for the shares will be based on the market price of MetLife common stock at the
time of the sale. For further information on how the sale price will be determined, see “Other
Information — Determining the purchase and sale price” on p. 8.
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6
Other Information
General information about processing purchases and sales
Upon receipt of a purchase or sale instruction, Georgeson Securities Corporation, an affiliate of the
Program
Agent, and the Program Agent, respectively, will make sure the instruction complies with the
requirements regarding the number of shares that may be purchased or sold and the minimum dollar
amounts required for purchases described above.
If the dollar amount of shares to be purchased as
shown on an instruction does not match the dollar amount of the funds submitted, Georgeson Securities
Corporation
will purchase shares equal to the dollar amount of the funds submitted. If Georgeson
Securities Corporation or the Program Agent determines that the instruction does not comply with
these requirements, it will promptly mail you a rejection notice, with an explanation of the defects in
the instruction, and any funds you have submitted will be returned to you.
The Program Agent may, at its discretion, restrict withdrawals or subsequent sales of shares purchased
on your behalf until your check has cleared. If a purchase instruction is not processed within 14
business days of receipt (any such delay would only occur in very limited circumstances, as described
below), the instruction and funds will be returned to you.
All valid purchase and sale instructions received after 3:00 p.m. on a particular business day and until
3:00 p.m. on the next business day will be combined and processed together in a batch. To the extent
possible, Georgeson Securities Corporation will satisfy these requests by matching purchase and sale
instructions in the batch. The matching of purchase instructions with sale instructions will be done at
a share price equal to the opening price on the trading day following the day the batch is formed.
After the matching process has been completed for each batch, we expect there will remain a number
of open instructions, since it is unlikely that there would be an equal number of shares to be purchased
and shares to be sold.
If there are any remaining sale instructions, all or a portion of the remaining shares will be
made available for purchase by MetLife as described below under “Purchases by MetLife.”
If MetLife does not purchase all of the remaining shares, Georgeson Securities Corporation
will place an order with one or more brokers to sell the remaining shares.
If there are any remaining purchase instructions, Georgeson Securities Corporation will place
an order with one or more brokers to purchase the remaining shares.
Generally, purchases and sales will be made on the first or second trading day after the batch that
includes the instructions has been formed. If it is impracticable to process purchases and sales under
the Purchase and Sale Program (which would happen only in limited circumstances, such as acts of
God, suspension of trading in any MetLife equity securities, a general suspension of trading on the
New York Stock Exchange or declaration of a banking moratorium) purchases and sales will be
suspended until they can be completed.
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Purchases by MetLife
If, in any batch, sale instructions are greater than purchase instructions, MetLife may, at its discretion,
purchase these excess shares sold through the Purchase and Sale Program. Purchases by MetLife will be
at a price equal to the average of the high and low prices of MetLife common stock on the day of purchase.
Settlement
After you purchase or sell shares through the Purchase and Sale Program, you will be mailed a written
statement within four trading days indicating the number of your beneficial interests in the
Trust. You
will have one year from the date the written statement is mailed to review the statement and notify the
custodian of the Trust of any discrepancies or errors you discover. The statement will contain
instructions about how you can make this notification. The custodian will use reasonable efforts to
resolve the discrepancies or errors following notification.
If you do not notify the custodian of any
discrepancies or errors within this one year period, the statement will be binding upon you.
If you are purchasing shares through the Program, the shares will be deposited and held for you in the
Trust. If your check was for an amount in excess of the funds used to acquire up to the 1,000 share
maximum, the custodian will mail you a check via first class mail for the excess funds (without
interest) within four trading days after the day the instruction was processed, unless the check is for
more than $1,000, in which case the custodian may delay mailing for up to 14 days in order to
determine that your check has cleared.
If you are selling shares through the Program, the custodian will mail you a check for the funds
received within four trading days after the day the instruction was processed.
Timing and control
Subject to the requirements described above, the timing of transactions and the frequency of
transaction intervals will be subject solely to the control of
Georgeson Securities Corporation and the
broker or brokers making the purchases and sales. Neither MetLife nor any participant in the Purchase
and Sale Program has the authority or power to control either the timing or pricing of shares purchased
or sold or the selection of the brokers.
Therefore, you will not be able to precisely time purchases
or sales and will bear the market risk associated with fluctuations in the price of MetLife
common stock.
That is, if you send in a purchase or sale instruction, it is possible that the market price
of MetLife common stock could go up or down before the purchase or sale is made. You will not earn
interest on funds deposited for purchase for the period before the shares are purchased. Neither
MetLife, the Program Agent nor their respective affiliates will be liable for any claims arising out of
the prices at which shares are purchased or sold and the times when such purchases or sales are made,
or for any fluctuation in the market value after a purchase or sale of shares.
MetLife expects to engage in repurchases of its common stock from time to time for various corporate
purposes. These repurchases may occur during periods in which purchases and sales are made under the
Purchase and Sale Program, and may affect the market price of the MetLife common stock. In addition,
from time to time MetLife makes announcements of important developments, some of which may have
an effect on the market price for MetLife common stock.
7
14-128 MetLife Purchase & Sale Brochure v3-WEB_REV 04-14 4/9/14 1:19 PM Page 7
Determining the purchase and sale price
The price at which shares are purchased or sold will be determined as follows:
If the only transactions that occur in a day’s batch are purchase and sale instructions that are
matched with each other, the price will be the opening price of MetLife common stock on the
trading day following the day the batch is formed.
If Georgeson Securities Corporation places a purchase order, all purchase instructions in the
batch, including any purchases matched with sales instructions, will be assigned the same price
per share. The purchase price will be the volume weighted average price per share of all shares
in the batch — that is, the price derived by dividing the aggregate amount paid to purchase
shares in a batch by the total number of shares purchased in the batch.
If Georgeson Securities Corporation places a sales order, all sale instructions in the batch,
including any sales to MetLife and sales matched with purchase instructions, will be assigned
the same price per share. The sale price will be the volume weighted average price per share
of all shares in the batch.
For purposes of determining the prices of purchases and sales in a batch, the prices (other than the
weighted average price described above) will be those reported on the New York Stock Exchange
Composite Tape on the date the purchase and sale is made, except for the prices of shares sold to
MetLife, which will be the price determined as described on p. 7.
Price and volume statistics of MetLife common stock’s trading activity is published in the NYSE
tables of most major newspapers, is available on MetLife’s website at http://investor.metlife.com
by
selecting “Stock Information,” or on other financial websites. Company names are abbreviated and
listed alphabetically. MetLife’s ticker symbol is “MET.” The price at which a purchase or sale is
processed may be different from the price of MetLife common stock when you send in your
instruction.
Purchases and sales outside of the Program
In addition to purchasing and selling shares through the Purchase and Sale Program, you may purchase
shares outside of the
Trust, or sell shares directly held by you (i.e., not held by the Trust). The Purchase
and Sale Program procedures would not apply to those transactions, and you will be responsible for
your own commissions and expenses.
Withdrawing shares from the Trust
You now have the right to instruct the trustee of the Trust to withdraw all (but not less than all) of your
shares of MetLife common stock from the
Trust in exchange for all of your Trust Interests. This right
became effective on April 7, 2001, one year after the effective date of MetLife’s demutualization. You
should have already received information regarding your withdrawal rights. You may also obtain this
information by contacting the Program Agent at the address listed under “Contacting the Program
Agent” on p. 11 or by calling Computershare at 1-800-649-3593. Once you have withdrawn shares of
8
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9
MetLife common stock, you may no longer participate in the commission-free Purchase and Sale
Program.
Permitted transfers of Trust Interests
As a Trust Beneficiary, you are permitted to transfer the ownership of your Trust Interests only as follows:
to your spouse or descendants.
to a charity qualifying for tax-exempt status under the Internal Revenue Code.
to a trust established to hold Trust Interests on behalf of an employee benefit plan.
to a trust established for your exclusive benefit or the exclusive benefit of your spouse or
descendants or a qualifying charity.
upon your death or bankruptcy, through your will or under applicable law.
to another entity if you are a legal entity that has merged or consolidated into, or sold
substantially all of your assets to, that entity.
from a trust holding an insurance policy or annuity contract in accordance with the terms of
that trust.
After a transfer of the ownership of Trust Interests, the shares of MetLife common stock will remain
in the Trust until they have been withdrawn or sold through the Purchase and Sale Program. Other than
transfers upon death through the will of a Trust Beneficiary or by operation of law, no partial transfer
will be permitted if the transfer would result in a transferee owning a number of Trust Interests that is
not a whole number.
You may obtain additional information about how to transfer Trust Interests by contacting the Program
Agent at the address listed under “Contacting the Program Agent” on p. 11 or by calling Computershare
at 1-800-649-3593.
U.S. Federal Income Tax Information
IRS Circular 230 Disclosure.
The tax discussion is not intended to be used, and cannot be used, for
the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or
recommending to another party any transaction or matter addressed herein.
The following is a summary of the general U.S. Federal income tax consequences for Trust
Beneficiaries purchasing and selling shares in the Purchase and Sale Program. This summary is not a
comprehensive summary of all of the U.S. Federal income tax considerations that may be relevant to
a participant in the Program. In particular, this discussion does not apply to Trust Beneficiaries that are
not citizens or residents of the United States or otherwise subject to U.S. Federal income tax on their
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2
Purchasing Shares through the Program
The Purchase and Sale Program allows you to purchase shares of MetLife common stock
free of any
commissions or other fees.
MetLife will pay those fees on your behalf.
Who may purchase shares through the Program?
You may purchase shares if you are a Trust Beneficiary — that is, you hold Trust Interests representing
shares of MetLife common stock held through the MetLife Policyholder
Trust — and beneficially own
less than 1,000 shares through the Trust. If you withdraw all of your shares from the Trust, however,
you will no longer be eligible to purchase shares through the Program. For more information on your
withdrawal rights, see “Other Information — Withdrawing shares from the Trust” on p. 8.
When may I purchase shares?
You may purchase shares at any time you hold less than 1,000 Trust Interests representing shares of
MetLife common stock through the MetLife Policyholder
Trust.
How many shares may I purchase?
You may purchase additional shares of MetLife common stock to increase the number of shares you
beneficially own up to 1,000 shares. If you choose to make a purchase, you must purchase at least $250
worth of shares or a smaller amount required to purchase up to the 1,000 maximum number of shares.
Y
ou may make purchases of shares on one or more occasions under the Program until you beneficially
own 1,000 shares. If the number of shares to be issued results in a fractional share, you may purchase
that fractional share.
Here are some examples:
if you beneficially own 50 shares, then you will be able to purchase up to an additional 950
shares (or fewer shares, if you wish, but you must purchase at least $250 worth of shares).
If you submit $1,000 to the Program Agent, together with a purchase instruction, and the
market price at the time of purchase is $20.50 per share, then the Program Agent will
purchase, on your behalf, 48.78 shares of MetLife common stock.
if you beneficially own 995 shares and the closing price of MetLife common stock on the
trading day immediately prior to the day you mail your request is $20 per share, then you
must purchase $100 worth of stock (five additional shares multiplied by $20 per share). The
price of MetLife’s common stock is published in the New York Stock Exchange tables of
most major newspapers. The price is also available on MetLife’s website at
http://investor.metlife.com
by selecting “Stock Infomation,” or on other financial websites
under the stock symbol “MET.”
Do I have to make purchases in “round lots”?
You are not required to make purchases in “round lots” (that is, in 100 share increments), and you may
hold shares in “odd lots.”
You must, however, comply with the purchase provisions discussed in the
previous question and answer.
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3
How may I purchase shares?
You may purchase shares by sending the written purchase instruction card provided by the Program
Agent, indicating the dollar amount of shares you wish to have purchased, together with a check (in
U.S. dollars only) for the indicated amount made to the order of “MetLife Purchase Program,” to the
following address:
MetLife
c/o Computershare
P
.O. Box 6006
Carol Stream, IL 60197
You may obtain additional instruction cards by contacting the Program Agent at the address
listed under “Contacting the Program Agent” on p. 11 or by calling Computershare at
1-800-649-3593. Failure to use the purchase instruction card provided by the Program Agent
may cause a delay in processing or prevent the processing of your transaction. You may not use
photocopied purchase (or sale) instruction cards; in order to be scanned by the Program Agent
for processing, the cards must be in their original form.
Your check must be for at least $250, or such lesser amount as may be required to purchase, at the
closing price of MetLife common stock on the trading day immediately prior to the day you mail your
instruction, a number of shares that would cause you to beneficially own 1,000 shares. If your check
is for an amount in excess of the funds used to acquire up to the 1,000 share maximum, the excess
funds will be returned to you without interest. Effective January 1, 2013, you may no longer use money
orders to purchase shares of MetLife common stock through the Program.
Once a purchase instruction has been mailed, it cannot be revoked.
How will the actual purchase price be determined?
The actual purchase price for the shares will be based on the market price of MetLife common stock at
the time of the purchase.
You must send your check before the purchase. Since the actual purchase price
for your shares will be based on the market price at the time of purchase, it is possible that the number
of shares purchased for you will be different from the shares that could be purchased at the market price
on the day you mail your instructions. For further information on how the purchase price will be
determined and when the purchase will be made, see “Other Information — Determining the purchase
and sale price” on p. 8.
Will I get a stock certificate for my shares?
You will receive a statement confirming the number of shares you purchase. The shares you purchase
will be held in book-entry form (in other words, as uncertificated shares) in the MetLife Policyholder
T
rust on your behalf, until you later sell them through the Program or withdraw all of your shares from
the Trust. When you withdraw all of your shares, you may request to receive a stock certificate. If you
do not make this request, your shares will be issued to you in book-entry form.
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4
Selling Shares through the Program
The Purchase and Sale Program allows you to sell your shares of MetLife common stock held in the
MetLife Policyholder Trust
free of any commissions or other fees.
MetLife will pay those fees on
your behalf.
Who may sell shares through the Program?
You may sell shares if you are a Trust Beneficiary — that is, you hold beneficial interests representing
shares of MetLife common stock held through the MetLife Policyholder
Trust.
There is no minimum
share balance required to participate in the Program.
You now have the right to withdraw all (but
not less than all) of your shares from the Trust, a right which became effective on April 7, 2001. Once
you withdraw all of your shares from the Trust, however, you will no longer be eligible to sell shares
through the Program. For more information on your withdrawal rights, see “Other Information —
Withdrawing shares from the Trust” on p. 8.
When may I sell shares?
You may sell shares at any time you are a Trust Beneficiary.
How many shares may I sell?
Generally, you may sell all or a portion of your shares held in the Trust. The following share
limitations apply:
If you beneficially own 199 or fewer shares through the Trust, all of your shares must be sold.
You will not be permitted to make a partial sale.
If you beneficially own more than 199 shares through the Trust, you may sell all or a portion
of your shares. However, partial sales may only be made in 100-share increments (for
example, you may have 200 shares sold, but not 250). Following any partial sale, you must
still hold at least 100 shares in the Trust. If, after a partial sale, you would beneficially own
fewer than 100 shares in the Trust, you must make a full sale.
Effective December 14, 2001, you are permitted to sell all, but not less than all, of the Trust
Interests transferred to you (as permitted under the Program) by a deceased Trust Beneficiary
without regard to the share limitations described above and below under the heading “Do I
have to make sales in ‘round lots’?”
You now have the right to withdraw all (but not less than all) of your shares from the Trust, a right
which became effective on April 7, 2001. If you do so, however, you will no longer be eligible to
participate in the Program. See “Other Information — Withdrawing shares from the Trust” on p. 8. If
you prefer, you may keep your shares in the Trust.
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5
Do I have to make sales in “round lots”?
If you beneficially own more than 199 shares through the Trust, partial sales may only be made in
“round lots” (that is, in 100 share increments). Following any partial sales, you must beneficially own
at least 100 shares in the
Trust, but you may hold shares in “odd lots.”
Partial sales resulting from your sale of Trust Interests transferred to you by a deceased Trust
Beneficiary do not need to be made in round lots.
How may I sell shares?
You may sell shares by:
sending the written sale instruction card provided by the Program Agent, indicating the
number of shares to be sold, to the Program Agent at the following address:
MetLife
c/o Computershare
P.O. Box 30170
College Station, TX 77842-3170
or
giving a sale instruction through the following telephone number:
1-800-649-3593
(Telephone requests are not permitted for corporate, partnership or custodial accounts
because the Program Agent requires that such authorizations be given in writing.)
or
submitting a sale instruction through the internet at www.computershare.com/metlife
. Once you are
at this site, follow the online directions to access your account and submit your instruction.
You may obtain additional instruction cards by contacting the Program Agent at the address
listed under “Contacting the Program Agent” on p. 11 or by calling Computershare at
1-800-649-3593. Once a sale instruction has been delivered, it cannot be revoked.
How will the actual sale price be determined?
The actual sale price for the shares will be based on the market price of MetLife common stock at the
time of the sale. For further information on how the sale price will be determined, see “Other
Information — Determining the purchase and sale price” on p. 8.
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6
Other Information
General information about processing purchases and sales
Upon receipt of a purchase or sale instruction, Georgeson Securities Corporation, an affiliate of the
Program
Agent, and the Program Agent, respectively, will make sure the instruction complies with the
requirements regarding the number of shares that may be purchased or sold and the minimum dollar
amounts required for purchases described above.
If the dollar amount of shares to be purchased as
shown on an instruction does not match the dollar amount of the funds submitted, Georgeson Securities
Corporation
will purchase shares equal to the dollar amount of the funds submitted. If Georgeson
Securities Corporation or the Program Agent determines that the instruction does not comply with
these requirements, it will promptly mail you a rejection notice, with an explanation of the defects in
the instruction, and any funds you have submitted will be returned to you.
The Program Agent may, at its discretion, restrict withdrawals or subsequent sales of shares purchased
on your behalf until your check has cleared. If a purchase instruction is not processed within 14
business days of receipt (any such delay would only occur in very limited circumstances, as described
below), the instruction and funds will be returned to you.
All valid purchase and sale instructions received after 3:00 p.m. on a particular business day and until
3:00 p.m. on the next business day will be combined and processed together in a batch. To the extent
possible, Georgeson Securities Corporation will satisfy these requests by matching purchase and sale
instructions in the batch. The matching of purchase instructions with sale instructions will be done at
a share price equal to the opening price on the trading day following the day the batch is formed.
After the matching process has been completed for each batch, we expect there will remain a number
of open instructions, since it is unlikely that there would be an equal number of shares to be purchased
and shares to be sold.
If there are any remaining sale instructions, all or a portion of the remaining shares will be
made available for purchase by MetLife as described below under “Purchases by MetLife.”
If MetLife does not purchase all of the remaining shares, Georgeson Securities Corporation
will place an order with one or more brokers to sell the remaining shares.
If there are any remaining purchase instructions, Georgeson Securities Corporation will place
an order with one or more brokers to purchase the remaining shares.
Generally, purchases and sales will be made on the first or second trading day after the batch that
includes the instructions has been formed. If it is impracticable to process purchases and sales under
the Purchase and Sale Program (which would happen only in limited circumstances, such as acts of
God, suspension of trading in any MetLife equity securities, a general suspension of trading on the
New York Stock Exchange or declaration of a banking moratorium) purchases and sales will be
suspended until they can be completed.
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Purchases by MetLife
If, in any batch, sale instructions are greater than purchase instructions, MetLife may, at its discretion,
purchase these excess shares sold through the Purchase and Sale Program. Purchases by MetLife will be
at a price equal to the average of the high and low prices of MetLife common stock on the day of purchase.
Settlement
After you purchase or sell shares through the Purchase and Sale Program, you will be mailed a written
statement within four trading days indicating the number of your beneficial interests in the
Trust. You
will have one year from the date the written statement is mailed to review the statement and notify the
custodian of the Trust of any discrepancies or errors you discover. The statement will contain
instructions about how you can make this notification. The custodian will use reasonable efforts to
resolve the discrepancies or errors following notification.
If you do not notify the custodian of any
discrepancies or errors within this one year period, the statement will be binding upon you.
If you are purchasing shares through the Program, the shares will be deposited and held for you in the
Trust. If your check was for an amount in excess of the funds used to acquire up to the 1,000 share
maximum, the custodian will mail you a check via first class mail for the excess funds (without
interest) within four trading days after the day the instruction was processed, unless the check is for
more than $1,000, in which case the custodian may delay mailing for up to 14 days in order to
determine that your check has cleared.
If you are selling shares through the Program, the custodian will mail you a check for the funds
received within four trading days after the day the instruction was processed.
Timing and control
Subject to the requirements described above, the timing of transactions and the frequency of
transaction intervals will be subject solely to the control of
Georgeson Securities Corporation and the
broker or brokers making the purchases and sales. Neither MetLife nor any participant in the Purchase
and Sale Program has the authority or power to control either the timing or pricing of shares purchased
or sold or the selection of the brokers.
Therefore, you will not be able to precisely time purchases
or sales and will bear the market risk associated with fluctuations in the price of MetLife
common stock.
That is, if you send in a purchase or sale instruction, it is possible that the market price
of MetLife common stock could go up or down before the purchase or sale is made. You will not earn
interest on funds deposited for purchase for the period before the shares are purchased. Neither
MetLife, the Program Agent nor their respective affiliates will be liable for any claims arising out of
the prices at which shares are purchased or sold and the times when such purchases or sales are made,
or for any fluctuation in the market value after a purchase or sale of shares.
MetLife expects to engage in repurchases of its common stock from time to time for various corporate
purposes. These repurchases may occur during periods in which purchases and sales are made under the
Purchase and Sale Program, and may affect the market price of the MetLife common stock. In addition,
from time to time MetLife makes announcements of important developments, some of which may have
an effect on the market price for MetLife common stock.
7
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Determining the purchase and sale price
The price at which shares are purchased or sold will be determined as follows:
If the only transactions that occur in a day’s batch are purchase and sale instructions that are
matched with each other, the price will be the opening price of MetLife common stock on the
trading day following the day the batch is formed.
If Georgeson Securities Corporation places a purchase order, all purchase instructions in the
batch, including any purchases matched with sales instructions, will be assigned the same price
per share. The purchase price will be the volume weighted average price per share of all shares
in the batch — that is, the price derived by dividing the aggregate amount paid to purchase
shares in a batch by the total number of shares purchased in the batch.
If Georgeson Securities Corporation places a sales order, all sale instructions in the batch,
including any sales to MetLife and sales matched with purchase instructions, will be assigned
the same price per share. The sale price will be the volume weighted average price per share
of all shares in the batch.
For purposes of determining the prices of purchases and sales in a batch, the prices (other than the
weighted average price described above) will be those reported on the New York Stock Exchange
Composite Tape on the date the purchase and sale is made, except for the prices of shares sold to
MetLife, which will be the price determined as described on p. 7.
Price and volume statistics of MetLife common stock’s trading activity is published in the NYSE
tables of most major newspapers, is available on MetLife’s website at http://investor.metlife.com
by
selecting “Stock Information,” or on other financial websites. Company names are abbreviated and
listed alphabetically. MetLife’s ticker symbol is “MET.” The price at which a purchase or sale is
processed may be different from the price of MetLife common stock when you send in your
instruction.
Purchases and sales outside of the Program
In addition to purchasing and selling shares through the Purchase and Sale Program, you may purchase
shares outside of the
Trust, or sell shares directly held by you (i.e., not held by the Trust). The Purchase
and Sale Program procedures would not apply to those transactions, and you will be responsible for
your own commissions and expenses.
Withdrawing shares from the Trust
You now have the right to instruct the trustee of the Trust to withdraw all (but not less than all) of your
shares of MetLife common stock from the
Trust in exchange for all of your Trust Interests. This right
became effective on April 7, 2001, one year after the effective date of MetLife’s demutualization. You
should have already received information regarding your withdrawal rights. You may also obtain this
information by contacting the Program Agent at the address listed under “Contacting the Program
Agent” on p. 11 or by calling Computershare at 1-800-649-3593. Once you have withdrawn shares of
8
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9
MetLife common stock, you may no longer participate in the commission-free Purchase and Sale
Program.
Permitted transfers of Trust Interests
As a Trust Beneficiary, you are permitted to transfer the ownership of your Trust Interests only as follows:
to your spouse or descendants.
to a charity qualifying for tax-exempt status under the Internal Revenue Code.
to a trust established to hold Trust Interests on behalf of an employee benefit plan.
to a trust established for your exclusive benefit or the exclusive benefit of your spouse or
descendants or a qualifying charity.
upon your death or bankruptcy, through your will or under applicable law.
to another entity if you are a legal entity that has merged or consolidated into, or sold
substantially all of your assets to, that entity.
from a trust holding an insurance policy or annuity contract in accordance with the terms of
that trust.
After a transfer of the ownership of Trust Interests, the shares of MetLife common stock will remain
in the Trust until they have been withdrawn or sold through the Purchase and Sale Program. Other than
transfers upon death through the will of a Trust Beneficiary or by operation of law, no partial transfer
will be permitted if the transfer would result in a transferee owning a number of Trust Interests that is
not a whole number.
You may obtain additional information about how to transfer Trust Interests by contacting the Program
Agent at the address listed under “Contacting the Program Agent” on p. 11 or by calling Computershare
at 1-800-649-3593.
U.S. Federal Income Tax Information
IRS Circular 230 Disclosure.
The tax discussion is not intended to be used, and cannot be used, for
the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or
recommending to another party any transaction or matter addressed herein.
The following is a summary of the general U.S. Federal income tax consequences for Trust
Beneficiaries purchasing and selling shares in the Purchase and Sale Program. This summary is not a
comprehensive summary of all of the U.S. Federal income tax considerations that may be relevant to
a participant in the Program. In particular, this discussion does not apply to Trust Beneficiaries that are
not citizens or residents of the United States or otherwise subject to U.S. Federal income tax on their
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