MetLife Resources offers several choices and tools to help you meet your retirement needs. You can review the benefits of each retirement savings program and decide which is best for you. Your choices include a variable annuity based program called Gold Track Select, a mutual fund based program called Mutual Fund Select Portfolios, or a combination of both.

• Fixed Account: With the UT Retirement Programs, you have access to a Fixed Account; you can transfer your account balance to and from the Fixed Account without limitation (some restrictions apply).* Additionally, the Fixed Account is an annuity issued by and guaranteed by the financial strength and claims-paying ability of MetLife Insurance Company of Connecticut.
• Unlimited Transfers : You can make unlimited transfers among and between the MFSP and GTS funding options (some restrictions may apply; please see prospectuses) *
• Various Payout Options : Once you are ready to receive your account balance, you have several payout options. You can take a lump sum, systematic withdrawal or annuitize some or all of your account balance.¹
• Loans & Hardship Withdrawals : Loans and hardship distributions are available from the UTSaver TSA and UTSaver DCP only. Loans and hardship withdrawals can have income tax consequences. Hardship withdrawals are subject to IRS rules. They are subject to ordinary income tax and an additional 10% penalty if you are under the age of 59 ½.
• Asset Allocation Questionnaire  
• Participant Suitability Profile 

* Transfers from the Fixed Account may be limited to 20% per contract year of the cash value in the Fixed Account. We reserve the right to limit the number of transfers to and from the underlying funding options. The minimum number of transfers you would be allowed is one in any six-month period.

¹Ordinary income taxes generally apply upon withdrawal. Withdrawals prior to age 591/2 from a 403(b) or prior to age 701/2 from a 457(b) are generally prohibited. Some exceptions may apply. Where allowed, a 10% additional Federal tax generally applies to 403(b) distributions before age 591/2 in addition to ordinary income tax which can apply to 403(b) and 457(b) distributions at any age.

Guarantees are based on the claims paying ability of the Insurer.

Gold Track Select

Mutual Fund Select Portfolios