Metlife Investors USA Separate Account A, et al. – ‘N-4’ on 11/14/14 – EX-99.4(IV)

On:  Friday, 11/14/14, at 6:02pm ET   ·   As of:  11/17/14   ·   Accession #:  1193125-14-413543   ·   File #s:  811-03365, 333-200240

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Registration Statement for a Separate Account (Unit Investment Trust)   —   Form N-4
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: N-4         Mli Usa Separate Account A - Flexible Bonus          550   3.09M 
                          (Retirement Companion)                                 
 2: EX-99.1(II)  Mli Usa Board Resolutions and Plan of Merger          9     34K 
 3: EX-99.1(III)  Micc Board Resolutions                               2     14K 
21: EX-99.10    Consent of Independent Registered Public               1     11K 
                          Accounting Firm (Deloitte & Touche LLP)                
22: EX-99.13    Powers of Attorney                                    15     72K 
 4: EX-99.3(I)(B)  Amendment to Distribution and Principal             2     14K 
                          Underwriter Agreement                                  
 5: EX-99.4(I)  Form 226R1 Contract                                   19     85K 
 6: EX-99.4(II)  Form 226R1 Certificate and Riders                    20     90K 
 7: EX-99.4(III)  Contract Loan Endorsement                            3±    14K 
 8: EX-99.4(IV)  Loan Endorsement                                      3±    13K 
10: EX-99.4(IX)  Merger Endorsement                                    1     11K 
 9: EX-99.4(V)  Individual Retirement Annuity Endorsement              2±    13K 
11: EX-99.5     Form of Enrollment Form                               10±    42K 
12: EX-99.6(I)  Copy of Certificate of Incorporation and Amendment     5     21K 
13: EX-99.6(II)  Copy of By-Laws of the Company                       15     54K 
14: EX-99.8(I)  Participation Agreement With Alger                    18     64K 
15: EX-99.8(II)(C)  Amendment to Participation Agreement With          5     20K 
                          American Funds                                         
16: EX-99.8(III)(C)  Amendment to Participation Agreement With         5     18K 
                          Deutsche I                                             
17: EX-99.8(IV)(C)  Amendments to Participation Agreement With        12     47K 
                          Fidelity                                               
18: EX-99.8(V)(D)  Amendment to Participation Agreement With Met       4     17K 
                          Investors Series Trust                                 
19: EX-99.8(VII)  T. Rowe Price Participation Agreement               14     52K 
20: EX-99.9     Opinion of Counsel                                     2     14K 

EX-99.4(IV)   —   Loan Endorsement

EX-99.4(IV)
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LOGO                                                                          
MetLife Investors USA Insurance Company                                     

LOAN ENDORSEMENT  The certificate is amended to add the 
following:          
           DEFINITION For purposes of this
      endorsement only, the term
               "accumulated payment value", unless
             otherwise modified, is defined as
               follows: The surrender value of the
             participant's account without any
            reduction for surrender charges.
               LOAN Unless otherwise restricted by
         the plan or the terms of this
                certificate, the participant may, on
          or after June 1, 1990 (or such
            earlier date as permitted by the
             Company) and prior to the annuity
                date, obtain a loan from the Company
              of up to an amount equal to 50% of
               the accumuated payment value of the
               participant's account. However, the
         loan amount cannot exceed the
            accumulated payment value of the
                 participant's interest in the general
               account. The amount of the loan may
                not be less than $1,000. The maximum
           loan amount is $50,000 less the
            highest outstanding loan balance
                during the one year period ending on
             the date the new loan is made. No
                 more than one loan may be outstanding
                at any one time. A loan will be made
              upon the Company's acceptance of a
            written loan application and the
            assignment to the Company of the
                 value of this certificate as the sole
  security for the loan.
                FEE A loan setup fee of up to $50.00
               will be charged for each loan. This
                 amount will be deducted from the loan
proceeds.           
          INTEREST RATES The outstanding
         balance of the loan will bear
            interest at an effective rate of
                 [  %] per annum. During the term of a
              loan, a portion of the accumulated
              payment value of the participant's
                 interest in the general account equal
             to the outstanding balance of the
                 loan (and a proportionate part of the
                annuity value) will earn interest at
           the rate of [  %] per annum. In
       determining these values, a
                participant's purchase payments will
            be applied in the order of their
   receipt by the Company.
             TERM The term of a loan will be 5
                 years unless the proceeds of the loan
        are to be used to purchase a
      principal residence of the
                participant, in which event the term
                 will be 15 years. Notwithstanding the
               above, the term of the loan may not
             extend beyond the earliest of the
               normal annuity date, the settlement
         of the participant's account,
         settlement as a result of the
            participant's death, or any date
             provided for such loans by future
             Federal income tax laws, rules or
                 regulations. The Company reserves the
             right to require repayment of the
             loan plus accrued interest before
              processing a request for a partial
               surrender, partial annuitization or
      settlement of the account.
               REPAYMENTS Repayments will be based
                 on level amortization and will be due
          quarterly. Any loan repayments
                 received will be applied first to the
            accrued interest and then to the
            outstanding balance of the loan.
           Repayments of principal will be
                 credited to the participant's account
                 as new purchase payments and payments
                directed to the general account will
          earn interest from the date of
          receipt at the then guaranteed
            interest rates in effect for new
               purchase payments. If any repayment
               is not received when due, an amount
     will be deducted from the
            participant's account. Except as
     otherwise provided in the
            certificate, this amount will be
           deducted in accordance with the
           certificate's partial surrender
                provisions and will be sufficient to
                 pay the amount due and any applicable
        charges, fees and income tax
                 withholding. Full or accelerated loan
                repayment may be made at any time on
                or after the first loan anniversary.
              Any amounts received in partial or
             full repayment of the outstanding
        balance of a loan may not be
               surrendered for a period of 30 days
          after receipt of such payment.
               COMPANY RIGHTS The Company reserves
                the right to defer the granting of a
               loan for a period permitted by law,
                 but not more than six (6) months from
           receipt of the application. The
              Company reserves the right, in its
             discretion, to suspend, modify or
              terminate the granting of loans at
                 any time. Such action will not affect
outstanding loans.  
  /s/ Michael K. Farrell
Michael K. Farrell  
President           

9 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/10/24  Brighthouse Separate Account A    485BPOS     4/29/24    9:3.8M                                   Donnelley … Solutions/FA
 4/03/24  Brighthouse Sep Acct E… Annuities 485BPOS     4/29/24    3:5.6M                                   Donnelley … Solutions/FA
 4/12/23  Brighthouse Separate Account A    485BPOS     5/01/23   10:4M                                     Donnelley … Solutions/FA
 4/07/23  Brighthouse Sep Acct E… Annuities 485BPOS     5/01/23    5:5.7M                                   Donnelley … Solutions/FA
 4/19/22  Brighthouse Sep Acct E… Annuities 485BPOS     4/29/22    9:4.5M                                   Donnelley … Solutions/FA
 4/18/22  Brighthouse Separate Account A    485BPOS     4/29/22   10:2.4M                                   Donnelley … Solutions/FA
10/07/21  Brighthouse Sep Acct E… Annuities 485APOS                2:1.8M                                   Donnelley … Solutions/FA
 4/15/21  Brighthouse Separate Account A    485BPOS     4/30/21    3:2.1M                                   Donnelley … Solutions/FA
 4/08/21  Brighthouse Sep Acct E… Annuities 485BPOS     4/30/21    5:47M                                    Donnelley … Solutions/FA