AnnuitiesAnnuity Loan Application and AgreementBrighthouse Life Insurance CompanyThings to know before you beginYou MUST complete thisentire form and sign or yourrequest will be delayed. Withdrawal or surrender requests in which the money has alreadybeen received in your bank account cannot be returned.SECTION 1 - Account information (Please print)Account numberMiddle nameBorrower’s first nameLast nameStreet addressCityStateSocial Security or Tax ID numberWork phone numberHome phone numberIs your employment status active?Check if new addressZIPYesNoSECTION 2 - Loan amount(Please fill in the requested loan amount, OR mark the box to request the maximum loan amount available*.)As provided by and subject to the terms of the contract(s) and this agreement, a loan check is requested for theamount of: ORMaximum amount available; FROM (product name): ORMaximum amount available; FROM (product name): ORMaximum amount available; FROM (product name):If a check for interest is not submitted with this application, the loan will be processed for the amount requested plus thefirst quarter’s interest.*The maximum amount to be loaned may not exceed the lesser of (a) or (b), where:(a) (i) 50,000 less the aggregate of the highest loan balances, reduced by (ii) the aggregate loan balance on thedate of the application.(b) one half the contract account balance, or 10,000 if greater (for Non-ERISA plans only)L-12155N-B (02/17)Page 1 of 6Fs-B/f

SECTION 3 - Loan duration(Complete A or B below. If neither is completed, B will apply.)A.The proceeds of this loan will be used to acquire a dwelling for use as my principal residence.(NOTE: attach copyof sales contract.) A repayment period of years is desired (not to exceed 15 years). Please note:Repayment periods of more than 5 years are available only for loan amounts of 5,000 or greater.B.The proceeds of this loan will be used for purposes other than described above. A repayment period ofyears is desired (not to exceed 5 years). If a Loan Repayment Period is not selected, Brighthouse Financial will setthe Loan Repayment Period to 5 years.I (the Borrower) promise to repay this loan in quarterly installments of principal and interest over the period noted above.As an express condition of the loan, the contract owner and Borrower will grant Brighthouse Financial a security interestin the contract cash value equal to the amount borrowed plus any unpaid interest due, including interest due after loandefault.Variable annuity loans onlyLoans may only be taken from the fixed account. It may be necessary to transfer cash value equal to the loan amountfrom one or more funding options to the fixed account.(Complete A or B below. If neither is completed, B will apply.)A.Transfer in the percentages indicated below.INVESTMENT FUNDING OPTION(S)PERCENTAGETotalB.100 %Transfer pro rata from all funding options.NOTE: Repayments of loan principal will automatically be applied to the current allocation.Group plans only(Complete A or B below. If neither is completed, B will apply.)A.Cash Value attributable to employer contributions (other than contributions derived from salary reduction) maybe used to secure this loan.B.Cash Value attributable to employer contributions (other than contributions derived from salary reduction) maynot be used to secure this loan.SECTION 4 - Loan request informationList all outstanding loans from any retirement plan of the employer (or related employer) during the previous 12 months,including defaulted loans which have not been repaid or offset.* A loan will not be processed if the participant hasan outstanding loan under any retirement plan of the employer (or related employer) which has defaulted,but not been repaid or offset.Company nameCertificate orcontract numberCurrent vestedaccount balanceCurrent loanbalanceHighest loan balanceduring past 12monthsIn default butnot yet offset?*A loan offset occurs when your accrued plan benefit is reduced (offset) in order to repay the loan (including theenforcement of our security interest in your accrued benefit).L-12155N-B (02/17)Page 2 of 6Fs-B/f

SECTION 5 - Acknowledgement and signaturesI authorize the loan check and bills to be sent to this billing address:Street addressCityStateZIPI (the borrower) understand that federal income tax loan regulations will be enforced to the extent necessary to keep theannuity contract qualified under applicable Internal Revenue Code provisions and under other applicable tax and benefitsplan laws and regulations. I understand that I may have only one loan at a time from this contract or certificate. I maynot have another loan from this contract or certificate until the outstanding loan and interest are repaid in full.I understand that a loan is not permitted if I have a loan from 1) any of my employer’s retirement plans or 2) fromretirement plans of a related employer, that is in default and is still outstanding due to tax law restrictions on offset; andI certify that I do not have any such previously defaulted loans.I understand that I am responsible for ensuring that I do not borrow an amount in excess of the loan amount permittedunder section 72(p) of the Internal Revenue Code of 1986, as amended ( the “Code”); and that adverse taxconsequences, including treatment of such excess amounts as deemed distributions, will result in such case.I (borrower and/or contract owner) understand and accept the terms and conditions applicable to this loan, including thespecial terms and conditions described in the "Contract Loan Terms and Conditions" section of this agreement, andaccept full responsibility for compliance with these requirements. I/We also understand that Brighthouse Financialaccepts no responsibility concerning adherence to these requirements and that contract values are assigned toBrighthouse Financial as sole security of the loan.I acknowledge that I have read and understand the terms and conditions of this loan agreement:I certify this withdrawal is permissible under the terms of the Plan.Signature of Plan Administrator/Authorized representative (REQUIRED)Date (mm/dd/yyyy)Borrower’s signatureDate (mm/dd/yyyy)SECTION 6 - Spousal consent – ERISA plans onlyI hereby consent to the loan request by the contract owner as set forth above. I understand that if I am married, Imust obtain my spouse's consent to this loan. I understand that a spouse is guaranteed certain rights to assets in thisretirement account by federal law and these rights include the right to a preretirement survivor's annuity and theright to a joint and survivor annuity and these rights could be diminished by an annuity loan which is not repaid. Thisconsent cannot be revoked once given.I certify that I am not married and therefore spousal consent to this loan is not required.I am married and my spouse's consent to this loan is provided below.I am married and certify my spouse's consent cannot be obtained or is not required because:(Check only one box below)My spouse cannot be foundMy spouse is legally incompetent to give consent (spouse's legal guardian may give consent)I am legally separated from or have been abandoned by my spouse (within the meaning of local law) and have acourt order to such effect and no qualified domestic relations order exists that requires spousal consent to thisloanL-12155N-B (02/17)Page 3 of 6Fs-B/f

Date (mm/dd/yyyy)Borrower’s signatureDate (mm/dd/yyyy)Spouse's name (Please print)Spouse's signatureI certify that the above-named Spouse personally signed this document before me this day of20Notary Public’s signatureDate (mm/dd/yyyy)Plan Administrator’s signatureDate (mm/dd/yyyy)SECTION 7 - How to submit this formPlease submit this form by mail or fax.Regular mail:Brighthouse FinancialP.O. Box 10366Des Moines, IA 50306-0366Overnight mail only:Brighthouse Financial4700 Westown Pkwy, Ste 200West Des Moines, IA 50266Fax:877-549-5846SEE NEXT TWO PAGES FOR LOAN TERMS AND CONDITIONSL-12155N-B (02/17)Page 4 of 6Fs-B/f

AnnuitiesAnnuity Contract Loan Terms and ConditionsBrighthouse Life Insurance CompanyMinimum and maximum loan amounts Minimum: 1,000* Maximum:The maximum amount that can be borrowed is an amount which when added to the other outstanding loan balancesunder plans of the same or related employer ( the “Plan”) does not exceed the lesser of:1. 50,000 reduced by the excess ( if any) of: (a) the highest total amount of the Plan loans outstanding during thetwelve month period ending on the day before this loan over (b) the outstanding plan loan amount on the date ofthis loan.2. One-half of the participant’s nonforefeitable accrued benefit under the Plan (or 10,000, if greater, under a Plannot subject to ERISA).In addition to the above limits, in no event may the loan amount under this contract exceed :Vested contract cash valueAdditional loan limitation under this contract 1,250 - 12,50080% of vested Contract cash value for non-ERISA Plan50% of vested Contract cash value for ERISA PlanOver 12,500 - 20,000 10,000 for non-ERISA Plan50% of vested Contract cash value for ERISA PlanLesser of(a) 50% of the vested contract cash value or (b) 50,000 reduced bythe highest Plan loan balance during the previous 12 monthsOver 20,000*For the following contract holders in the state of New Jersey, the minimum loan amount is 500 - PrimElite II;Portfolio Architect 3; Universal Annuity (Individual); Vintage; Vintage II; Vintage II Series II; Vintage 3Loan durationRepayments of principal and interest must be made in quarterly installments from one to five years. If the proceeds ofthe loan are used to acquire the Borrower’s principal residence, the loan repayment period may be extended to fifteen(15) years. Repayment periods of more than five (5) years are available only for loan amounts of 5,000 or greater.The Borrower may have only one outstanding loan per contract.Loan billing and repaymentLoan proceeds and bills will be mailed to the billing address noted in this agreement. If no address is specified, the checkand all correspondence will be mailed to the most current address on our records for the Borrower.A bill in the amount of the quarterly repayment due (to include principal and interest) will be mailed 45 days prior to therepayment due date. Repayments will be applied first to unpaid interest due, then to loan principal. If the repaymentamount exceeds the total amount billed, the excess money will be applied towards the outstanding loan principal, not tofuture quarterly repayments.Acceptable method for repayment is by personal check.L-12155N-B (02/17)Page 5 of 6Fs-B/f

Interest chargedQuarterly loan interest must be paid in advance. Interest charged will be at the rate in effect at the time the request isreceived in good order at Brighthouse Financial Home Office. The loan’s first quarter interest may be paid from the loanproceeds, or by check at the time the loan is made.If the original loan check is returned within twenty (20) days of the date of the loan check, loan interest will be waived.The loan interest rate is determined by whether the plan or contract is subject to ERISA.ERISA loans:The interest rate charged at the inception of the loan will remain in effect for one year from the loan effective date. Theinterest rate may change annually. Notification of any change in the interest rate charged will be made at least thirty (30)days prior to its taking effect. If the interest rate changes, required quarterly repayments will change.Non-ERISA loans:The interest rate charged at the loan’s effective date will remain in effect for the duration of the loan.Current loan interest rates can be obtained by contacting your representative directly or by calling our Annuity CustomerService Center.Loan default and taxationYou may repay amounts after a loan default. Such repayments will prevent any additional interest from accruing on therepaid amounts and will reduce the amount of your outstanding loan balance for purposes of determining the amountof any additional loans you may have under retirement plans of your employer. However, such repayments after theadministrative grace period will not reverse the default or the deemed distribution of the unpaid loan balance that isreportable for federal income tax purposes. (See below.)If a quarterly repayment has not been received thirty-one (31) days after its due date, and if there is sufficient cash valueattributable to the Borrower’s contributions that is not restricted by federal tax law or regulation, the billed amount or aportion of the billed amount (to the extent of the unrestricted amounts in the contract on such date) due will besurrendered from the unrestricted cash value. Any applicable deferred sales charges or surrender penalties will bededucted. The amount surrendered will be reported to the Internal Revenue Service (IRS) as a distribution.If a repayment is not received within ninety (90) days of its due date and the billed amount has not been paid asdescribed in the previous paragraph, the entire loan will be placed in default. A tax report will be produced for thecalendar year the loan was placed in default, reporting to the IRS as a deemed distribution the outstanding loan amount.Interest will be charged on the defaulted loan amount until it is repaid. The defaulted loan can be repaid at any time toavoid the interest charge accrual. At the time the contract cash value becomes available for loan repayment underfederal tax law or regulation, and to the extent permissible under applicable state regulations, the cash value will bereduced by the amount of the loan outstanding and any unpaid interest due. Any applicable deferredsales charges or surrender penalties will be taken. The loan will no longer be outstanding.The loan plus any unpaid interest due must be repaid in full at the time of an allowable full surrender, including a directrollover or transfer. Amounts available for partial surrender, including a direct rollover or transfer, will be limited to thecash surrender value of the contract minus the loan amount outstanding, including amounts in default, minus unpaidinterest due.In the event the Borrower files a bankruptcy petition while the loan remains in effect, an exemption will be elected forthe annuity contract, including but not limited to its cash value, pursuant to Section 522 of Federal Bankruptcy Code orunder a state law exemption at least as broad in scope as Section 522.PLEASE RETAIN THIS COPY FOR YOUR RECORDSL-12155N-B (02/17)Page 6 of 6Fs-B/f

received in good order at Brighthouse Financial Home Office. The loan's first quarter interest may be paid from the loan proceeds, or by check at the time the loan is made. If the original loan check is returned within twenty (20) days of the date of the loan check, loan interest will be waived.