thank you for selecting the metlife takealong dental high

Thank you for selecting the MetLife TakeAlong Dental High PPO Plan. This package includes important benefit and regulatory information that needs to be carefully reviewed before you make a purchase. The following important information regarding your Dental insurance coverage is enclosed:

Request for Waiver of Individual Dental Waiting Period Form Customer Consent to The Use of Electronic Transactions and Electronic Delivery of Records Schedule of Benefits MetLife Privacy Notice California Healthcare Language Assistance Program Notice to Insureds Fraud Warnings Terms of Use - eService User Agreement

Please review these materials in their entirety. In order to complete your enrollment, you must verbally acknowledge that you have received and reviewed this important information and you will be asked to provide your Consumer Consent to the Use of Electronic Transactions and Electronic Delivery of Records and your Consent to the Terms of Use eService User Agreement. If you have any questions regarding this material, contact an AON Navigator representative at 800-350-1470.

Instructions: In order to be considered to have the waiting periods waived for your TakeAlong Dental insurance, you must complete this form and submit it to MetLife via email, fax or regular mail. Incomplete forms cannot be processed.

Name (First, Middle, Last) Telephone( )

Address

City State Zip

Name of Current/Previous Dental Insurer Name(s) of other individuals covered under current/previous dental insurance.

Has this coverage been in effect for at least 12 months? � YES � NO

If yes, date coverage began

Date coverage ends (put “continuing “if coverage will not end)

Signature Date

Important: This form must be signed and dated above.

PLEASE SUBMIT THIS FORM by any of the following methods:

By e-mail to: [email protected] By FAX to: 888-335-7330

By Mail to: MetLife TakeAlong Dental P O Box 2568 Frisco, TX 75034

Please allow 5 business days for email processing or 10 – 14 days for regular mail processing.

MetL i fe TakeA long Denta l S M Insu ranceRequest for Waiver of

Individual Dental Wait ing Period

Metropolitan Life Insurance Company200 Park Avenue, New York, New York

INDIVIDUAL DENTAL INSURANCE POLICY

SCHEDULE OF BENEFITS TakeAlongsm Dental High Option

This SCHEDULE OF BENEFITS lists the services available under the policy, as well as co-insurance percentages, deductibles, maximum benefit amounts, frequency limitations, and exclusions. ThisSCHEDULE OF BENEFITS is attached to and made a part of the policy

I. TABLE OF COVERED PERCENTAGES, DEDUCTIBLES, AND MAXIMUM BENEFIT AMOUNTS

BENEFIT BENEFIT AMOUNT

Covered Percentage for:In-Networkbased on theMaximum Allowed Charge

Out-of-Networkbased on the Maximum Allowed Charge

Basic Restorative Services* 80% 80%

Major Restorative Services* 50% 50%

Orthodontic Covered Services* 50% 50%

Deductibles for:

Calendar Year Individual Deductible

$25 for the following Covered Services Combined: Basic Restorative; Major Restorative


Calendar Year Family Deductible $75 for the following Covered Services Combined: Basic Restorative; Major Restorative


Maximum Benefit:

Calendar Year Individual Maximum

$2,000 for the following Covered Services: Preventive and Diagnostic; Basic Restorative; Major Restorative

$2,000 for the following Covered Services: Preventive and Diagnostic; Basic Restorative; Major Restorative

Preventive and Diagnostic Services

100% 100%

IND-DENTAL-2015-SOB Page 1 of 11

SCHEDULE OF BENEFITS (continued)

I. TABLE OF COVERED PERCENTAGES, DEDUCTIBLES, AND MAXIMUM BENEFIT AMOUNTS(continued)

Maximum Benefit (continued):

Lifetime Individual Maximum Benefit Amount for Orthodontic Covered Services

$1,000 $1,000

*NOTE: Waiting Periods apply to Basic Restorative, Major Restorative, and Orthodontic Covered Services. Please see the section entitled DESCRIPTION OF COVERED SERVICES for more information.



II. ADDITIONAL DEFINITIONS USED IN THIS SCHEDULE OF BENEFITS

Covered Percentage means:

for a Covered Service performed by an In-Network Dentist, the percentage of the Maximum Allowed Charge that We will pay for such services after any required Deductible is satisfied; and

for a Covered Service performed by an Out-of-Network Dentist, the percentage of the Maximum Allowed Charge that We will pay for such services after any required Deductible is satisfied.

Waiting Period for a Covered Service means the length of time for which a Covered Person must be covered under this policy in order to qualify for benefits for that Covered Service.

III. BENEFIT AMOUNTS

We will pay benefits in an amount equal to the Covered Percentage for charges incurred by a Covered Person for a Covered Service as shown on page 1 of this SCHEDULE OF BENEFITS, subject to the conditions set forth in this policy.

In-Network

If a Covered Service is performed by an In-Network Dentist, We will base the benefit on the Covered Percentage of the Maximum Allowed Charge.

If an In-Network Dentist performs a Covered Service, You will be responsible for paying:

the Deductible; and any other part of the Maximum Allowed Charge for which We do not pay benefits.

Out-of-Network

If a Covered Service is performed by an Out-of-Network Dentist, We will base the benefit on the Covered Percentage of the Maximum Allowed Charge.

Out-of-Network Dentists may charge You more than the Maximum Allowed Charge. If an Out-of-Network Dentist performs a Covered Service, You will be responsible for paying:

the Deductible;any other part of the Maximum Allowed Charge for which We do not pay benefits; and any amount in excess of the Maximum Allowed Charge charged by the Out-of-Network Dentist.



III. BENEFIT AMOUNTS (continued)

Maximum Benefit Amounts

The Maximum Benefit Amounts We will pay for Covered Services received In-Network and Out-of-Network are shown on pages 1 and 2 of this SCHEDULE OF BENEFITS. We will never pay more than the greater of the In-Network Maximum Benefit Amount or the Out-of-Network Maximum Benefit Amount.

For example, if a Covered Service is received Out-of-Network and We pay $100 in benefits for such service, $100 will be applied toward both the In-Network and the Out-of-Network Maximum Benefit Amounts applicable to such service.

Deductibles

The Deductible amounts are shown on page 1 of this SCHEDULE OF BENEFITS.

The Calendar Year Individual Deductible is the amount that You and each Dependent must pay for Covered Services to which such Deductible applies each calendar year before We will pay benefits for such Covered Services.

We apply amounts used to satisfy Calendar Year Individual Deductibles to the Calendar Year Family Deductible. Once the Calendar Year Family Deductible is satisfied, no further Calendar Year Individual Deductibles are required to be met.

The amount We apply toward satisfaction of a Deductible for a Covered Service is the amount We use to determine benefits for such service. The Deductible Amount will be applied based on when claims for Covered Services are processed by Us. The Deductible Amount will be applied to Covered Services in the order that claims for Covered Services are processed by Us regardless of when a Covered Service is “incurred”. When several Covered Services are incurred on the same date and benefits are claimed as part of the same claim, the Deductible Amount is applied based on the Covered Percentage applicable toeach Covered Service. The Deductible Amount will be applied in the order of highest Covered Percentage to lowest Covered Percentage.

Alternate Benefit

If We determine that a service, less costly than the Covered Service the Dentist performed, could have been performed to treat a dental condition, We will pay benefits based upon the less costly service if such service:

would produce a professionally acceptable result under generally accepted dental standards; and

would qualify as a Covered Service.

For example:

when an amalgam filling and a composite filling are both professionally acceptable methods for filling a molar, We may base Our benefit determination upon the amalgam filling which is the less costly service;

when a filling and an inlay are both professionally acceptable methods for treating tooth decay or breakdown, We may base Our benefit determination upon the filling which is the less costly service;

when a filling and a crown are both professionally acceptable methods for treating tooth decay or breakdown, We may base Our benefit determination upon the filling which is the less costly service; and

when a partial denture and fixed bridgework are both professionally acceptable methods for replacing multiple missing teeth in an arch, We may base Our benefit determination upon the partial denture which is the less costly service.



Alternate Benefit (continued)

If We pay benefits based upon a less costly service in accordance with this subsection, the Dentist may charge the Covered Person for the difference between the service that was performed and the less costly service. This is the case even if the service is performed by an In-Network Dentist.

Orthodontic Covered Services

Orthodontia treatment must begin while this policy is in effect. If the policy ends during the course of the treatment, the monthly payments will end. Dental procedures performed in connection with Orthodontia treatment are considered under the orthodontia benefit and are Covered Services.

Orthodontic treatment generally consists of initial placement of an appliance and a specified number of periodic follow-up visits as initially requested by the Dentist.

The benefit payable for the initial placement will not exceed 20% of the Maximum Benefit Amount for Orthodontia.

The benefit payable for the periodic follow-up visits will be based on the lower of:

the amount charged by the Dentist; andthe Maximum Benefit Amount for Orthodontia.

The benefit payable for the periodic follow-up visits will be payable on a monthly basis during the scheduled course of the orthodontic treatment if:

insurance is in effect for the person receiving the orthodontic treatment; andproof is given to Us that the orthodontic treatment is continuing.

IV. BENEFITS WE WILL PAY AFTER INSURANCE ENDS

We will pay benefits for a 31 day period after Your insurance ends for the completion of installation of a prosthetic device if:

the Dentist prepared the abutment teeth or made impressions before Your insurance ends; and

the device is installed within 31 days after the date the insurance ends.

We will pay benefits for a 31 day period after Your insurance ends for the completion of installation of a Cast Restoration if:

the Dentist prepared the tooth for the Cast Restoration before Your insurance ends; and

the Cast Restoration is installed within 31 days after the date the insurance ends.

We will pay benefits for a 31 day period after Your insurance ends for completion of root canal therapy if:

the Dentist opened into the pulp chamber before Your insurance ends; and

the treatment is finished within 31 days after the date the insurance ends.



V. DESCRIPTION OF COVERED SERVICES

Preventive and Diagnostic Services

1. Oral exams and problem-focused exams, but no more than twice in a calendar year.

2. Screenings, including state or federally mandated screenings, to determine an individual's need to be seen by a dentist for diagnosis, but no more than twice in a calendar year.

3. Patient assessments (limited clinical inspection that is performed to identify possible signs of oral or systemic disease, malformation, or injury, and the potential need for referral for diagnosis and treatment), but no more than twice in a calendar year.

4. Bitewing x-rays:

1 set every 6 months for a Child; and

1 set every calendar year for everyone else.

5. Cleaning of teeth (oral prophylaxis) twice in a calendar year.

6. Topical fluoride treatment for a Child under age 14 once in a calendar year.

Basic Restorative Services (Covered after a Waiting Period of 6 months)

1. Intraoral-periapical and extraoral x-rays.

2. Full mouth or panoramic x-rays once every 60 months.

3. X-rays, except as mentioned elsewhere.

4. Pulp vitality and bacteriological studies for determination of bacteriologic agents.

5. Genetic test for susceptibility to oral diseases.

6. Emergency palliative treatment to relieve tooth pain.

7. Initial placement of amalgam or resin fillings.

8. Replacement of an existing amalgam or resin fillings, but only if:

at least 24 months have passed since the existing filling was placed; or

a new surface of decay is identified on that tooth.

9. Protective (Sedative) Fillings.

10. Periodontal maintenance, where periodontal treatment (including scaling, root planing, and periodontal surgery, such as gingivectomy, gingivoplasty, and osseous surgery) has been performed. Periodontal maintenance is limited to four times in any calendar year less the number of teeth cleanings received during such 12 month period.

11. Periodontal scaling and root planing, but not more than once per quadrant in any 24 month period.

12. Pulp capping (excluding final restoration) and therapeutic pulpotomy (excluding final restoration).



V. DESCRIPTION OF COVERED SERVICES (continued)

Basic Restorative Services (Covered after a Waiting Period of 6 months) (continued)

13. Space maintainers for a Child under age 14 once per lifetime per tooth area.

14. Sealants or sealant repairs for a Child under age 14, which are applied to non-restored, non-decayed first and second permanent molars, once per tooth every 60 months.

15. Preventive resin restorations which are applied to non-restored first and second permanent molars, once per tooth every 60 months.

16. Pulp therapy.

17. Simple extractions.

Major Restorative Services (Covered after a Waiting Period of 12 months)

1. Apexification/recalcification.

2. Diagnostic casts.

3. General anesthesia or intravenous sedation in connection with oral surgery, extractions or other Covered Services, when We determine such anesthesia is necessary in accordance with generally accepted dental standards.

4. Local chemotherapeutic agents.

5. Injections of therapeutic drugs.

6. Initial installation of full or partial Dentures (other than implant supported prosthetics):

when needed to replace congenitally missing teeth; or

when needed to replace natural teeth that are lost while the person receiving such benefits was insured under this policy.

7. Addition of teeth to a partial removable Denture to replace natural teeth removed while insurance under this policy was in effect for the person receiving such services.

8. Replacement of a non-serviceable Denture if such Denture was installed more than 10 years prior to replacement.

9. Replacement of an immediate, temporary, full Denture with a permanent, full Denture, if the immediate, temporary, full Denture cannot be made permanent and such replacement is done within12 months of the installation of the immediate, temporary, full Denture.

10. Relinings and rebasings of existing removable Dentures:

if at least 6 months have passed since the installation of the existing removable Denture; and

not more than once in any 36 month period.

11. Re-cementing of Cast Restorations or Dentures, but not more than once in a 12 month period.




Major Restorative Services (Covered after a Waiting Period of 12 months) (continued)

12. Adjustments of Dentures, if at least 6 months have passed since the installation of the Denture and not more than once in any 12 month period.

13. Initial installation of Cast Restorations (except implant supported Cast Restorations).

14. Replacement of any Cast Restoration (except implant supported Cast Restorations) with the same or a different type of Cast Restoration, but no more than one replacement for the same tooth within 10years of the initial installation or a prior replacement.

15. Prefabricated crown, but no more than one replacement for the same tooth within 10 years.

16. Core buildup, but no more than once per tooth in a period of 10 years.

17. Posts and cores, but no more than once per tooth in a period of 10 years.

18. Oral Surgery, except as mentioned elsewhere in this SCHEDULE OF BENEFITS.

19. Consultations or interpretation of diagnostic image by a Dentist not associated with the capture of the image, but not more than once in a 12 month period.

20. Other consultations, but not more than once in a 12 month period.

21. Root canal treatment, including bone grafts and tissue regeneration procedures in conjunction with periradicular surgery, but not more than once for the same tooth.

22. Other endodontic procedures, such as apicoectomy, retrograde fillings, root amputation, and hemisection.

23. Periodontal surgery, including gingivectomy, gingivoplasty, and osseous surgery, but no more than one surgical procedure per quadrant in any 36 month period.

24. Surgical extractions.

25. Implant services (including sinus augmentation and bone replacement and graft for ridge preservation):

when needed to replace congenitally missing teeth; or

when needed to replace natural teeth that are lost while the person receiving such benefits was insured under this policy

but no more than once for the same tooth position in a 10 year period.

26. Repair of implants, but not more than once in a 12 month period.




Major Restorative Services (Covered after a Waiting Period of 12 months) (continued)

27. Implant supported Cast Restorations, but no more than once for the same tooth position in a 10 year period.

28. Implant supported fixed Dentures, but no more than once for the same tooth position in a 10 year period.

29. Implant supported removable Dentures, but no more than once for the same tooth position in a 10 year period.

30. Tissue conditioning, but not more than once in a 36 month period.

31. Simple repair of Cast Restorations or Dentures, but not more than once in a 12 month period.

32. Application of desensitizing medications where periodontal treatment (including scaling, root planing, and periodontal surgery, such as osseous surgery) has been performed.

33. Full mouth debridements, but not more than once per lifetime.

34. Occlusal adjustments, but not more than once in a 12 month period.

35. Appliances for treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards, but not more than once in a 24 month period.

36. Cleaning and inspection of a removable appliance once every 6 months.

Orthodontic Covered Services (Covered after a Waiting Period of 12 months)

Orthodontia for a Child up to age 19.



EXCLUSIONS

We will not pay benefits under this policy for charges incurred for:1. services which are not Dentally Necessary, those which do not meet generally accepted

standards of care for treating the particular dental condition, or which We deem experimental in nature;

2. services for which You would not be required to pay in the absence of dental insurance;3. services or supplies received by a Covered Person before insurance under this policy starts for

that person;4. services which are neither performed nor prescribed by a Dentist, except for those services of a

licensed dental hygienist which are supervised and billed by a Dentist, and which are for:

scaling and polishing of teeth; or

fluoride treatments;5. services which are primarily cosmetic, unless required for the treatment or correction of a

congenital defect of a newborn Child or for the treatment of a congenital cleft in the lip or palate or both;

6. services or appliances which restore or alter occlusion or vertical dimension;7. restoration of tooth structure damaged by attrition, abrasion or erosion, unless caused by

disease; 8. restorations or appliances used for the purpose of periodontal splinting;9. counseling or instruction about oral hygiene, plaque control, nutrition and tobacco;10. personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss;11. initial installation of a Denture or implant to replace one or more teeth which were missing before

such person was insured under this policy, except for congenitally missing teeth;12. decoration or inscription of any tooth, device, appliance, crown or other dental work;13. missed appointments;14. services:

covered under any workers’ compensation or occupational disease law;

covered under any employer liability law;

for which the employer of the Covered Person receiving such services is required to pay; or

received at a facility maintained by an employer, labor union, mutual benefit association, or VA hospital;

15. temporary or provisional restorations;16. temporary or provisional appliances;17. prescription drugs;18. services for which the submitted documentation indicates a poor prognosis;



EXCLUSIONS (continued)

19. the following, when charged by the Dentist on a separate basis:

claim form completion;

infection control, such as gloves, masks, and sterilization of supplies; or

local anesthesia, non-intravenous conscious sedation or analgesia, such as nitrous oxide;20. dental services arising out of accidental injury to the teeth and supporting structures, except for

injuries to the teeth due to chewing or biting of food;21. caries susceptibility tests;22. fixed and removable appliances for correction of harmful habits;23. biopsies of hard or soft oral tissue;24. precision attachments associated with fixed and removable prostheses, except when the

precision attachment is related to implant prosthetics;25. modification of removable prosthodontic and other removable prosthetic services;26. adjustment of a Denture made within 6 months after installation by the same Dentist who installed

it;27. duplicate prosthetic devices or appliances;28. replacement of a lost or stolen appliance, Cast Restoration or Denture;29. diagnosis and treatment of temporomandibular joint disorders and cone beam imaging;30. intra and extraoral photographic images;31. replacement of an orthodontic device;32. any services for which a Waiting Period applies where the Covered Person has not satisfied the

Waiting Period requirement on the date of the service;33. services delivered outside the United States, except for Emergency Dental Conditions up to a

maximum benefit of $100 per calendar year.


Individual Initial Dental Privacy Notice – September 2015

Our Privacy NoticeWe know that you buy our products and services because you trust us. This notice explains how we protect your privacyand treat your personal information. It applies to current and former customers. “Personal information” as used heremeans anything we know about you personally.

Protecting Your Information

We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.

Collecting Your Information

We typically collect your name, address, age, and other relevant information. We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates include life, car, and home insurers. They also include a legal plans company and securities broker-dealers. In the future, we may also have affiliates in other businesses.

How We Get Your Information

We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don’t control the accuracy of information outside sources give us. If you want to make any changes to information we receive from othersabout you, you must contact those sources.

Using Your Information

We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on whatproducts and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to:

administer your products and services process claims and other transactionsperform business researchconfirm or correct your informationmarket new products to youhelp us run our businesscomply with applicable laws

Sharing Your Information With Others

We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer youproducts and services or have others offer you products and services we endorse or sponsor. Before sharing yourinformation with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out.

Other reasons we may share your information include:

doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas)telling another company what we know about you if we are selling or merging any part of our businessgiving information to a governmental agency so it can decide if you are eligible for public benefitsgiving your information to someone with a legal interest in your assets (for example, a creditor with a lien on your account)giving your information to your health care providerhaving a peer review organization evaluate your information, if you have health coverage with usthose listed in our “Using Your Information” section above

Individual Initial Dental Privacy Notice – September 2015

HIPAAWe will not share your health information with any other company – even one of our affiliates – for their own marketing purposes. The Health Insurance Portability and Accountability Act (“HIPAA”) protects your informationif you request or purchase dental, vision, long-term care and/or medical insurance from us. HIPAA limits ourability to use and disclose the information that we obtain as a result of your request or purchase of insurance.Information about your rights under HIPAA will be provided to you with any dental, vision, long-term care ormedical coverage issued to you.

You may obtain a copy of our HIPAA Privacy Notice by visiting our website at www.MetLife.com. Select “Privacy Policy” at the bottom of the home page. For additional information about your rights under HIPAA; or to have a HIPAA Privacy Notice mailed to you, contact us [email protected], or call us at telephone number (212) 578-0299.ssing and Correcting YformationAccessing and Correcting Your Information

You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably retrievable and within our control. You must make your request in writing listing the account or policy numbers with the information you want to access. For legal reasons, we may not show you anything we learned as part of a claim or lawsuit, unless required by law.

If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone outside MetLife.

Questions

We want you to understand how we protect your privacy. If you have any questions or want more information about thisnotice, please contact us. When you write, include your name, address, and policy or account number.

Send privacy questions to:

MetLife Privacy OfficeP. O. Box 489Warwick, RI [email protected]

We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide thisprivacy notice to you on behalf of these MetLife companies:

Metropolitan Life Insurance CompanySafeGuard Health Plans, Inc., a California corporation in CaliforniaSafeGuard Health Plans, Inc., a Florida corporation in FloridaSafeGuard Health Plans, Inc., a Texas corporation in TexasMetLife Health Plans, Inc.

CA LAP STANDALONE NOTICE (09/08)

CALIFORNIA HEALTHCARE LANGUAGE ASSISTANCE PROGRAM NOTICE TO INSUREDS

No Cost Language Services. You can get an interpreter. You can get documents read to you and some sent to you in your language. For help, call us at the number listed on your ID card, if any, or 1-800-942-0854. For more help call the CA Dept. of Insurance at 1-800-927-4357. To receive a copy of the attached MetLife document translated into Spanish or Chinese, please mark the box by the requested language statement below, and mail the document with this form to: Metropolitan Life Insurance Company PO Box 14587 Lexington, KY 40512 Please indicate to whom and where the translated document is to be sent.

Servicio de Idiomas Sin Costo. Puede obtener la ayuda de un intérprete. Se le pueden leer documentos y enviar algunos en español. Para recibir ayuda, llámenos al número que aparece en su tarjeta de identificación, si tiene una, o al 1-800-942-0854. Para recibir ayuda adicional llame al Departamento de Seguros de California al 1-800-927-4357. Para recibir una copia del documento adjunto de MetLife traducido al español, marque la casilla correspondiente a esta oración, y envíe por correo el documento junto con este formulario a: Metropolitan Life Insurance Company PO Box 14587 Lexington, KY 40512 Por favor, indique a quién y a dónde debe enviarse el documento traducido. NOMBRE DIRECCIÓN

ID 1-800-942-0854 1-800-927-4357MetLife

Metropolitan Life Insurance Company PO Box 14587 Lexington, KY 40512

MetLife Fraud Warnings

Alabama: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Alaska: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Arizona: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Arkansas: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

California: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Colorado: It is unlawful to knowingly provide false, incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

Connecticut: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Delaware: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

District of Columbia (Washington DC): Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Florida: Any person who knowingly and with intent to injure, defraud or deceive any insurance company files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree.

Georgia: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Hawaii: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Idaho: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Illinois: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Indiana: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Iowa: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Kansas: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Kentucky: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Louisiana: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Maine: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

Maryland: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Massachusetts: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Michigan: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Minnesota: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Mississippi: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Missouri: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Montana: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Nebraska: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Nevada: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

New Hampshire: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

New Jersey: Any person who files an application containing any false or misleading information is subject to criminal and civil penalties.

New Mexico: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

New York (only applies to Accident and Health Benefits): Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

North Carolina: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

North Dakota: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Ohio: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Oklahoma: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

Oregon: Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law.

Pennsylvania and all other states: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Puerto Rico: Any person who knowingly and with the intention to defraud includes false information in an application for insurance or files, assists or abets in the filing of a fraudulent claim to obtain payment of a loss or other benefit, or files more than one claim for the same loss or damage, commits a felony and if found guilty shall be punished for each violation with a fine of no less than five thousand dollars ($5,000), not to exceed ten thousand dollars ($10,000); or imprisoned for a fixed term of three (3) years, or both. If aggravating circumstances exist, the fixed jail term may be increased to a maximum of five (5) years; and if mitigating circumstances are present, the jail term may be reduced to a minimum of two (2) years.

Rhode Island: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

South Carolina: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

South Dakota: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Tennessee: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

Vermont: Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law.

Virginia: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

Washington: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

West Virginia: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Wisconsin: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Wyoming: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Terms of Use

eSERVICE User Agreement

For the purposes of this User Agreement, "we," "us," "our," "the company" refers to the affiliated companies listed below, jointly and individually, as well as to other of their affiliates, unless otherwise indicated by specific reference to a company. "You" and "yours" refers to the owner of one or more policies/contract/accounts offered by us.

Your use of this web site is governed by this User Agreement. Metropolitan Life Insurance Company ("MetLife") provides this web site and your individually identifiable Log-in ID and Password as a convenience to you, the user. This site is NOT intended to be accessed with your Log-in ID and Password by your MetLife-affiliated financial advisor, independent financial advisors or representatives, or any other third party, other than you, the policy/contract/account owner. We reserve the right to prevent anyone other than the policy/contract/account owner from using this web site. YOUR INDIVIDUALLY IDENTIFIABLE LOG-IN ID AND PASSWORD ARE FOR YOUR BENEFIT ONLY; PLEASE DO NOT SHARE THIS INFORMATION WITH ANYONE.

MetLife also provides administrative services to certain of its affiliates, services which include use of this web site to provide materials, information, and services to you. These MetLife affiliates include, but are not limited to:

First MetLife Investors Insurance CompanyGeneral American Life Insurance CompanyMetLife, Inc.MetLife Insurance Company USAMetLife Investors Distribution CompanyMetLife Investors Group, Inc.MetLife Securities, Inc.Metropolitan Life Insurance CompanyMetropolitan Property and Casualty Insurance CompanyNew England Life Insurance Company

Please read the following terms and conditions carefully before using this web site or any of our other web sites. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our subsidiaries or affiliates.We may add to or supersede certain provisions of these terms and conditions with other provisions located in other of our web sites.

1. LiabilityUNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, HOWSOEVER CAUSED THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE, ALL UPGRADES, UPDATES, MODIFICATIONS, RELEASES, AND SERVICES INCLUDING, BUT NOT LIMITED TO, ACCESS TO AND USE OF THE INTERNET, FURNISHED TO YOU PURSUANT TO THIS AGREEMENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES REGARDING THIS WEB SITE OR THE USE THEREOF, AND ACCESS TO AND USE OF THE INTERNET, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE.

2. We Do Not Have Responsibility for Links to Third Party ContentLINKS TO WEB SITES OF NON-AFFILIATED THIRD PARTIES ARE PROVIDED FORYOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKEDWEB SITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize, or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to any of our sites, please contact our webmaster to complete a hyperlinking agreement. If you are one of our group customers and wish to link your web site to this site, please contact one of our representatives for instructions on completing a hyperlinking agreement.

3. Term of AgreementThis Agreement will be effective upon execution, that is, when you click on the "I Consent" button at the end of this Agreement, and shall continue until termination by you or by us. We reserve the right to suspend or terminate this Agreement immediately and without notice if we, in our sole discretion, determine that suspension or termination is necessary to comply with any applicable law, regulation, tariff, order, or our rules, policies, practices, and/or security procedures and concerns.

You may terminate this Agreement at any time by contacting the Customer Service Center and following the instructions provided to you with regards to termination.

4. Transaction Requests and Other Information SubmissionsYou are solely responsible for the genuineness and accuracy, both as to content and form, of all requests and other communications properly received by us. We will use commercially reasonable efforts to process your requests received and to update your requested information.

To the extent that you use this web site, it is expressly understood and agreed that: (i) we may rely on the accuracy of information that you provide; (ii) we may act upon all instructions received by means of requests submitted by, or other information provided by, you; (iii) we assume no liability whatsoever if, as a result of the inaccuracy of such information, you or any third party suffer any loss or damages. You understand and agree that submitting a request using the web site does not guarantee processing of that request and that you are solely responsible to check the status of the request on the web site, and take any further action necessary, including resubmitting a request. By signing this Agreement you warrant and represent to us that: (i) you shall not cause to be introduced into our systems, any virus or any other contaminant or code that may be used to access, alter, delete, damage, or disable any software, data, material, or other property owned or used by us; (ii) you have the right to provide to us access to claim information and data, and that we have a restricted and unassignable right to access such information and data without any liability whatsoever to you; and (iii) neither our access to any information submitted by you, your use of the web site, nor your provision of any information through the web site, constitutes or may give rise to a claim of patent and/or copyright infringement, or unlawful disclosure, use or misappropriation of any property right.

5. Confirmations and Other Communications from UsYou understand that it is your responsibility to review all confirmations, statements, notices, and other communications from us relating to the web site. You agree that we fulfill our legal obligations to deliver any such document, if sent by electronic delivery or posted on the web site, provided you have consented to electronic delivery of required documents. You understand that you can revoke this consent at any time and can receive such documentation in writing by giving written notice to the company listed below from which you've been receiving electronic documents, including any of their unlisted subsidiaries and/or affiliates. Documents sent by electronic delivery contain all the information that appears in the printed hardcopy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an E-mail, an E-mail attachment, or in the form of an available document which may be downloaded from the web site. You represent that you will download the relevant document promptly after receiving notice of its availability and that you have the appropriate software to enable you to do so. Should you experience any difficulty opening a document electronically delivered by us, you must promptly advise us in order to allow us to make delivery by other means. Failure to advise us of such difficulty within 5 days (or any longer period required by law) after delivery shall serve as an affirmation that you were able to receive and open said document. You are responsible for ensuring that your software and internet service provider do not inhibit or interfere with the communications described herein.

6. Security Devices, Passwords, Etc.In using the web site, you are fully responsible for the security of passwords, IDs, digital certificates and other security devices assigned to you by us ("Security Devices"). The use and storage of any information by you relating to the services including, without limitation, the Security Devices, transaction activity, claim information, and any other information on your computer is at your own risk and is your sole responsibility. By signing this Agreement, you agree to protect any information relating to this web site, the services and/or any software downloaded by you in order to use the services, if applicable, from unauthorized access, copying

or use. In order to use this web site and the services, you shall install virus checking software, with then-current virus signatures and definitions, on all computers that you use to interface with the web site and the services, and you shall ensure that you are engaged in a secure session prior to transmitting any claim-related information (i.e., the web site indicates that the communication will be secured using SSL security, or the Web Site URL reads "Https://" indicating a secure connection). In the event you detect or become aware of any unauthorized access, copying, or use of information relating to the services (including, if applicable, any software downloaded by you in order to use the services), or loss or theft of a Security Device, you agree to notify us immediately. We may rely on any transmissions received using the Security Devices.

7. Privacy/Treatment of Information or Data Transmitted to UsWe will treat the personal information you update on our system consistent with our Online Privacy Policy and Customer Privacy Notices available on this site.

8. Proprietary Rights & Restricted UseThis web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without our prior written permission.

9. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web SiteThe trademarks, service marks, and logos used and displayed on this web site belong to their respective owners, and all use of them shall inure to the benefit of those respective owners. We are the copyright owner of all text contained on this web site. Peanuts Worldwide LLC is the copyright and trademark owner of all PEANUTS® characters and graphics contained on this web site. METLIFE®, METLIFE ONLINE®, IF®, and other trademarks and service marks ofMetropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this web site are the property of Metropolitan Life Insurance Company or one of its subsidiaries or affiliates. Other parties' trademarks and service marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.

10. We Are Not Providing Investment Advice Nor Soliciting OffersUnless and except where expressly provided, nothing in this web site constitutes investment, tax, legal, or insurance advice, including our filings with the U.S. Securities and Exchange Commission (SEC). Except where expressly stated to the contrary, nothing in this web site constitutes an offer to sell or the solicitation of any offer to buy any security or any related

product. No security offered by MetLife, Inc., its subsidiaries or affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction, or would subject MetLife, Inc., its subsidiaries or affiliates to any registration requirement of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. In addition, except where we expressly state, any prospectus, supplement or other information available on this web site is posted for informational purposes only, and is not a recommendation that you should engage in any purchase or sale.

When available, MetLife, Inc.'s and certain other affiliates' Annual Reports on form 10-K, Quarterly Reports Form 10-Q, and other materials will be accessible through the Investor Relations portion of www.MetLife.com or by accessing the SEC's web site at http://www.sec.gov.

11. You Should Not Rely on the MetLife, Inc. Stock Price Information on This Web SiteWe do not generate the information regarding MetLife, Inc. stock prices for this web site. We believe that the information on Investor Relations portion of www.MetLife.com is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on the MetLife, Inc. Investor Relations portion of this web site.

12. Investors Should Not Unduly Rely on Any Forward-Looking InformationThis web site may contain statements which constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 including statements relating to trends in the operations and financial results and the business and products of MetLife, Inc. and its subsidiaries, as well as other statements including words such as "anticipate," "believe," "plan," "estimate," "expect," "intend," and other similar expressions. Forward looking statementsare made based upon management's current expectations and beliefs concerning future developments and their potential effects on the company. Such forward looking statements are not guarantees of future performance.

Actual results may differ materially from those included in the forward-looking statements as a result of risks and uncertainties including, but not limited to, the following: (i) changes in general economic conditions, including the performance of financial markets and interest rates, which may affect the company's ability to raise capital and its generation of fee income and market-related revenue; (ii) heightened competition, including with respect to pricing, entry of new competitors, the development of new products by new and existing competitors and for personnel; (iii) investment losses and defaults, and changes to investment valuations; (iv) unanticipated changes in industry trends; (v) catastrophe losses; (vi) ineffectiveness of risk management policies and procedures; (vii) changes in accounting standards, practices and/or policies; (viii) changes in assumptions related to deferred policy acquisition costs, value of business acquired or goodwill; (ix) discrepancies between actual claim experience and assumptions used in setting prices for the company's products and establishing the liabilities for the company's obligations for future policy benefits and claims; (x) discrepancies between actual

experience and assumptions used in establishing liabilities related to other contingencies or obligations; (xi) adverse results or other consequences from litigation, arbitration or regulatory investigations; (xii) downgrades in the company's and its affiliates' claims paying ability, financial strength or credit ratings; (xiii) regulatory, legislative, or tax changes that may affect the cost of, or demand for, the company's products or services; (xiv) MetLife, Inc.'s primary reliance, as a holding company, on dividends from its subsidiaries pay such dividends; (xv) deterioration in the experience of the "closed block" established in connection with the reorganization of Metropolitan Life Insurance Company; (xvi) economic, political, currency and other risks relating to the company's international obligations; (xvii) the effects of business disruption or economic contraction due to terrorism or other hostilities; (xviii) the company's ability to identify and consummate on successful terms any future acquisitions, and to successfully integrate acquired businesses with minimal disruption; and (xix) other risks and uncertainties described from time to time in MetLife, Inc.'s filings with the SEC.

The company specifically disclaims any obligation to update or revise any forward looking statement, whether as a result of new information, future developments or otherwise.

13. You Agree to Indemnify Us for Using This Web SiteYou agree to indemnify, defend, and hold harmless us, and our respective officers, directors, employees, agents, licensors, suppliers, and any third party information providers to us from andagainst all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.

14. Third Parties May Have Rights Under This AgreementThe provisions of this Agreement are for our benefit and our respective officers, directors, employees, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

15. Users Under 18 Years of Age.In order to use this site you must be 18 years of age or older.

16. Force Majeure.The Company shall not be liable for any delay or failure to perform its obligations hereunder caused by an event of natural disaster, pandemics, casualty, acts of God or public enemy, riots, terrorism, governmental acts or such other event of similar nature, which is beyond the reasonable control of the Company.

17. All Products, Programs and Services May Not be Available in Your AreaThis web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. THE LAWS OF THE STATE OF NEW YORK WILL GOVERN THE CONTENT AND MATERIALS CONTAINED IN THIS WEB SITE,

WITHOUT GIVING EFFECT TO ANY PRINCIPLES OF CONFLICTS OF LAWS. YOUHEREBY CONSENT TO SUBMIT TO THE EXCLUSIVE JURISDICTION OF AND VENUE IN THE COURTS OF THE STATE OF NEW YORK AND OF THE UNITED STATES OF AMERICA LOCATED IN THE STATE OF NEW YORK FOR ANY LITIGATION ARISING OUT OF OR RELATING TO THE USE OF THIS WEB SITE.

We are not authorized to do business in every jurisdiction. Information that we publish on this web site may contain references or cross-references to products, programs or services of ours that are not available in your state or country. The products referred to on this web site may be offered and sold only to persons in the United States of America and its territories. Consult one of our local financial representatives for information regarding the products, programs and services which may be available to you.

First MetLife Investors Insurance Company, 200 Park Avenue, New York, NY, 10166, NAIC Company Code Number 60992, is licensed to do business in New York. First MetLife Investors Insurance Company is a New York life insurance company.

MetLife Investors Distribution Company, 11225 North Community House Road, Charlotte, NC 28277.

General American Life Insurance Company, 13045 Tesson Ferry Road, St. Louis, MO 63128,NAIC Company Code Number 63665, is licensed to do business in all states, including the District of Columbia, and Puerto Rico, but excluding New York and the Virgin Islands. General American Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of Missouri.

MetLife, Inc., 200 Park Avenue, New York, NY 10166.

MetLife Insurance Company USA, 1209 Orange Street, Wilmington, DE 19801, NAIC Company Code Number 87726, is licensed to do business in all states except New York.

MetLife Investors Group, Inc., 5 Park Plaza, Suite 1900, Irvine, CA 92614.

MetLife Securities, Inc., 200 Park Avenue, New York, NY 10166 (Member FINRA/SIPC).

Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, NAIC Company Code Number 65978, is licensed to do business in all fifty states, the District of Columbia, Puerto Rico, and the Virgin Islands. Metropolitan Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of New York.

Metropolitan Property and Casualty Insurance Company, 700 Quaker Lane, Warwick, RI 02887, NAIC Company Code Number 26298, is licensed to do business in all states, including the District of Columbia, but excluding Alaska and California. (Certain affiliates are licensed to do business in Alaska and California.) Metropolitan Property and Casualty Insurance Company is a domiciliary of, and has its principal place of business in, the State of Rhode Island.

New England Life Insurance Company, 501 Boylston Street, Boston, MA 02116, NAIC Company Code Number 91626, is licensed to do business in all fifty states, including the District of Columbia, but excluding the Virgin Islands and Puerto Rico. New England Life Insurance Company is a domiciliary of, and has its principal place of business in, the Commonwealth of Massachusetts.

To reach eSERVICE Customer Service with regard to any questions about this User Agreement, please call 1-866-363-8669.

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Metropolitan Life Insurance Company Metropolitan Tower Life Insurance Company SafeGuard Health Plans, Inc. Delaware American Life Insurance Company MetLife Health Plans, Inc. SafeHealth Life Insurance Company

Our Privacy Notice

We know that you buy our products and services because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers. “Personal information” as used here means anything we know about you personally.

1.Plan Sponsors and Group Insurance Contract Holders

This privacy notice is for individuals who apply for or obtain our products and services under an employee benefit plan, group insurance or annuity contract, or as an executive benefit. In this notice, “you” refers to these individuals.

2.Protecting Your Information

We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.

3.Collecting Your Information

We typically collect your name, address, age, and other relevant information. We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates include life, car, and home insurers. They also include a legal plans company and a securities broker-dealer. In the future, we may also have affiliates in other businesses.

4.How We Get Your Information

We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don’t control the accuracy of information outside sources give us. If you want to make any changes to information we receive from others about you, you must contact those sources.

We may ask for medical information. The Authorization that you sign when you request insurance permits these sources to tell us about you. We may also, at our expense:

Ask for a medical exam Ask for blood and urine tests Ask health care providers to give us health data, including information about alcohol or drug abuse

We may also ask a consumer reporting agency for a “consumer report” about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about:

Reputation Driving record Finances

Work and work history Hobbies and dangerous activities

The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.

Another source of information is MIB Group, Inc. (“MIB”). It is a non-profit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company, MIB will give that company any information that it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you. You may do so by writing to MIB, Inc., 50 Braintree Hill, Suite 400, Braintree, MA 02184-8734, by calling MIB at (866) 692-6901, or by contacting MIB at www.mib.com.

5.Using Your Information

We collect your personal information to help us decide if you’re eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your information to:

http://www.mib.com/

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administer your products and services process claims and other transactions

perform business research confirm or correct your information

market new products to you help us run our business

comply with applicable laws

6.Sharing Your Information With Others

We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor. Before sharing your information with any affiliate or joint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out.

Other reasons we may share your information include:

doing what a court, law enforcement, or government agency requires us to do (for example, complying withsearch warrants or subpoenas)

telling another company what we know about you if we are selling or merging any part of our business

giving information to a governmental agency so it can decide if you are eligible for public benefits

giving your information to someone with a legal interest in your assets (for example, a creditor with a lien onyour account)

giving your information to your health care provider

having a peer review organization evaluate your information, if you have health coverage with us

those listed in our “Using Your Information” section above

7.HIPAA

We will not share your health information with any other company – even one of our affiliates – for their own marketing purposes. The Health Insurance Portability and Accountability Act (“HIPAA”) protects your information if you request or purchase dental, vision, long-term care and/or medical insurance from us. HIPAA limits our ability to use and disclose the information that we obtain as a result of your request or purchase of insurance. Information about your rights under HIPAA will be provided to you with any dental, vision, long-term care or medical coverage issued to you.

You may obtain a copy of our HIPAA Privacy Notice by visiting our website at www.MetLife.com. For additional information about your rights under HIPAA; or to have a HIPAA Privacy Notice mailed to you, contact us at [email protected], or call us at telephone number (212) 578-0299.

8.Accessing and Correcting Your Information

You may ask us for a copy of the personal information we have about you. Generally, we will provide it as long as it is reasonably locatable and retrievable. You must make your request in writing listing the account or policy numbers with the information you want to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law.

If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing, and we will include your statement whenever we give your disputed information to anyone outside MetLife.

9.Questions

We want you to understand how we protect your privacy. If you have any questions or want more information about this notice, please contact us. When you write, include your name, address, and policy or account number.

Send privacy questions to:

MetLife Privacy Office P. O. Box 489 Warwick, RI 02887-9954 [email protected]

We may revise this privacy notice. If we make any material changes, we will notify you as required by law. We provide this privacy notice to you on behalf of the MetLife companies listed at the top of the first page.

http://www.metlife.com/

mailto:[email protected]

mailto:[email protected]