User Agreement

For the purposes of this User Agreement, "we," "us," "our," "the company" refers to the companies listed below, jointly and individually, as well as to 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 MetLife web site (the "Web Site") is governed by and conditioned upon your acceptance of this User Agreement. Metropolitan Life Insurance Company and its agents, affiliates, subsidiaries, licensors, contractors, partners and service providers (collectively, "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 any financial advisor or representative, or by any other third party, other than 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, which services include use of this Web Site to provide materials, information, and services to you. These affiliates include, but are not limited to:

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. If you do not agree with any changes, modifications or revisions to these Terms of Use or other policies, you must stop using the Web Site. Your continued use of the Web Site will be deemed acceptance of such changes, modifications or revisions.

1. Liability

UNDER 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 Content

LINKS TO WEB SITES OF NON-AFFILIATED THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB 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 Agreement

This 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 and your access to the Web Site 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 Submissions

You 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 User 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 Us

You 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 User 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 Us

We 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 Use

This 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 Site

The 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.  METLIFE®, METLIFE ONLINE®, IF®, and other trademarks and service marks of Metropolitan 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 Offers

Unless 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 us or our 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 us, our 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 any Stock Price Information on This Web Site

We do not generate the information regarding any 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 Investor Relations portion of this Web Site.

12. Investors Should Not Unduly Rely on Any Forward-Looking Information

This 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 and affiliates, as well as other statements including words such as "anticipate," "believe," "plan," "estimate," "expect," "intend," and other similar expressions. Forward looking statements are 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 companies specifically disclaim 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 Site

You 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 and against 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 Agreement

The 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 companies 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 companies.

17. Access to the Web Site.

You are responsible for the computer or other devices used to access the Web Site. Use of the Web Site requires a compatible computer or mobile device, Internet access, and certain software (fees may apply). You also understand that the technical requirements for access to the Web Site may change over time and that it is your responsibility to meet those requirements. You further agree that MetLife has no obligation to provide access to the Web Site on any particular computer or other device or by using any specific software. The Web Site is only available in certain jurisdictions and MetLife makes no representation that the Web Site, or any feature or part thereof, is appropriate or available for use in any particular location. The Web Site is currently available only in the English language.

18. All Products, Programs and Services May Not be Available in Your Area

This Web Site is controlled by MetLife from its 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. YOU HEREBY 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 a local financial representative for information regarding the products, programs and services which may be available to you.

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

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

MetLife Investors Group, LLC,  1209 Orange Street, Wilmington, DE 19801

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 United States Virgin Islands. Metropolitan Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of New York.

Metropolitan Tower Life Insurance Company, 200 Park Avenue, New York, NY 10166, NAIC Company Code Number 97136, is licensed to do business in all fifty states and the District of Columbia. Metropolitan Tower Life Insurance Company is a domiciliary of New York, and has its principal place of business in New York.

To reach Customer Service with regard to any questions about this User Agreement, please call 1-877-963-8932.

User Consent to Receive Policies/Contracts and Disclosures Through Electronic Means ("Consent")

In this Consent, "we," "us," "our," or "the Company" refers to the company or companies with whom you own policies, contracts or accounts and may include Metropolitan Life Insurance Company. and/or each of its affiliates, including: MetLife Investors Distribution Company; MetLife Investors Group, LLC; Metropolitan Tower Life Insurance Company; and any future affiliates. "You" and "yours" refers to the owner of one or more policies/contracts/accounts offered by any one of us.

Please read the following terms and conditions carefully before agreeing to them.

1. Your right to consent.

To the extent permitted by law or regulation, this Consent authorizes us to accept your electronic signature as your valid, legally effective signature and to electronically send your insurance policy or annuity contract and accompanying documents (the "Policy Package"), and communications relating to your applications for coverage, and to policies, contracts and accounts you own, excluding notices of lapse, non-renewal and cancellation (unless otherwise permitted by law). You have the option, at any time, to receive a paper copy of any policy or contract or communication from us. You also have the choice to receive certain materials electronically and others on paper. The documents that may be delivered electronically are listed in Section 9. In accordance with law, we will notify you of any additional documents we add to this list. You will continue to receive paper copies of documents that we do not send electronically.

2. Withdrawal of consent.

You can easily withdraw your consent at any time.

• If you purchased your policy or contract through a representative, you may withdraw your consent by logging onto MetOnline^SM , going to Profile and navigating to the Consent Statement under User Agreements. You can also call the Customer Service Department at 1-877-963-8932 and follow its directions.
• If you purchased your policy or contract directly or without a representative, you can call the Customer Service Department at 1-877-963-8932 and follow its directions.
• The withdrawal or update of your consent may take up to 15 days after we receive your request.

3. You are not required to consent to the delivery of documents electronically.

You do not have to sign this Consent in order to do business with us. If you do not wish to consent to electronic delivery, we will send paper copies of your documents and communications to you.

4. How to obtain paper copies; fees.

You may obtain paper copies by calling us at 1-877-963-8932. We reserve the right to charge you a fee for sending you paper copies of notices and other documents, except where prohibited by law. No fees may be imposed as a condition or consequence of withdrawal of consent.

5. Methods and timing of delivery of electronic documents.

• When you consent to these terms and conditions, then the materials identified in Section 9 may be provided to you in electronic form.
• If you consent to electronic delivery of the Policy Package, we will send an email to you at the email address you provided us, which will include a link that will return you to our secure website where you may access and download or print the complete Policy Package.

6. Access your materials promptly.

Your rights relating to your policy or contract may be time sensitive. Any document that can be accessed via a link we send to you in an email is deemed to be delivered on the date we send you the email. However, any policy or contract for which a later date is indicated on a policy delivery receipt is deemed to be delivered on such later date. When you receive our email alerting you that a document or a message is waiting for you at the secure website, you should promptly access the site and read the documents and messages.

7. Updating your information.

If you consent to receive documents and communications electronically, please be diligent in updating your Profile at MetOnline when your email address or other information changes. You can also update your email address by accessing your customer profile at http://Online.MetLife.com. If you purchased your policy or contract directly or without a representative, you can update your email address and other information by calling the Customer Service Department at 1-877-963-8932 and following its directions.

8. Hardware and Software requirements.

To receive documents and communications electronically, you must have access to a computer with an Internet connection. If you would like to be able to save the documents you receive, the computer should have a hard drive or other storage device, or be connected to a printer. You must also have an email account to receive communications.

In order to receive your documents electronically, you will need Adobe Acrobat Reader 3.0 (or higher).

You are responsible for ensuring that neither your software nor your Internet service provider inhibits or interferes with the electronic delivery of the materials described herein. We will notify you regarding hardware and software changes.

9. We may deliver these and other documents electronically

• Applications for insurance and related disclosure materials
• Policies and policy packages
• Certificates or other evidence of coverage, enrollment forms and coverage packages
• Notice of policy or contract changes, including endorsements, and face increase options
• Other legally required notices and disclosures, including privacy notices
• Billing and payment materials, including billing statements and notices of premium changes
• Tax-related information and forms
• Prospectuses
• Trade confirmations
• Annual and other periodic statements
• Claims forms and related information

By clicking the "I AGREE" button, you confirm to us that:

• You can access and read this Consent and that you agree to its terms and conditions;
• You consent to do business with us electronically;
• You confirm such consent to do business with us electronically;
• You acknowledge that documents delivered electronically may contain information regarding your personal financial matters and consent to the electronic delivery of such information;
• You can print this Consent or save/access it for future reference; and
• This Consent remains valid until you withdraw it.

For purposes of receiving electronic transmission of documents from us, as set forth above, the email address you provided during registration will be used. This email address may be updated within your profile page.

METLIFE ONLINE – Short Message Service (SMS) / Multimedia Messaging Service (MMS) TERMS & CONDITIONS

You must be a customer of MetLife or a MetLife-affiliated company – as well as a registered user of MetLife Online – to sign up for and to receive SMS or MMS text messages related to your MetLife Online account. Please note that message and data rates may apply. Register here.

The number of messages you will receive monthly will depend on the number of MetLife products you own and their association with your MetLife Online profile. As a rule, you will receive no more than eight messages a month per product.

Be mindful, though, that you could have also opted into receiving text messages from MetLife, or its affiliates, for separate purposes. For example, you might have signed up to receive messages for an insurance claim or a customer-service issue. These messages would not be included in the eight-messages.

Please note, too, that depending upon which products you own, you could receive messages from the following mobile numbers:

MetLife Online can send SMS or MMS messages to the following mobile carriers:

Please be aware that a mobile carrier is not liable for the messages nor their content.

T-Mobile® does not guarantee that alerts will be delivered and will not be liable for delayed or undelivered messages.

If you need assistance at any time, text HELP. You may also call 877-963-8932 or contact customer service. To stop receiving SMS/MMS messages about your MetLife Online account product, reply STOP. As always, MetLife respects your right to privacy. Review our privacy policy.