Authorized access and use only. Only those employees and other individuals authorized by MetLife and/or by MetLife Institutional Business customers are permitted to access and use this Web Site. Users must maintain in strictest confidence and not improperly use or disclose any private or other confidential information of MetLife, any MetLife customer or any other person. MetLife is not liable for any loss arising out of any unauthorized access to or use of this Web Site by any person.

Copyright, trademarks, service marks. Metropolitan Life Insurance Company is the copyright owner of all text contained on this Web Site. United Feature Syndicate, Inc. is the copyright owner of all PEANUTS^® characters and graphics contained on this Web Site. METLIFE®, METLIFE ONLINE®, LIFE ADVICE®, have you met life today?^sm 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 services 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. The name of MetLife, Inc., Metropolitan Life Insurance Company, MetLife or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Web Site, without prior 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.

Web Site materials are not advice. The materials on this Web Site are not a substitute for obtaining legal, tax or other professional advice from your advisors. By making this Web Site available to you, MetLife is not engaged in rendering any such professional advice.

Links to other web sites. PLEASE BE AWARE THAT THIS WEB SITE CONTAINS LINKS TO WEB SITES OF THIRD PARTIES WHO ARE NOT AFFILIATED WITH METLIFE.

MetLife has agreed with certain Institutional Business customers to provide their employees and other authorized individuals with access to web sites of third party vendors or providers of information ("Vendor Web Sites"). For this purpose MetLife has entered into agreements with certain third party vendors in regard to such Vendor Web Sites. Vendor Web Sites generally provide information about, or make available financial, insurance or similar products and services. Any links from this Web Site to Vendor Web Sites and any framing of Vendor Web Sites by MetLife are provided for the convenience of the users of this Web Site. However, the contents of such Vendor Web Sites are under the control of third parties and MetLife does not sponsor or operate those web sites, nor is MetLife affiliated with the owners of those web sites, nor does MetLife sponsor, insure or produce any of the non-MetLife products or services referred to on such Vendor Web Sites.

Links from this Web Site to third party web sites, other than Vendor Web Sites, are provided solely for the convenience of the users of this Web Site. The contents of any such web sites are under the control of third parties, and MetLife does not have any association whatsoever with such web sites or with the third parties for purposes of such web sites, unless expressly stated.

MetLife reserves the right to terminate a link to any web site at any time.

Security. MetLife uses no encryption (data scrambling) on certain portions of our Web Site, and up to 128-bit encryption on other portions. Any security measures provided on this Web Site by MetLife, for example, those to help protect privacy or for other purposes, are for use of this Web Site and not for use of other web sites even if linked to or framed by this Web Site. In addition, the types of security measures may vary from one part of this Web Site to another.

MetLife cannot protect all electronic mail correspondence (email) sent to or from MetLife in connection with this Web Site. In addition, your employer, internet service provider, or other parties, may have their own security policies and procedures respecting (a) email delivered on or through their email systems; and/or, (b) other matters which impact your use of this Web Site. You should contact MetLife customer service if you have questions about security on this Web Site. You may also want to contact your employer, internet service provider or other appropriate parties if you have questions about their security practices.

Availability of benefits products. This Web Site contains information about MetLife insurance and other MetLife products and/or about your benefits. This information pertains only to the United States unless expressly stated. MetLife products are generally unavailable outside the United States and not all insurance and benefits are available in all states.

Copying and linking to this Web Site. The content of this Web Site is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this 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 copy information contained in this Web Site as expressly provided for on the Web Site and for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information. If you are a MetLife customer and wish to link your web site to this Web Site, please contact your MetLife representative for instructions.

Applicable terms and conditions. You are authorized to use this Web Site only in accordance with (a) the terms and conditions of these Terms of Use, (b) all other applicable legal notices from MetLife, (c) any applicable authorizations, agreements, and applications provided by MetLife, and, (d) all applicable laws. Such laws may include but are not limited to those relating to electronic signatures, records and transactions, privacy and confidentiality, discrimination, insurance, and the Employer Retirement Income Security Act of 1974, as amended (ERISA).

Other applicable legal notices are located on the MetLife Online web site at Legal Notices, provided, however, that if there is any conflict, the present Terms of Use are controlling for this Web Site only. Within this Web Site there may be legal notices on a web page which are intended to specifically apply to an affiliate of Metropolitan Life Insurance Company ("Affiliate Legal Notice"). In the event of any conflict with these Terms of Use, such Affiliate Legal Notice is controlling.

Benefit plan documents, insurance policies and certificates. The content of this Web Site is provided for your information and convenience. If you are covered or become covered for benefits, the terms and conditions of your coverage are determined by the applicable benefit plan documents and/or MetLife insurance policy, contract, certificate, or other MetLife documents. In the event of any conflict with the content of this Web Site, the applicable benefit plan or MetLife documents shall be controlling. You can obtain copies or instructions on how to obtain copies of those documents from MetLife or your employer.

Other channels or sources. The content and functions available on this Web Site may also be available through other channels or sources. If you want more information about this you may contact MetLife Customer Service at 1-877-9MetWeb (1-877-963-8932), or you may contact your employer or review applicable benefit plan or insurance documents.

Liability. UNDER NO CIRCUMSTANCES SHALL METLIFE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES 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, the liability of MetLife is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS 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.

Some information on Web Site not up to date. Some information on this Web Site may not be up to date. If you have questions about how current the information is or about specific information on the Web Site, please call your employer or call MetLife Customer Service at 1-877-9MetWeb (1-877-963-8932).

Metropolitan Life Insurance Company, 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.

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