Exhibit 10.1

FIRST AMENDMENT

TO FIVE-YEAR CREDIT AGREEMENT

THIS FIRST AMENDMENT TO FIVE-YEAR CREDIT AGREEMENT (this “Amendment”) is entered
into as of November 20, 2015, among METLIFE, INC. and METLIFE FUNDING, INC.
(collectively, the “Borrowers”), and the LENDERS (hereinafter defined), and is
acknowledged by BANK OF AMERICA, N.A., as Administrative Agent (the
“Administrative Agent”) for the Lenders.

R E C I T A L S

A. The Borrowers entered into the Five-Year Credit Agreement dated as of May 30,
2014 (the “Agreement”), amending and restating the Five-Year Credit Agreement
dated as of August 12, 2011 and the Five-Year Credit Agreement dated as of
September 13, 2012, with the Lenders (the “Lenders”) party thereto, Bank of
America, N.A., as Administrative Agent, a Fronting L/C Issuer, Several L/C Agent
and a Limited Fronting Lender, JPMorgan Chase Bank, N.A., as a Fronting L/C
Issuer and a Limited Fronting Lender, and Wells Fargo Bank, National
Association, as a Fronting L/C Issuer and a Limited Fronting Lender. Unless
otherwise indicated herein, all capitalized terms used herein shall have the
meanings set forth in the Agreement and all Section and Schedule references
herein are to sections and schedules in the Agreement.

B. The Borrowers have requested that the Agreement be amended to modify the
definition of “Change in Control” and to otherwise modify the Agreement in
certain respects and the Lenders have agreed to so amend the Agreement as set
forth herein.

In consideration of the foregoing and the mutual covenants contained herein, the
Borrowers, the Lenders and the Administrative Agent agree and acknowledge as
follows:

1. Amendments.

(a) The definition of “Change in Control” set forth in Section 1.01 of the
Agreement is amended to read in its entirety as follows:

“‘Change in Control’ means the acquisition of ownership, directly or indirectly,
beneficially or of record, by any Person or group (within the meaning of the
Securities Exchange Act of 1934 and the rules of the Securities and Exchange
Commission thereunder as in effect on the Restatement Closing Date), of shares
representing more than 35% of the aggregate ordinary voting power represented by
the issued and outstanding capital stock of MetLife.”

(b) The definition of “Eurodollar Base Rate” included in the definition of
“Eurodollar Rate” set forth in Section 1.01 of the Agreement is amended to
(i) delete “and” at the end of clause (a), (ii) insert “and” at the end of
clause (b), and (iii) add a new clause (c) to read as follows:

“(c) if the Eurodollar Base Rate determined under clause (a) or clause (b) above
shall be less than zero, such rate shall be deemed zero under such clause for
purposes of this Agreement:”

 

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(c) The definition of “Loan Notice” set forth in Section 1.01 of the Agreement
is amended to read in its entirety as follows:

“‘Loan Notice’ means a notice of (a) a Borrowing, (b) a conversion of Loans from
one Type to the other, or (c) a continuation of Eurodollar Rate Loans, pursuant
to Section 2.02(a), which shall be substantially in the form of Exhibit A or
such other form as may be approved by the Administrative Agent (including any
form on an electronic platform or electronic transmission system as may be
approved by the Administrative Agent), appropriately completed and signed by a
Responsible Officer of a Borrower.”

(d) The definition of “Responsible Officer” set forth in Section 1.01 of the
Agreement is amended to read in its entirety as follows:

“‘Responsible Officer’ means the chief executive officer, president, chief
financial officer, chief accounting officer, treasurer, assistant treasurer or
controller of a Borrower, and, solely for purposes of notices given pursuant to
Article II, any other officer of a Borrower so designated by any of the
foregoing officers in a notice to the Administrative Agent or any other officer
or employee of a Borrower designated in or pursuant to an agreement between such
Borrower and Administrative Agent. Any document delivered hereunder that is
signed by a Responsible Officer of a Borrower shall be conclusively presumed to
have been authorized by all necessary corporate, partnership and other action on
the part of such Borrower and such Responsible Officer shall be conclusively
presumed to have acted on behalf of such Borrower.”

(e) Section 2.02(a) of the Agreement is amended to read in its entirety as
follows:

“(a) Each Borrowing, each conversion of Loans from one Type to the other, and
each continuation of Eurodollar Rate Loans shall be made upon a Borrower’s
irrevocable notice to the Administrative Agent, which may be given by
(A) telephone, or (B) a Loan Notice, provided that any telephone notice must be
confirmed immediately by delivery to the Administrative Agent of a Loan Notice.
Each such notice must be received by the Administrative Agent not later than
11:00 a.m. (i) three Business Days prior to the requested date of any Borrowing
of, conversion to or continuation of Eurodollar Rate Loans or of any conversion
of Eurodollar Rate Loans to Base Rate Loans, and (ii) on the requested date of
any Borrowing of Base Rate Loans. Each Borrowing of, conversion to or
continuation of Eurodollar Rate Loans shall be in a principal amount of
$10,000,000 or a whole multiple of $1,000,000 in excess thereof. Except as
provided in Section 2.03(c), each Borrowing of or conversion to Base Rate Loans
shall be in a principal amount of $5,000,000 or a whole multiple of $1,000,000
in excess thereof. Each Loan Notice shall specify (i) which Borrower is
borrowing the Borrowing, (ii) whether a Borrower is requesting a Borrowing, a
conversion of Loans from one Type to the other, or a continuation of Eurodollar
Rate Loans, (iii) the requested date of the Borrowing, conversion or
continuation, as the case may be (which shall be a

 

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Business Day), (iv) the principal amount of Loans to be borrowed, converted or
continued, (v) the Type of Loans to be borrowed or to which existing Loans are
to be converted, and (vi) if applicable, the duration of the Interest Period
with respect thereto. If a Borrower fails to specify a Type of Loan in a Loan
Notice or if a Borrower fails to give a timely notice requesting a conversion or
continuation, then the applicable Loans shall be made as, or converted to, Base
Rate Loans. Any such automatic conversion to Base Rate Loans shall be effective
as of the last day of the Interest Period then in effect with respect to the
applicable Eurodollar Rate Loans. If a Borrower requests a Borrowing of,
conversion to or continuation of Eurodollar Rate Loans in any such Loan Notice,
but fails to specify an Interest Period, it will be deemed to have specified an
Interest Period of one month.

(f) Article X of the Agreement is amended to add a new Section 10.22 at the end
of such Article to read as follows:

“10.22 Electronic Execution of Assignments and Certain Other Documents. The
words “execution,” “execute”, “signed,” “signature,” and words of like import in
or related to any document to be signed in connection with this Agreement and
the transactions contemplated hereby (including without limitation Assignment
and Assumptions, amendments or Loan Notices, waivers and consents) shall be
deemed to include electronic signatures, or the keeping of records in electronic
form, each of which shall be of the same legal effect, validity or
enforceability as a manually executed signature or the use of a paper-based
recordkeeping system, as the case may be, to the extent and as provided for in
any applicable law, including the Federal Electronic Signatures in Global and
National Commerce Act, the New York State Electronic Signatures and Records Act,
or any other similar state laws based on the Uniform Electronic Transactions
Act; provided that notwithstanding anything contained herein to the contrary the
Administrative Agent is under no obligation to agree to accept electronic
signatures in any form or in any format unless expressly agreed to by the
Administrative Agent pursuant to procedures approved by it.”

2. Representations. As a material inducement to the Lenders and the
Administrative Agent to execute and deliver this Amendment, each Borrower
represents and warrants to the Lenders and the Administrative Agent that, on and
as of the date hereof:

(a) such Borrower has all requisite corporate authority and power to execute,
deliver, and perform its obligations under this Amendment, which execution,
delivery, and performance (i) have been duly authorized by all necessary
corporate action, (ii) require no approvals from any Governmental Authority that
have not been obtained and are not in full force and effect, (iii) do not
violate its certificate of incorporation or its bylaws, (iv) do not violate any
applicable law, and (v) do not violate or result in a default under any
indenture, agreement or other instrument binding on it or its assets, except, in
the case of clauses (iv) and (v) above, to the extent that such violation or
default, individually or in the aggregate, would not reasonably be expected to
result in a Material Adverse Change;

(b) upon its execution and delivery by the Borrowers, the Administrative Agent,
and the Required Lenders, this Amendment will constitute legal and binding
obligation of such Borrower, enforceable against such Borrower in accordance
with this Amendment’s terms, except as that enforceability may be limited by
general principles of equity or by bankruptcy or insolvency laws or similar laws
affecting creditors’ rights generally;

 

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(c) no Default or Event of Default has occurred and is continuing; and

(d) the representations and warranties of such Borrower set forth in the
Agreement are true and correct; provided, however, that each reference in
Section 4.04 to “December 31, 2013” shall be for purposes of this clause
(d) deemed to be a reference to “December 31, 2014” and Schedule 4.06 shall be
deemed to read in its entirety as “Please see (1) Item 3 in the Form 10-K of
MetLife, Inc. for the fiscal year ended December 31, 2014 and (2) Part 2, Item 1
in the Form 10-Qs of MetLife, Inc. for the fiscal quarters ended March 31,
2015, June 30, 2015 and September 30, 2015, each filed with the Securities and
Exchange Commission at www.sec.gov.”

3. Conditions Precedent to Effectiveness. This Amendment shall not become
effective unless and until:

(a) the Administrative Agent receives the following:

(i) counterparts of this Amendment executed by the Borrowers, the Required
Lenders and the Administrative Agent;

(ii) any other documents, instrument, certificates, evidences and legal opinions
as it may reasonably request in connection herewith; and

(iii) payment of all reasonable expenses, including reasonable legal fees and
expenses of counsel to the Administrative Agent, incurred by the Administrative
Agent in connection with this Amendment, to the extent invoiced to the Borrower
on or prior to the date hereof; and

(b) the representations and warranties set forth in Section 2 of this Amendment
are true and correct.

4. FATCA. For purposes of determining withholding Taxes imposed under the
Foreign Account Tax Compliance Act (FATCA), from and after the effective date of
this Amendment, the Borrowers and the Administrative Agent shall treat (and the
Lenders hereby authorize the Administrative Agent to treat) the Agreement as not
qualifying as a “grandfathered obligation” within the meaning of Treasury
Regulation Section 1.1471-2(b)(2)(i).

5. Expenses. The Borrowers shall pay all reasonable costs, fees, and expenses
paid or incurred by the Administrative Agent incident to this Amendment,
including, without limitation, the reasonable fees and expenses of the
Administrative Agent’s counsel in connection with the negotiation, preparation,
delivery, and execution of this Amendment and any related documents.

6. Miscellaneous. Unless stated otherwise herein, (a) the singular number
includes the plural and vice versa and words of any gender include each other
gender, in each case, as appropriate, (b) headings and captions shall not be
construed in interpreting provisions of this Amendment, (c) this Amendment shall
be governed by and construed in accordance with the laws of the State of New
York, (d) if any part of this Amendment is for any reason found to be
unenforceable, all other portions of it shall nevertheless remain enforceable,
(e) this Amendment may be executed in any number of counterparts with the same
effect as if all signatories had signed the same document, and all of those
counterparts shall be construed together to constitute the same document,
(f) delivery of an executed counterpart of a signature page to this Amendment by
telecopier, by electronic mail or by other electronic imaging shall be effective
as delivery of a manually executed counterpart of this Amendment, (g) this
Amendment, the Agreement, as amended by this Amendment, and the other Loan
Documents constitute the entire agreement and understanding among the parties
hereto and supersede any and all prior agreements and understandings,

 

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oral or written, relating to the subject matter hereof, (h) except as provided
in this Amendment, the Agreement, the Notes, and the other Loan Documents are
unchanged and are ratified and confirmed; and (i) except as provided in this
Amendment, the execution, delivery and effectiveness of this Amendment shall not
operate as a waiver of any right, power or remedy of any Lender or the
Administrative Agent under any of the Loan Documents, nor constitute a waiver of
any provision of any of the Loan Documents.

7. Parties. This Amendment is a Loan Document. This Amendment binds and inures
to the benefit of the Borrowers, the Administrative Agent, the Lenders and their
respective successors and assigns, subject to Section 10.07 of the Agreement.

The parties hereto have executed this Amendment in multiple counterparts as of
the date first above written.

[REMAINDER OF PAGE INTENTIONALLY BLANK.

SIGNATURE PAGES FOLLOW.]

 

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

METLIFE, INC. By:  

/s/ Marlene B. Debel

Name:   Marlene B. Debel Title:   Executive Vice President and Treasurer

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

METLIFE FUNDING, INC. By:  

/s/ Marlene B. Debel

Name:   Marlene B. Debel Title:   Chairman, President and Treasurer

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

BANK OF AMERICA, N.A., as Administrative Agent, a Fronting L/C Issuer, Several
L/C Agent, a Limited Fronting Lender and a Lender By:  

/s/ Chris Choi

Name:   Chris Choi Title:   Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

JPMORGAN CHASE BANK, N.A., as a Fronting L/C Issuer, a Limited Fronting Lender
and a Lender By:  

/s/ Richard Barracato

Name:   Richard Barracato Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

WELLS FARGO BANK, NATIONAL ASSOCIATION, as a Fronting L/C Issuer, a Limited
Fronting Lender and a Lender By:  

/s/ Karen Hanke

Name:   Karen Hanke Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED, as a Lender By:  

/s/ Robert Grillo

Name:   Robert Grillo Title:   Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

THE BANK OF NEW YORK MELLON, as a Lender By:  

/s/ Adim Offurum

Name:   Adim Offurum Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

THE BANK OF NOVA SCOTIA, as a Lender By:  

/s/ Kevin Chan

Name:   Kevin Chan Title:   Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

THE BANK OF TOKYO-MITSUBISHI UFJ, LTD., as a Lender By:  

/s/ Oscar Cortez

Name:   O. Cortez Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

BARCLAYS BANK PLC, as a Lender By:  

/s/ Vanessa Kurbatskiy

Name:   Vanessa Kurbatskiy Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

BNP PARIBAS, as a Lender By:  

/s/ Nair P. Raghu

Name:   Nair P. Raghu Title:   Vice President By:  

/s/ Phil Truesdale

Name:  

Phil Truesdale

Title:  

Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

CITIBANK, N.A., as a Lender By:  

/s/ Peter Bickford

Name:   Peter Bickford Title:   Vice President and Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

COMMERZBANK AG NEW YORK AND GRAND CAYMAN BRANCHES, as a Lender By:  

/s/ Michael McCarthy

Name:   Michael McCarthy Title:   Managing Director By:  

/s/ Barry Feigenbaum

Name:   Barry Feigenbaum Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

CREDIT AGRICOLE CORPORATE & INVESTMENT BANK, as a Lender By:  

/s/ Gordon Yip

Name:   Gordon Yip Title:   Director By:  

/s/ Jaime Frontera

Name:   Jaime Frontera Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

CREDIT SUISSE AG, NEW YORK BRANCH, as a Lender By:  

/s/ Doreen Barr

Name:   Doreen Barr Title:   Authorized Signatory By:  

/s/ William O’Daly

Name:   William O’Daly Title:   Authorized Signatory

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

DEUTSCHE BANK AG NEW YORK BRANCH, as a Lender By:  

/s/ Virginia Cosenza

Name:   Virginia Cosenza Title:   Vice President By:  

/s/ Ming K. Chu

Name:   Ming K. Chu Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

GOLDMAN SACHS BANK USA, as a Lender By:  

/s/ Jerry Li

Name:   Jerry Li Title:   Authorized Signatory

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

HSBC BANK USA, NATIONAL ASSOCIATION, as a Lender By:  

/s/ Jody Feldman

Name:   Jody Feldman Title:   Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

ING BANK N.V., as a Lender By:  

/s/ M E R Sharman

Name:   M E R Sharman Title:   Managing Director By:  

/s/ M D Riordan

Name:   M D Riordan Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

LLOYDS BANK PLC, as a Lender By:  

/s/ Erin Doherty

Name:   Erin Doherty Title:   Assistant Vice President D006 By:  

/s/ Daven Popat

Name:   Daven Popat Title:   Senior Vice President P003

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

 

MIZUHO BANK, LTD., as a Lender By:  

/s/ David Lim

Name:   David Lim Title:   Authorized Signatory

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

MORGAN STANLEY BANK, N.A., as a Lender By:  

/s/ Sharon Bazbaz

Name:   Sharon Bazbaz Title:   Authorized Signatory

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

NATIONAL AUSTRALIA BANK LTD., as a Lender By:  

/s/ Helen Hsu

Name:   Helen Hsu Title:   Director – Funds & Insurance

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

NORDEA BANK FINLAND PLC NEW YORK AND CAYMAN ISLAND BRANCHES, as a Lender By:  

/s/ Rolf Risam

Name:   Rolf Risam Title:   Senior Vice President By:  

/s/ Lars Christian Eriksen

Name:   Lars Christian Eriksen Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

THE NORTHERN TRUST COMPANY, as a Lender By:  

/s/ Joshua Metcalf

Name:   Joshua Metcalf Title:   2VP

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

THE ROYAL BANK OF SCOTLAND PLC, as a Lender By:  

/s/ Joseph A. Conte

Name:   Joseph A. Conte, CFA Title:   Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

SANTANDER BANK, N.A., as a Lender By:  

/s/ William Maag

Name:   William Maag Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

SOCIÉTÉ GÉNÉRALE, as a Lender By:  

/s/ William Aishton

Name:   William Aishton Title:   Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

STANDARD CHARTERED BANK, as a Lender By:  

/s/ Pramita Saha

Name:   Pramita Saha Title:   Executive Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

STATE STREET BANK AND TRUST COMPANY, as a Lender By:  

/s/ Deirdre M. Holland

Name:   Deirdre M. Holland Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

SUMITOMO MITSUI BANKING CORPORATION, as a Lender By:  

/s/ Alan Krouk

Name:   Alan Krouk Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

U.S. BANK NATIONAL ASSOCIATION, as a Lender By:  

/s/ Evan Glass

Name:   Evan Glass Title:   Senior Vice President

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

UBS AG, STAMFORD BRANCH, as a Lender By:  

/s/ Darlene Arias

Name:   Darlene Arias Title:   Director By:  

/s/ Craig Pearson

Name:   Craig Pearson Title:   Associate Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement

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Signature Page to that certain First Amendment to Five-Year Credit Agreement
dated as of the date first above written, among MetLife, Inc., MetLife Funding,
Inc., the Lenders party thereto, and Bank of America, N.A., as Administrative
Agent.

 

UNICREDIT BANK AG, NEW YORK BRANCH, as a Lender By:  

/s/ Michael A. Imperiale

Name:   Michael A. Imperiale Title:   Director By:  

/s/ Jorge Wilmer

Name:   Jorge Wilmer Title:   Managing Director

 

Signature Page to

First Amendment to Five-Year Credit Agreement