Document:

Exhibit 10.3

HOWARD BANK

EXECUTIVE INCENTIVE PLAN

	
1.

	
Name and Purpose

	
(a)

	
Howard Bank hereby establishes this Howard Bank Executive Incentive Plan, as set forth herein and as it may be amended from time to time (the “Plan”).  The purpose of the Plan is to reward the achievement of annual business results in a manner that is consistent with the Company’s strategic plan, values and ongoing sustainability.

	
(b)

	
The Plan shall become effective as of February 26, 2018, and, unless otherwise determined by the Board, will apply for the entire 2018 Bonus Year.  The Plan shall remain in effect for future Bonus Years until the Board (as defined below) amends or terminates the Plan pursuant to Section 8 below.

	
2.

	
Definitions

As used in the Plan, unless the context otherwise requires, each of the following terms has the meaning set forth below:

	
(a)

	
“Award” means a bonus award to a Participant under the Plan, as determined by the Committee.

	
(b)

	
“Bonus Year” means a calendar year.

	
(c)

	
“Board” means the Board of Directors of Howard Bank.

	
(d)

	
“CEO” means the Chief Executive Officer of the Company.

	
(e)

	
“Committee” means the Compensation Committee of the Board or another committee of the Board that is delegated authority to administer the Plan.

	
(f)

	
“Company” means Howard Bank, together with its parent(s) and subsidiaries.

	
(g)

	
“Participant” means any individual who is an executive of the Company and is selected by the Committee to participate in the Plan for a Bonus Year.

	
3.

	
The Committee and Its Functions

	
(a)

	
Subject to the provisions of the Plan and applicable oversight by the Board, full power and authority to interpret and administer the Plan are vested in the Committee.  The Committee shall have the discretionary authority to act with respect to each Participant.  The Committee is authorized to conduct such consultations with officers and other executives of the Company as it shall deem necessary or appropriate in the performance of its duties and responsibilities with respect to the Plan.

	
(b)

	
Without limiting the generality of Section 3(a) above, and except as otherwise specifically provided in the Plan, the Committee shall have the exclusive authority and discretion to:

 

	
(i)

	
select which executives of the Company (including the CEO) shall be Participants in the Plan in any Bonus Year, subject to the terms of the Plan;

	
(ii)

	
determine the size of the Awards to be granted to Participants and, subject to the terms of the Plan, the timing of such grants and the payment thereof;

	
(iii)

	
determine whether and to what extent any performance metrics applicable to Awards have been met;

	
(iv)

	
interpret and administer the Plan and any instrument or agreement relating to the Plan or an Award;

	
(v)

	
establish, amend, suspend, or waive rules and regulations not inconsistent with the provisions of the Plan for the administration thereof;

	
(vi)

	
engage or employ from time to time such counsel, advisers, consultants, accountants, analysts and other persons as it may deem necessary or expedient for the performance of such functions, including engaging third parties to perform valuations;

	
(vii)

	
appoint such agents as it shall deem appropriate for the proper administration of the Plan;

	
(viii)

	
determine the rights of Participants in the event of death, disability, termination and the like; and

	
(ix)

	
make any other determination and take any other action that the Committee deems necessary or desirable for the administration of the Plan.

All designations, determinations, interpretations and other decisions by the Committee under or with respect to the Plan or any Award under the Plan shall be made in the Committee’s discretion and shall be final, conclusive, and binding upon all persons, including any employee of the Company, and any beneficiary or legatee of an employee of the Company.  No determination of the Committee shall be subject to de novo review if challenged in court.

	
(c)

	
Except as may be limited by the Board, the Committee shall have authority to delegate its authorities under the Plan to officers of the Company or other individuals.

	
(d)

	
No person acting pursuant to the authority provided herein shall be liable for any action or determination relating to or under the Plan.

	
4.

	
Eligibility

	
(a)

	
The Committee shall select each executive of the Company who shall be eligible to participate in the Plan for a Bonus Year.  The Committee may request that the CEO identify and recommend for the Committee’s approval the executives (other than the CEO) who shall be eligible to participate in the Plan for a Bonus Year.

 

	
(b)

	
Unless the Committee determines otherwise, executives who begin employment with the Company following the commencement of a Bonus Year may be selected to be eligible to participate in the Plan for such Bonus Year only if the executive’s employment with the Company began prior to October 1st of such year.

	
5.

	
Awards

	
(a)

	
A Participant may be granted an Award for a particular Bonus Year as the Committee, in accordance with the Plan, may in its discretion determine.

	
(b)

	
The Committee shall determine, in accordance with the Plan, the terms and conditions for each Award, including but not limited to the applicable performance metrics, the target payout amount, the maximum payout amount, and any other vesting or performance conditions.  Performance metrics may be based on strategic, financial or other goals, and may be measured on a company-wide or individual basis, or any other basis.

	
(c)

	
The terms and conditions of an Award may, but need not, be set forth in a written agreement signed by the Company and the Participant.

	
6.

	
Payment

	
(a)

	
Except as may be provided in a written agreement entered into between the Company and the Participant, a Participant must satisfy the following conditions in order to receive payment under an Award:

	
(i)

	
The Participant must remain continuously employed with the Company at least through the last day of the Bonus Year (or such later date as may be determined by the Committee) and must not have given notice of resignation or received a notice of termination as of such date; and

	
(ii)

	
The Participant must satisfy any performance requirements established by the Committee and must not be subject to a written Performance Improvement Plan (“PIP”) or have an unsatisfactory performance rating as of the last day of the Bonus Year (or such later date as may be determined by the Committee).

	
(b)

	
Following the end of a Bonus Year, the Committee shall determine the extent to which the performance metrics applicable to such Bonus Year have been attained, and the actual payout amount, if any, for each Award.  The Committee shall have the discretion to make appropriate adjustments to any evaluation of performance under a performance metric to eliminate the effects of extraordinary, nonrecurring or unusual items, transactions or events.

	
(c)

	
The Committee shall have the authority to adjust the actual payout amount under any Award; provided that, unless the Committee expressly determines otherwise, any reduction in the actual payout amount to one Participant shall not increase the actual payout amount to any other Participant. The Committee may, in its discretion, make no payout under all or a portion of the Awards granted for a Bonus Year.

	
(d)

	
Payment under an Award will be made in the year following the Bonus Year to which the Award relates and by March 15th of such following year. Awards under the Plan shall be paid in cash and shall be subject to applicable tax withholding.

 

	
(e)

	
If any overpayment is made under the Plan, the individual receiving the overpayment shall promptly, upon notice from the Committee, return the amount of such overpayment to the Company.  Alternatively, the Company shall have the right to offset the amount of the overpayment against further amounts payable to or on account of the person who received the overpayment, to the maximum extent permitted by law.  The foregoing remedy is not intended to be exclusive.

	
7.

	
Regulatory and Other Requirements

	
(a)

	
All obligations of the Company under this Plan will be terminated, except to the extent it is determined that continuation of the Plan is necessary for the continued operation of the Bank (i) by the Board of Directors of the Federal Deposit Insurance Corporation (or its successor) (“FDIC”, and such Board of Directors, the “FDIC Board”) or its designee, at the time the FDIC enters into an agreement to provide assistance to or on behalf of the Bank under the authority of the Federal Deposit Insurance Act; or (ii) by the FDIC Board or its designee, at the time the FDIC Board or its designee approves a supervisory merger to resolve problems relating to the operation of the Company; (iii) when the Company is determined by the FDIC Board or its designee to be in a troubled condition within the meaning of 12 C.F.R. § 303.101(c); (iv) if the Company or the Bank fails to meet minimum capital requirements; or (v) if the Company or the Bank becomes subject to final agency action that requires termination of the Plan.

	
(b)

	
If any payment hereunder is determined to violate any regulatory requirement applicable to the Company, the Company may decline to make such payment or amend the amount or timing of such payment to comply with such regulatory requirements, including the requirements of 12 U.S.C. 1828(k) and 12 C.F.R. part 359 and any regulations issued under 12 U.S.C. § 956(b) of the Dodd-Frank Act.

	
(c)

	
Awards, including any payment made pursuant thereto, may be subject to clawback or forfeiture to the extent required by (i) applicable law (including FDIC FIL 66-2010), (ii) a regulator or government agency with authority over the Company, (iii) the rules and regulations of the Nasdaq Stock Market or other applicable securities exchange, (iv) a written policy adopted by the Company, or (v) a written agreement signed by the Company and the Participant.

	
8.

	
Unfunded Plan

The Plan shall be an unfunded plan.  Benefits under the Plan shall be paid from the general assets of the Company and no Participant or other person shall have any claim to any specific assets of the Company.

	
9.

	
Termination, Suspension and Amendment

The Board may at any time and from time to time alter, amend, suspend or terminate the Plan; provided, however, that any revision or amendment that would cause the Plan to fail to comply with the requirements of any applicable law, regulation or rule (including, without limitation, the rules and regulations of the Nasdaq Stock Market or other applicable securities exchange) if such amendment were not approved by the shareholders of the Company shall not be effective unless and until such shareholder approval is obtained.

	
10.

	
No Right to Employment or Participation

	
(a)

	
No provision of the Plan, grant or payment of an Award, nor any action taken by the Committee or the Company pursuant to the Plan shall give or be construed as giving any individual any right to be retained in the employ of the Company, or affect or limit the right of the Company to terminate such employment.

	
(b)

	
No employee of the Company shall have the right to be selected to participate in the Plan.  The selection of an employee to be eligible to participate in one Bonus Year does not grant the employee a right to participate in any future Bonus Year.

	
11.

	
General Provisions

	
(a)

	
If any provision of the Plan shall be held illegal or invalid for any reason, such illegality or invalidity shall not affect the remaining provisions of the Plan, and the Plan shall be construed and enforced as if the illegal or invalid provision had not been included.

	
(b)

	
The Plan and all Awards under the Plan shall be construed in accordance with and governed by the laws of the State of Maryland (without regard to any principles of conflicts of laws that refer construction to the laws of another jurisdiction), except to the extent superseded by federal law.

	
(c)

	
Nothing in the Plan shall restrict, or shall be construed as restricting, the Committee’s or the Company’s authority to award discretionary bonuses that are separate and apart from the Plan.

	
(d)

	
It is intended that, and the Plan shall be interpreted such that, each Award is either exempt from or compliant with Section 409A of the Internal Revenue Code of 1986, as amended (“Section 409A”).  Nothing in the Plan shall, or shall be interpreted or construed to, transfer any liability for any tax (including a tax or penalty due as a result of a failure to comply with Section 409A) to the Company or to any other individual or entity, and the Company shall have no liability to a Participant, or any other party, if an Award that is intended to be exempt from or compliant with Section 409A is not so exempt or compliant.

	
(e)

	
Any payment under the Plan that is subject to Section 409A and that is contingent on a termination of employment is contingent on a “separation from service” within the meaning of Section 409A. If, upon separation from service, a Participant is a “specified employee” within the meaning of Section 409A, any payment under the Plan that is subject to Section 409A, is triggered by a separation from service and would otherwise be paid within six months after the Participation’s separation from service will instead be paid in the seventh month following the Participant’s separation from service (to the extent required by Section 409A).Exhibit

Exhibit 10.123
SEPARATION AGREEMENT, WAIVER, AND GENERAL RELEASE

This Agreement sets forth the entire agreement and understanding that has been reached relative to the discontinuance of your (Maria R. Morris) employment with MetLife Group, Inc. (“MetLife”).  It is fully agreed and understood as follows:
1.You knowingly and voluntarily release the Company (as defined below) from all claims that you might have against the Company.  Specifically, as a material inducement to MetLife to enter into this Agreement, you agree for yourself and your relatives, heirs, executors, administrators, successors, and assigns that you hereby fully and forever release and discharge MetLife, its past, present, and future parents, subsidiaries, affiliates, and agents and its part, present, and future directors, officers, employees, agents, representatives, employee benefit plans, and funds, and the fiduciaries thereof, successors, and assigns of each (collectively, “the Company”) from any and all claims, actions, liability, damages, back pay, front pay, attorneys’ fees, costs, and rights of any and every kind or nature that you ever had, now have, or may have, whether known or unknown, against the Company arising out of any act, omission, transaction, or occurrence, up to and including the date you execute this Agreement, including, but not limited to: (i) any claim arising out of or related to your employment by and affiliation with the Company or the discontinuance thereof; (ii) any claim of employment discrimination, harassment, or retaliation under, or any alleged violation of, any federal, state, or local law, rule, regulation, executive order, or ordinance, including, but not limited to, Title VII of the Civil Rights Act of 1964; the Civil Rights Act of 1991; the Americans with Disabilities Act of 1990; the Employee Retirement Income Security Act of 1974 (“ERISA”); the Family and Medical Leave Act of 1993 (“FMLA”); 42 U.S.C. sections 1981-1988; the Equal Pay Act of 1963; the Worker Adjustment and Retraining Notification (WARN) Act of 1988; the Immigration Reform and Control Act of 1986; the Uniformed Services Employment and Reemployment Rights Act of 1994; Executive Order 11,246; Section 503 of the Rehabilitation Act of 1973; the Vietnam Era Veterans’ Readjustment Assistance Act of 1974; the Sarbanes-Oxley Act of 2002; Sections 748(h)(i), 922(h)(i), and 1057 of the Dodd-Frank Wall Street and Consumer Protection Act of 2009; the False Claims Act of 1863; the Age Discrimination in Employment Act of 1967; and the Older Workers Benefit Protection Act of 1990; all as amended; (iii) any alleged violations of any duty or other employment-related obligation or other obligations arising out of contract, tort, libel or slander, defamation, public policy, law or equity, or allegations of wrongful or retaliatory discharge, or of whistleblower retaliation; (iv) any expectation, anticipation, right, or claim to incentive compensation under any Company incentive compensation plan, including, but not limited to, the MetLife Annual Variable Incentive Plan; the Performance Incentive Plan; and, except as otherwise specifically stated in this Agreement, the MetLife, Inc. 2015 Stock and Incentive Compensation Plan; the MetLife, Inc. 2005 Stock and Incentive Compensation Plan; the MetLife, Inc. 2000 Stock Incentive Plan; and the Long Term Performance Compensation Plan; (v) any claim for benefit plan accruals based upon the payments enumerated in this Agreement or compensation, whether classified as back pay, front pay, or any other compensation paid by MetLife or awarded post-termination, including, but not limited to, compensation awarded by a regulatory body, arbitration panel, or court of competent jurisdiction; and, (vi) any claim for any enhancement or differential calculation over and above the benefit vested or otherwise payable to you under the standard terms of the MetLife Options and Choices Plan, the Metropolitan Life Retirement Plan for United States Employees, the MetLife Auxiliary Pension Plan, the Savings and Investment Plan for Employees of Metropolitan Life and Participating Affiliates, the Metropolitan Life Auxiliary Savings and Investment Plan, or any other MetLife benefit plan.
To the extent that you are a director, trustee, or officer of any Company entity or affiliate, or are a member of any committee of any Company entity or affiliate, you hereby resign from such capacity effective immediately and agree to execute any additional, more specific resignation document the Company may request.  You acknowledge that, prior to your execution of this Agreement, you have been fully informed that your employment is being discontinued and that any and all claims arising from this discontinuance are included in this release.  This Agreement does not affect any rights or benefits that vested or were otherwise payable to you prior to your execution of this Agreement under any employee benefit plans governed by ERISA.  Your rights regarding any awards under the MetLife, Inc. 2015 Stock and Incentive Compensation Plan; the MetLife, Inc. 2005 Stock and Incentive Compensation Plan; or the MetLife, Inc. 2000 Stock Incentive Plan will be governed by the terms of any written award agreement into which you entered under the applicable plan.  Your rights to any ERISA plan benefits, including deferred compensation benefits, are governed exclusively by the terms of the respective plan documents that 

Page 1 of 5

SEPARATION AGREEMENT, WAIVER, AND GENERAL RELEASE

provide those benefits.  Any capitalized terms not defined in this Agreement are defined in the Summary Plan Descriptions or official plan documents of the applicable plan.
Nothing in this Agreement shall be deemed a waiver of claims for unemployment compensation benefits, worker’s compensation benefits, claims for breach of this Agreement, claims that arise after you sign this Agreement, and/or any claims or rights that cannot be waived by law.
Nothing in this Section 1 shall prohibit you from making any disclosure to or cooperating with the United States Securities and Exchange Commission (“SEC”) pursuant to Section 21F(b) of the Securities and Exchange Act of 1934, as amended, or receiving an award from the SEC in connection therewith.
2.In consideration for the release set forth in Section 1 of this Agreement and other promises and terms contained in this Agreement, MetLife agrees to pay you $1,785,000.00 less deductions, including, but not limited to, all applicable federal, state, and local tax withholding.  This amount will be taxable and reported on the Form W-2 issued for the tax year in which the payment is made.  MetLife expects to make this payment on the next available payroll date following the later of your Date of Discontinuance and the Effective Date of this Agreement, but in any event on or before March 15 of the calendar year after the earlier of (i) your Date of Discontinuance; or (ii) the date you were first offered a separation agreement in connection with this discontinuance of your employment, so long as the Effective Date has occurred by that time.  If your “separation from service” as defined under U.S. Internal Revenue Code Section 409A is different from your Date of Discontinuance, your “separation from service,” rather than your Date of Discontinuance, will be used to determine the date by which payment will be made.
You acknowledge that any payments, benefit eligibilities, and/or Eligibility Enhancements provided for herein exceed what you would otherwise be entitled to under any policy, plan, and/or procedure or any agreement with the Company, and that they represent full and complete consideration for the release you are giving the Company in this Agreement.  Further, neither this Agreement nor any payments, benefit eligibilities, and/or Eligibility Enhancements to be provided pursuant to this Section 2 in any way constitute an admission on the part of the Company as to the violation of any law or any obligation to you.
3.If your employment is not discontinued by September 30, 2017, this Agreement will automatically be null and void.
4.By executing this Agreement, you acknowledge that you have accurately reported to the Company the daily or weekly hours you worked for the Company to the extent you have been asked to do so, that the Company has paid you all the salary and wages it owes you (including any overtime compensation or incentive compensation), that you have been provided with any and all leaves of absences (including those under FMLA or other law) that you have requested and to which you were entitled, and that you have had the opportunity prior to signing this Agreement to raise to the Company any concerns or complaints about these or any other matters regarding your employment and affiliation with the Company and have done so.
5.You agree that: (i) the terms of this Agreement; (ii) any claims that were raised for could have been raised in any action as of the date you execute this Agreement; (iii) the facts underlying those claims; and, (iv) all confidential and/or proprietary matters you worked on during your employment and affiliation with the Company shall not be disclosed to any third parties by you, your agents, attorneys, or representatives, except as provided below:
		
	(a)
	Neither this Section 5 nor any other provision of this Agreement prohibit or restrict you or your attorney from providing information or testimony to, otherwise assisting or participating in an investigation or proceeding with or brought by, or filing a charge or complaint with any government agency, law enforcement or organization, legislative body, regulatory organization, or self-regulatory organization (“SRO”), including, but not limited to, the SEC, Financial Industry Regulatory Authority (“FINRA”), Commodity Futures Trading Commission (“CFTC”), Department 

Page 2 of 5

SEPARATION AGREEMENT, WAIVER, AND GENERAL RELEASE

of Justice (“DOJ”), Internal Revenue Service (“IRS”), Department of Labor (“DOL”), National Labor Relations Board (“NLRB”), and Equal Employment Opportunity Commission (“EEOC”), or as required by court order or subpoena, or as may be necessary for the prosecution of claims relating to the performance or enforcement of this Agreement, or from providing any other disclosure required by law.  However, by executing this Agreement you waive all rights to recover any compensation, damages, or other relief in connection with any such investigation, proceeding, charge, or complaint, except that you do not waive any right you may have to receive a monetary award from the SEC as a whistleblower pursuant to the bounty provision under Section 922(a)-(g) of the Dodd-Frank Wall Street and Consumer Protection Act of 2009, as amended, or directly from any other federal, state, or local agency pursuant to a similar program.  The investigations and proceedings referenced in this Section 5(a) include, but are not limited to, those relating to an alleged violation of the Sarbanes-Oxley Act of 2002, as amended; any federal, state, or local law relating to fraud; or any rule or regulation of the SEC, FINRA, CFTC, the New York Stock Exchange, or of any other regulatory organization or SRO.
		
	(b)
	You are not prohibited from disclosing this Agreement to your spouse, civil union or domestic partner, attorney, account, or tax or financial advisor, provided that such individuals are advised that they may not disclose this Agreement and have agreed to be bound by the same restrictions against disclosure that apply to you.

		
	(c)
	You are not prohibited from providing a prospective employer or broker dealer with information concerning your former job title, salary, job responsibilities, and qualifications.

The Company may disclose this Agreement, including, but not limited to, disclosure to the SEC, when required by court order or subpoena, as otherwise required by law, or otherwise as it determines in its discretion.
6.You agree to cooperate with the Company or its counsel to provide information and/or truthful testimony in connection with any matter in which the Company has an interest.  If requested, you agree to meet with a Company representative and/or the Company’s counsel to truthfully provide all knowledge and information you have pertaining to any such matter.
7.You agree that you have delivered to your manager (or other person designated by the Company) all Company property, information, documents, and other materials (including, but not limited to, keys, mobile phones, computer equipment, and identification cards), including all copies or versions, concerning the Company that are in your possession or control (“Company Material”).  Company Material does not include documents you received from an authorized representative of the Company regarding your employment or affiliation with the Company (e.g., summary plan descriptions, performance evaluations, benefits statements), any policy or product purchased from the Company, securities of the Company, or materials you are entitled by law to retain.  You represent that you have conducted a diligent search for all Company Material prior to executing this Agreement.  You represent that after delivering to your manager (or other person designated by the Company) all Company Material, you destroyed all copies or versions of Company Material.  You agree that, if you discover or receive any Company Material after signing this Agreement, you will return it to your former Company manager (or other person designated by the Company) or the U.S. Service Delivery Center, 500 Schoolhouse Road, Johnstown, PA 15904 within 48 hours of discovery or receipt.  Pursuant to Section 11 below, any Agreement to Protect Corporate Property, Form 16449, and any other agreement containing post-employment obligations that you may have executed that contain similar provisions, remain in full force and effect after the Effective Date.
8.If you are served with a subpoena, court order, or a request by a government agency, law enforcement organization, legislative body, regulatory organization, or SRO, including, but not limited to, the SEC, FINRA, CFTC, DOH, IRS, DOL, NLRB, or EEOC, or a comparable state or local agency, organization, or body, calling for the disclosure of this Agreement or any information concerning the 

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SEPARATION AGREEMENT, WAIVER, AND GENERAL RELEASE

Company, you agree to give MetLife a copy of such demand for information promptly by mailing it to MetLife’s Law Department located at 200 Park Avenue, New York, NY 10166, Att. Office of the General Counsel, unless prohibited by law.  However, you do not need prior authorization of the Company to make such a disclosure.
9.If any provision of this Agreement is held by a court of competent jurisdiction to be illegal, void, or unenforceable, such provision shall be of no force and effect and shall not impair the enforceability of any other provision of this Agreement, except that if Section 1 is held to be illegal, void, or unenforceable, whether in whole or in part, this Agreement shall be voidable by MetLife.
10.You acknowledge that MetLife has advised you in writing that you have twenty-one (21) days in which to review this Agreement and fully consider its terms and that you should consult with legal counsel prior to signing this Agreement.  You fully understand the significance of all of the terms and conditions of this Agreement.  You are signing this Agreement voluntarily and of your own free will and agree to abide by all the terms and conditions contained herein.  You may accept this Agreement by fully executing it and returning it to MetLife in accordance with the return instructions provided with this Agreement by no later than 5:00 p.m. on the twenty-first (21st) day after the date you received this Agreement.  After you have executed this Agreement, you will have seven (7) days to revoke this Agreement, which you may do in writing either by e-mail to HRSC_MPTA@metlife.com or by fax to (908) 552-2441 by 5:00 p.m. on the last day of that 7-day period.  This Agreement will become final on the eighth (8th) day following your execution of this Agreement (the “Effective Date”), provided you have not revoked it.  In the event that you do not accept this Agreement as set forth above, or in the event that you revoke this Agreement prior to its Effective Date, this Agreement, including, but not limited to, the obligation of MetLife to make any payments and/or provide any benefit eligibilities and/or Eligibility Enhancements pursuant to Section 2 (only if applicable), shall automatically be null and void.
11.You affirm that this Agreement has been executed voluntarily by you, and may not be changed except in a writing that specifically references this Agreement and that is signed by you and an officer of MetLife.  This Agreement constitutes the full understanding between us, although in the event of any inconsistency between the terms of this Agreement and the official plan document or Summary Plan Description of the MetLife Plan for Transition Assistance for Grades 14 and Above, the terms of the official plan document or Summary Plan Description shall govern, provided, however, that each of: (i) any Agreement to Protect Corporate Property, Form 16449, and any other agreement containing post-employment obligations that you may have executed; and, (ii) any written award agreement under the MetLife, Inc. 2015 Stock and Incentive Compensation Plan; the MetLife, Inc. 2005 Stock and Incentive Compensation Plan; and/or the MetLife, Inc. 2000 Stock Incentive Plan into which you entered during your employment or affiliation with the Company remain in full force and effect.  You affirm that no other promises, representations, or agreements of any kind have been made to you by any person or entity whatsoever to cause you to sign this Agreement, and that you fully understand the meaning and intent of this Agreement.
12.Except for providing information or testimony to, otherwise assisting or participating in an investigation or proceeding with or brought by, or filing a charge or complaint with any government agency, law enforcement organization, legislative body, regulatory organization, or SRO including, but not limited to, the SEC, FINRA, CFTC, DOJ, IRS, DOL, NLRB, and EEOC, or as required by subpoena or court order, or as may be necessary for the prosecution of claims relating to the performance or enforcement of this Agreement, or as otherwise required by law, you agree not to make any negative or disparaging comments about the Company.
13.New York state law governs the interpretation of this Agreement and applies to claims for breach of it regardless of conflict of laws principles, unless prohibited by law.  Any dispute arising under or in connection with this Agreement or related to any matter that is the subject of this Agreement shall be subject to the exclusive jurisdiction and venue of the state and/or federal courts located in New York, NY, unless prohibited by law.

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SEPARATION AGREEMENT, WAIVER, AND GENERAL RELEASE

14.You acknowledge and agree that the release of liability in this Agreement includes, but is not limited to, a release of liability for any rights or claims arising under the New Jersey Law Against Discrimination, the New Jersey Conscientious Employee Protection Act (also known as the whistleblower law), the New Jersey Equal Pay Law, the New Jersey Family Leave Act, the New Jersey Wage Payment Law, and the New Jersey Millville Dallas Airmotive Plant Job Loss Notification Act.

	
			
	/s/ Maria R. Morris
	 
	9/26/17

	Associate’s Signature
	 
	Date

	
			
	Maria R. Morris
	 
	 

	Associate’s Printed Name
	 
	 

	
			
	STATE OF
	New Jersey
	)

	COUNTY OF
	Morris
	)

On this 26th day of September, 2017, before me personally came Maria R. Morris, to me known and known to me to be the person described in and who executed this Separation Agreement, Waiver, and General Release, and (s)he duly acknowledged to me that (s)he executed the same.
	
	
	/s/ Carol C. Cucelli

Notary Public
Notary Public Commission Expiration Date: June 16, 2020

	
		
	By:
	/s/ Alana Simmons

	 
	OCT 04 2017

	 
	ALANA SIMMONS / CSR

	 
	Name & Title

Page 5 of 5

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