Document:

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                                                                     Exhibit 4.5

                            CERTIFICATE OF AMENDMENT
                                       TO
                              CERTIFICATE OF TRUST
                                       OF
                            METLIFE CAPITAL TRUST II

            THIS Certificate of Amendment to Certificate of Trust of MetLife
Capital Trust II (the "Trust"), is being duly executed and filed by the
undersigned trustee to amend the Certificate of Trust of the Trust, dated May
17, 2001 (the "Certificate of Trust"), pursuant to the Delaware Statutory Trust
Act (12 Del. C. Section 3801, et seq.)(the "Act").

            1. Name. The name of the statutory trust is MetLife Capital Trust
II.

            2. Amendment to Certificate of Trust. The Certificate of Trust is
hereby amended by amending and restated Section 2 thereof in its entirety as
follows:

            "2. Delaware Trustee. The name and business address of the trustee
of the Trust with a principal place of business in the State of Delaware is:

                             Chase Manhattan Bank USA, National Association
                             500 Stanton Christiana Road
                             OPS4 / 3rd Floor
                             Newark, Delaware 19713
                             Attn:  Institutional Trust Services"

            3. Effective Date. This Certificate of Amendment shall be effective
upon filing.

            IN WITNESS WHEREOF, the undersigned trustee of the Trust has
executed this Certificate of Amendment in accordance with Section 3811(a)(2) of
the Act.

                                     CHASE MANHATTAN BANK USA,
                                     NATIONAL ASSOCIATION,
                                     not in its individual capacity
                                     but solely as trustee

                                     By: /s/ John J. Cashin
                                         ------------------------------
                                          Name: John J. Cashin
                                          Title: Vice-President<PAGE>
                                                                     Exhibit 4.6

                            CERTIFICATE OF AMENDMENT
                                       TO
                              CERTIFICATE OF TRUST
                                       OF
                            METLIFE CAPITAL TRUST III

            THIS Certificate of Amendment to Certificate of Trust of MetLife
Capital Trust III (the "Trust"), is being duly executed and filed by the
undersigned trustee to amend the Certificate of Trust of the Trust, dated May
17, 2001 (the "Certificate of Trust"), pursuant to the Delaware Statutory Trust
Act (12 Del. C. Section 3801, et seq.)(the "Act").

            1. Name. The name of the statutory trust is MetLife Capital Trust
III.

            2. Amendment to Certificate of Trust. The Certificate of Trust is
hereby amended by amending and restated Section 2 thereof in its entirety as
follows:

            "2. Delaware Trustee. The name and business address of the trustee
of the Trust with a principal place of business in the State of Delaware is:

                             Chase Manhattan Bank USA, National Association
                             500 Stanton Christiana Road
                             OPS4 / 3rd Floor
                             Newark, Delaware 19713
                             Attn:  Institutional Trust Services"

            3. Effective Date. This Certificate of Amendment shall be effective
upon filing.

            IN WITNESS WHEREOF, the undersigned trustee of the Trust has
executed this Certificate of Amendment in accordance with Section 3811(a)(2) of
the Act.

                                     CHASE MANHATTAN BANK USA, NATIONAL
                                     ASSOCIATION,
                                     not in its individual capacity but
                                     solely as trustee

                                     By: /s/ John J. Cashin
                                         --------------------------------------
                                          Name: John J. Cashin
                                          Title: Vice-President<PAGE>
                                                                     Exhibit 4.9

                       REMOVAL AND APPOINTMENT OF TRUSTEES
                                       OF
                            METLIFE CAPITAL TRUST II

            This Removal and Appointment of Trustees of MetLife Capital Trust II
(the "Trust") is made as of January 16, 2004 (this "Appointment"), by MetLife,
Inc., a Delaware corporation, as sponsor (the "Sponsor"), and agreed and
accepted by J.P. Morgan Trust Company, National Association ("JPMTC"), as
successor property trustee of the Trust, and Chase Manhattan Bank USA, National
Association ("Chase Delaware"), as successor Delaware trustee of the Trust.
JPMTC and Chase Delaware are hereinafter jointly referred to as the "Chase
Trustees."

            WHEREAS, the Trust was created under the Delaware Statutory Trust
Act (f/k/a the Delaware Business Trust Act) pursuant to the filing of a
Certificate of Trust of the Trust in the office of the Secretary of State of the
State of Delaware on May 17, 2001, and by the entering into of a Declaration of
Trust of the Trust, dated as of May 17, 2001 (the "Declaration");

            WHEREAS, Bank One Trust Company, N.A. has transferred and assigned
its corporate trust business to JPMTC;

            WHEREAS, the Sponsor desires to confirm that JPMTC is the successor
property trustee of the Trust by expressly removing Bank One Trust Company, N.A.
as the property trustee of the Trust and appointing JPMTC as the successor
property trustee of the Trust;

            WHEREAS, Bank One Delaware, Inc. has transferred and assigned its
Delaware trust business to Chase Delaware;

            WHEREAS, the Sponsor desires to confirm that Chase Delaware is the
successor Delaware trustee of the Trust by expressly removing Bank One Delaware,
Inc., as the Delaware trustee of the Trust, and appointing Chase Delaware as
the successor Delaware trustee of the Trust; and

            WHEREAS, the Chase Trustees desire to become successor trustees of
the Trust and, immediately following such appointment, the Bank One Trust
Company, N.A. and Bank One Delaware, Inc. (jointly, the "Bank One Trustees")
shall be deemed removed as trustees of the Trust.

            NOW, THEREFORE, in consideration of the mutual promises and
obligations contained herein, the parties hereto, intending to be legally bound,
hereby agree as follows:

            1. Pursuant to Section 6 of the Declaration, the Sponsor hereby
appoints JPMTC as a successor property trustee of the Trust and Chase Delaware
as a successor Delaware trustee of the Trust. The Chase Trustees hereby accept
such appointments and agree to be successor trustees of the Trust pursuant to
the Declaration.

            2. Immediately following the appointment by the Sponsor of the Chase
Trustees as successor trustees of the Trust pursuant to Section 1 hereof, the
Sponsor hereby removes the Bank One Trustees from the Trust as trustees of the
Trust. The Bank One Trustees'

                                       1
<PAGE>
removal shall be deemed effective immediately following the appointment by the
Sponsor of the Chase Trustees as successor trustees of the Trust pursuant to
Section 1 hereof.

            3. All references in the Declaration to the term "Delaware Trustee"
are deemed to refer to Chase Delaware as Delaware trustee of the Trust. All
references in the Declaration to the term "Property Trustee" are deemed to refer
to JPMTC as property trustee of the Trust. All references in the Declaration to
the term "Trustees" are deemed to include a reference to the Chase Trustees as
trustees of the Trust.

            4. This Appointment may be executed in one or more counterparts.

            5. Except to the extent that it is expressly modified by this
Appointment, the Declaration shall continue in full force and effect.

            6. This Appointment shall be governed by, and construed in
accordance with, the laws of the State of Delaware (without regard to conflict
of laws principles).

                            [signature page follows]

                                       2
<PAGE>
            IN WITNESS WHEREOF, the parties hereto have caused this Appointment
to be duly executed as of the date and year first above written.

                                          METLIFE, INC., as Sponsor

                                          By: /s/ Anthony J. Williamson
                                              ------------------------------
                                                Name: Anthony J. Williamson
                                                Title: Senior Vice-President
                                                        and Treasurer

Agreed and Accepted by:

CHASE MANHATTAN BANK USA,
    NATIONAL ASSOCIATION

By: /s/ John J. Cashin
    ------------------------------
    Name: John J. Cashin
    Title: Vice-President

J.P. MORGAN TRUST COMPANY,
    NATIONAL ASSOCIATION

By: /s/ J. Michael Banas
    ------------------------------
    Name: J. Michael Banas
    Title: Vice-President

                                       3<PAGE>
                                                                    Exhibit 4.10

                       REMOVAL AND APPOINTMENT OF TRUSTEES
                                       OF
                            METLIFE CAPITAL TRUST III

            This Removal and Appointment of Trustees of MetLife Capital Trust
III (the "Trust") is made as of January 16, 2004 (this "Appointment"), by
MetLife, Inc., a Delaware corporation, as sponsor (the "Sponsor"), and agreed
and accepted by J.P. Morgan Trust Company, National Association ("JPMTC"), as
successor property trustee of the Trust, and Chase Manhattan Bank USA, National
Association ("Chase Delaware"), as successor Delaware trustee of the Trust.
JPMTC and Chase Delaware are hereinafter jointly referred to as the "Chase
Trustees."

            WHEREAS, the Trust was created under the Delaware Statutory Trust
Act (f/k/a the Delaware Business Trust Act) pursuant to the filing of a
Certificate of Trust of the Trust in the office of the Secretary of State of the
State of Delaware on May 17, 2001, and by the entering into of a Declaration of
Trust of the Trust, dated as of May 17, 2001 (the "Declaration");

            WHEREAS, Bank One Trust Company, N.A. has transferred and assigned
its corporate trust business to JPMTC;

            WHEREAS, the Sponsor desires to confirm that JPMTC is the successor
property trustee of the Trust by expressly removing Bank One Trust Company, N.A.
as the property trustee of the Trust and appointing JPMTC as the successor
property trustee of the Trust

            WHEREAS, Bank One Delaware, Inc. has transferred and assigned its
Delaware trust business to Chase Delaware;

            WHEREAS, the Sponsor desires to confirm that Chase Delaware is the
successor Delaware trustee of the Trust by expressly removing Bank One Delaware,
Inc., as the Delaware trustee of the Trust, and appointing Chase Delaware as
the successor Delaware trustee of the Trust; and

            WHEREAS, the Chase Trustees desire to become successor
trustees of the Trust and, immediately following such appointment, the
Bank One Trust Company, N.A. and Bank One Delaware, Inc. (jointly, the
"Bank One Trustees") shall be deemed removed as trustees of the Trust.

            NOW, THEREFORE, in consideration of the mutual promises and
obligations contained herein, the parties hereto, intending to be legally bound,
hereby agree as follows:

            1. Pursuant to Section 6 of the Declaration, the Sponsor hereby
appoints JPMTC as a successor property trustee of the Trust and Chase Delaware
as a successor Delaware trustee of the Trust. The Chase Trustees hereby accept
such appointments and agree to be successor trustees of the Trust pursuant to
the Declaration.

            2. Immediately following the appointment by the Sponsor of the Chase
Trustees as successor trustees of the Trust pursuant to Section 1 hereof, the
Sponsor hereby removes the Bank One Trustees from the Trust as trustees of the
Trust. The Bank One Trustees'

                                       1
<PAGE>
removal shall be deemed effective immediately following the appointment by the
Sponsor of the Chase Trustees as successor trustees of the Trust pursuant to
Section 1 hereof.

            3. All references in the Declaration to the term "Delaware Trustee"
are deemed to refer to Chase Delaware as Delaware trustee of the Trust. All
references in the Declaration to the term "Property Trustee" are deemed to refer
to JPMTC as property trustee of the Trust. All references in the Declaration to
the term "Trustees" are deemed to include a reference to the Chase Trustees as
trustees of the Trust.

            4. This Appointment may be executed in one or more counterparts.

            5. Except to the extent that it is expressly modified by this
Appointment, the Declaration shall continue in full force and effect.

            6. This Appointment shall be governed by, and construed in
accordance with, the laws of the State of Delaware (without regard to conflict
of laws principles).

                          [signature page follows]

                                       2
<PAGE>
            IN WITNESS WHEREOF, the parties hereto have caused this Appointment
to be duly executed as of the date and year first above written.

                                          METLIFE, INC., as Sponsor

                                          By:   /s/ Anthony J. Williamson
                                                ------------------------------
                                                Name:  Anthony J. Williamson
                                                Title: Senior Vice-President
                                                       and Treasurer

Agreed and Accepted by:

CHASE MANHATTAN BANK USA,
    NATIONAL ASSOCIATION

By:   /s/ John J. Cashin
      ------------------------------
      Name:  John J. Cashin
      Title: Vice-President

J.P. MORGAN TRUST COMPANY,
    NATIONAL ASSOCIATION

By:   /s/ J. Michael Banas
      ------------------------------
      Name:  J. Michael Banas
      Title: Vice President

                                       3

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