Document:

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                            INVESTOR RIGHTS AGREEMENT

                                  by and among

                                 Citigroup Inc.,

                                  MetLife, Inc.

                                       and

                     Citigroup Insurance Holding Corporation

                               -------------------

                            Dated as of July 1, 2005

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                                Table of Contents
<TABLE>
<S>                                                                           <C>
1.     Certain Definitions.............................................        1

2.     Shelf Registration Statements...................................        4

3.     Additional Demand Registrations.................................        5

4.     Piggyback Registrations.........................................        7

5.     Selection of Underwriters.......................................        8

6.     Holdback Agreements.............................................        8

7.     Procedures......................................................        8

8.     Registration Expenses...........................................       13

9.     Indemnification.................................................       14

10.    Rule 144........................................................       15

11.    Transfer of Registration Rights.................................       16

12.    Conversion of Other Securities..................................       16

13.    Transfer of Common Stock........................................       16

14.    Lock-Up of the Stockholder......................................       17

15.    Standstill......................................................       17

16.    Miscellaneous...................................................       18
</TABLE>
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         INVESTOR RIGHTS AGREEMENT dated as of July 1, 2005, by and among
MetLife, Inc., a Delaware corporation (the "Company"), and Citigroup Inc., a
Delaware corporation (the "Stockholder") and Citigroup Insurance Holding
Corporation, a Delaware corporation.

         In consideration of the mutual covenants and agreements herein
contained and other good and valid consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties to this Agreement hereby agree as
follows:

         1.       CERTAIN DEFINITIONS.

         In addition to the terms defined elsewhere in this Agreement, the
following terms shall have the following meanings:

         "Affiliate" of any Person means any other Person that directly, or
indirectly through one or more intermediaries, controls, or is controlled by, or
is under common control with, such Person. The term "control" (including the
terms "controlling," "controlled by" and "under common control with") as used
with respect to any Person means the possession, direct or indirect, of the
power to direct or cause the direction of the management and policies of such
Person, whether through the ownership of voting securities, by contract or
otherwise.

         "Acquisition Agreement" means the Acquisition Agreement, dated January
31, 2005, between the Company and the Stockholder, as may be amended from time
to time.

         "Agreed Cooperation" means, in connection with any underwritten
offering, where, in addition to the cooperation otherwise required by this
Agreement, members of senior management of the Company (which members of
management shall include the Company's chief executive officer and chief
financial officer in the case of the Selected Offering) cooperate with the
underwriter(s) in connection therewith and make themselves available to
participate on a reasonable basis in "road-show" and other customary marketing
activities in such locations (domestic and foreign) as recommended by the
underwriter(s) (including one-on-one meetings with prospective purchasers of the
Registrable Common Stock).

         "Agreement" means this Investor Rights Agreement, including all
amendments, modifications and supplements and any exhibits or schedules to any
of the foregoing, and shall refer to this Investor Rights Agreement as the same
may be in effect at the time such reference becomes operative.

         "Blackout Period" has the meaning set forth in Section 7(e) hereof.

         "Board of Directors" means the board of directors of the Company.
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         "Business Day" means any day, except a Saturday, Sunday or legal
holiday on which banking institutions in The City of New York are authorized or
obligated by law or executive order to close.

         "Closing Date" has the meaning set forth in the Acquisition Agreement.

         "Common Stock" means common stock, par value $.01 per share, of the
Company.

         "Company" has the meaning set forth in the introductory paragraph.

         "Competitor of the Company" means a company primarily engaged in
providing life insurance and annuities in the United States.

         "Delay Period" has the meaning set forth in Section 3(d) hereof.

         "Demand Registration" has the meaning set forth in Section 3(a) hereof.

         "Demand Registration Statement" has the meaning set forth in Section
3(a) hereof.

         "Exchange Act" means the Securities Exchange Act of 1934, as amended.

         "Fully Marketed Underwritten Offering" means an underwritten offering
in which there is Agreed Cooperation.

         "Governmental Entity" means any national, federal, state, municipal,
local, territorial, foreign or other government or any department, commission,
board, bureau, agency, regulatory authority or instrumentality thereof, or any
court, judicial, administrative or arbitral body or public or private tribunal.

         "Nasdaq" means the Nasdaq quotation system, or any successor reporting
system.

         "Nominal Stock Consideration Amount" has the meaning set forth in the
Acquisition Agreement.

         "NYSE" means the New York Stock Exchange, Inc.

         "Person" means any individual, sole proprietorship, partnership,
limited liability company, joint venture, trust, unincorporated organization,
association, corporation, institution, public benefit corporation, Governmental
Entity or any other entity.

         "Piggyback Registration" has the meaning set forth in Section 4(a)
hereof.

         "Piggyback Registration Statement" has the meaning set forth in Section
4(a) hereof.

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         "Prospectus" means the prospectus or prospectuses included in any
Registration Statement, as amended or supplemented by any prospectus supplement
with respect to the terms of the offering of any portion of the Registrable
Common Stock covered by such Registration Statement and by all other amendments
and supplements to the prospectus, including post-effective amendments and all
material incorporated by reference in such prospectus or prospectuses.

         "Purchaser Convertible Preferred Stock" has the meaning set forth in
the Acquisition Agreement.

         "Registrable Common Stock" means (i) any shares of Common Stock issued
as Stock Consideration, (ii) all shares of Common Stock issued or issuable upon
conversion of the Purchaser Convertible Preferred Stock and (iii) any other
security into or for which the Common Stock referred to in clause (i) or (ii)
has been converted, substituted or exchanged, and any security issued or
issuable with respect thereto upon any stock dividend or stock split or in
connection with a combination of shares, reclassification, recapitalization,
merger, consolidation or other reorganization or otherwise.

         "Registration Expenses" has the meaning set forth in Section 8(a)
hereof.

         "Registration Statement" means any registration statement of the
Company that covers any of the Registrable Common Stock pursuant to the
provisions of this Agreement, including the Prospectus, amendments and
supplements to such Registration Statement, including post-effective amendments,
all exhibits and all materials incorporated by reference in such Registration
Statement.

         "Rule 144" means Rule 144 promulgated by the SEC pursuant to the
Securities Act, as such rule may be amended from time to time, or any similar
rule or regulation hereafter adopted by the SEC as a replacement thereto having
substantially the same effect as such rule.

         "Rule 415" means Rule 415 promulgated by the SEC pursuant to the
Securities Act, as such rule may be amended from time to time, or any similar
rule or regulation hereafter adopted by the SEC as a replacement thereto having
substantially the same effect as such rule.

         "SEC" means the Securities and Exchange Commission.

         "Securities Act" means the Securities Act of 1933, as amended.

         "Selected Offering" means one underwritten offering where, reasonably
in advance of the commencement of the road show for such offering, the
Stockholder provides a written notice to the Company to the effect that the
Stockholder requests that the Company's chief executive officer and chief
financial officer participate in such road show.

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         "Shelf Registration Statement" has the meaning set forth in Section
2(a) hereof.

         "Stock Consideration" means the shares of Common Stock issued to the
Stockholder pursuant to the Acquisition Agreement.

         "Stockholder" has the meaning set forth in the introductory paragraph.

         "Suspension Notice" has the meaning set forth in Section 7(e) hereof.

         "underwritten registration or underwritten offering" means a
registration in which securities of the Company are sold to one or more
underwriters (as defined in Section 2(a)(ii) of the Securities Act) for resale
to the public.

         2.       SHELF REGISTRATION STATEMENTS.

         (a) Right to Request Registration. At the request of the Stockholder,
the Company shall use its best efforts to promptly file a registration statement
on Form S-3 or such other form under the Securities Act then available to the
Company providing for the resale pursuant to Rule 415 from time to time by the
Stockholder of such number of shares of Registrable Common Stock requested by
the Stockholder to be registered thereby (including the Prospectus, amendments
and supplements to the shelf registration statement or Prospectus, including
pre- and post-effective amendments, all exhibits thereto and all material
incorporated by reference or deemed to be incorporated by reference, if any, in
such shelf registration statement, the "Shelf Registration Statement"). The
Company shall use its best efforts to cause the Shelf Registration Statement to
be declared effective by the SEC as promptly as practicable following such
filing. The Company shall not be required to maintain the effectiveness of the
Shelf Registration Statement for a period of more than 18 months in the
aggregate plus the duration of any Blackout Period. The plan of distribution in
the Shelf Registration Statement shall be determined by the Stockholder and
shall contemplate the possibility of underwritten offerings.

         (b) Number of Fully Marketed Underwritten Offerings. The Stockholder
shall be entitled to request an aggregate of two (2) Fully Marketed Underwritten
Offerings pursuant to the Shelf Registration Statement if the Nominal Stock
Consideration Amount is $1 billion or less, three (3) Fully Marketed
Underwritten Offerings pursuant to the Shelf Registration Statement if the
Nominal Stock Consideration Amount is more than $1 billion but less than $2
billion and four (4) Fully Marketed Underwritten Offerings pursuant to the Shelf
Registration Statement if the Nominal Stock Consideration Amount is $2 billion
or more; provided, however, that the Stockholder shall be entitled to request no
more than two (2) underwritten offerings pursuant to the Shelf Registration
Statement in any 12 month period that require involvement by management of the
Company in road-show or similar marketing activities. If the Stockholder
requests a Fully Marketed Underwritten Offering, the Company shall (a) cause
there to occur Agreed Cooperation in connection therewith and (b) if requested
by the underwriter(s), prepare preliminary and

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final prospectus supplements for use in connection therewith containing such
additional information as reasonably requested by the underwriter(s) (in
addition to the minimum amount of information required by law, rule or
regulation). An underwritten offering shall not count as one of the permitted
Fully Marketed Underwritten Offerings if there is not Agreed Cooperation in
connection therewith. Except as provided in this Section 2(b), there shall be no
limitation on the number of takedowns off the Shelf Registration Statement.

         3.       ADDITIONAL DEMAND REGISTRATIONS.

         (a) Right to Request Registration. Any time after the date hereof, the
Stockholder may request registration for resale under the Securities Act of all
or part of the Registrable Common Stock pursuant to a Registration Statement
separate from the Shelf Registration Statement (a "Demand Registration"). As
promptly as practicable after such request, but in any event within 30 days of
such request by the Stockholder, the Company shall file a registration statement
registering for resale such number of shares of Registrable Common Stock held by
the Stockholder as requested to be so registered (including the Prospectus,
amendments and supplements to such registration statement or Prospectus,
including pre- and post-effective amendments, all exhibits thereto and all
material incorporated by reference or deemed to be incorporated by reference, if
any, in such registration statement, a "Demand Registration Statement"). In
connection with each such Demand Registration, the Company shall cause there to
occur Agreed Cooperation.

         (b) Number of Demand Registrations. The Stockholder will be entitled to
request a number of Demand Registrations pursuant to Section 3(a) equal to two
(2) if the Nominal Stock Consideration Amount is $1 billion or less, three (3)
if the Nominal Stock Consideration Amount is more than $1 billion but less than
$2 billion and four (4) if the Nominal Stock Consideration Amount is $2 billion
or more, in each case, minus the number of Fully Marketed Underwritten Offerings
completed off of the Shelf Registration Statement. A registration shall not
count as one of the permitted Demand Registrations pursuant to Section 3(a) (i)
until the related Demand Registration Statement has become effective, (ii) if
the Stockholder is not able to register at least 50% of the Registrable Common
Stock requested to be included in such registration, (iii) if there was not
Agreed Cooperation in connection therewith or (iv) in the case of a Demand
Registration that would be the last permitted Demand Registration requested
pursuant to Section 3(a), if the Stockholder is not able to register all of the
Registrable Common Stock requested to be included in such registration.

         (c) Priority on Demand Registrations. If a Demand Registration pursuant
to this Section 3 involves an underwritten offering and the managing underwriter
shall advise the Company that in its opinion the number of securities requested
to be included in such registration exceeds the number that can be sold in such
offering without having an adverse effect on such offering, including the price
at which such securities can be sold, then the Company shall include in such
registration the maximum number of shares that

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such underwriter advises can be so sold without having such effect, allocated
(i) first, to Registrable Common Stock requested by the Stockholder to be
included in such registration and (ii) second, among all shares of Common Stock
requested to be included in such registration by any other Persons (including
securities to be sold for the account of the Company) allocated among such
Persons in such manner as they may agree. The Company shall not grant to any
Person the right to request the Company to register any securities of the
Company except such rights that do not adversely affect the priorities of the
Stockholder set forth in this Section 3(c).

         (d) Restrictions on Demand Registrations. The Company may postpone the
filing or the effectiveness of a Demand Registration Statement if, based on the
good faith judgment of the Company's Board of Directors, such postponement is
necessary in order to avoid premature disclosure of a matter the Board of
Directors has determined would not be in the best interest of the Company to be
disclosed at such time; provided, however, that the Stockholder requesting such
Demand Registration Statement shall be entitled at any time after receipt of any
notice of postponement and before such Demand Registration Statement becomes
effective, to withdraw such request and, if such request is withdrawn, such
Demand Registration shall not count as one of the permitted Demand
Registrations. The Company shall promptly provide written notice to the
Stockholder of (x) any postponement of the filing or effectiveness of a Demand
Registration Statement pursuant to this Section 3(d), (y) the Company's decision
to file or seek effectiveness of such Demand Registration Statement following
such postponement and (z) the effectiveness of such Demand Registration
Statement. The Company may defer the filing or effectiveness of a particular
Demand Registration Statement pursuant to this Section 3(d) only once during any
12-month period. Notwithstanding the provisions of this Section 3(d), the
Company may not postpone the filing or effectiveness of a Demand Registration
Statement past the date that, if such postponement continued, would result in
there being more than sixty (60) days in the aggregate in any 12 month period
during which the filing or effectiveness of one or more Registration Statements
has been so postponed; provided, however, that if the filing or effectiveness of
a Demand Registration Statement has been postponed due to a determination by the
Board of Directors that the Company is in possession of material non-public
information that would not be in the best interest of the Company to be
disclosed, such period of postponement will not extend beyond the second
Business Day following the day on which such matter is disclosed to the public
or ceases to be material. The period during which filing or effectiveness is so
postponed hereunder is referred to as a "Delay Period."

         (e) Effective Period of Demand Registrations. After any Demand
Registration filed pursuant to this Agreement has become effective, the Company
shall use its best efforts to keep such Demand Registration Statement effective
for a period of at least 180 days from the date on which the SEC declares such
Demand Registration Statement effective plus the duration of any Delay Period
and any Blackout Period, or such shorter period that shall terminate when all of
the Registrable Common Stock covered by such

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Demand Registration Statement has been sold pursuant to such Demand Registration
Statement in accordance with the plan of distribution set forth therein.

         4.       PIGGYBACK REGISTRATIONS.

         (a) Right to Piggyback. Whenever the Company proposes to publicly sell
or register for sale any of its common equity securities pursuant to a
registration statement (a "Piggyback Registration Statement") under the
Securities Act (other than a registration statement on Form S-8 or on Form S-4
or any similar successor forms thereto), whether for its own account or for the
account of one or more stockholders of the Company (a "Piggyback Registration"),
the Company shall give prompt written notice to the Stockholder of its intention
to effect such sale or registration and, subject to Sections 4(b) and 4(c),
shall include in such transaction all Registrable Common Stock with respect to
which the Company has received a written request from the Stockholder for
inclusion therein within 15 days after the receipt of the Company's notice. The
Company may postpone or withdraw the filing or the effectiveness of a Piggyback
Registration at any time in its sole discretion, without prejudice to the
Stockholder's right to immediately request a Demand Registration hereunder. A
Piggyback Registration shall not be considered a Demand Registration for
purposes of Section 3 of this Agreement.

         (b) Priority on Primary Registrations. If a Piggyback Registration is
initiated as an underwritten primary registration on behalf of the Company, and
the managing underwriter advises the Company in writing that in its opinion the
number of securities requested to be included in such registration exceeds the
number that can be sold in such offering without having an adverse effect on
such offering, including the price at which such securities can be sold, then
the Company shall include in such registration the maximum number of shares that
such underwriter advises can be so sold without having such effect, allocated
(i) first, to the securities the Company proposes to sell, (ii) second, to the
Registrable Common Stock requested to be included therein by the Stockholder,
and (iii) third, among other securities requested to be included in such
registration by other security holders of the Company on such basis as such
holders may agree among themselves and the Company.

         (c) Priority on Secondary Registrations. If a Piggyback Registration is
initiated as an underwritten registration on behalf of a holder of the Company's
securities other than Registrable Common Stock, and the managing underwriter
advises the Company in writing that in its opinion the number of securities
requested to be included in such registration exceeds the number that can be
sold in such offering without having an adverse effect on such offering,
including the price at which such securities can be sold, then the Company shall
include in such registration the maximum number of shares that such underwriter
advises can be so sold without having such effect, allocated (i) first, to the
securities requested to be included therein by the holder(s) requesting such
registration and (ii) second, to other securities (including Registrable Common
Stock) requested to be included in such registration by other security holders,
the Company and the Stock-

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holder, pro rata among such holder(s), the Company and the Stockholder on the
basis of the number of shares requested to be registered by them.

         5.       SELECTION OF UNDERWRITERS.

         If any of the Registrable Common Stock covered by a Demand Registration
Statement or a Shelf Registration Statement is to be sold in an underwritten
offering, the Stockholder shall have the right to select the managing
underwriter(s) to administer the offering subject to the prior approval of the
Company, which approval shall not be unreasonably withheld.

         6.       HOLDBACK AGREEMENTS.

         Neither the Company nor the Stockholder shall effect any sale or
distribution of any of equity securities of the Company during the 60 days
beginning on the effective date of any underwritten Demand Registration
Statement or any underwritten Piggyback Registration Statement or the pricing
date of any underwritten offering pursuant to a Shelf Registration Statement
(except as part of such underwritten registration or offering or pursuant to
registrations on Form S-8 or S-4 or any successor forms thereto) unless the
underwriter managing the offering otherwise agrees to a shorter period. Nothing
in this Section 6 will restrict sales of Common Stock by any subsidiary or
Affiliate of the Stockholder as nominee of customers or in connection with
banking, brokerage or asset management activities in the ordinary course of
business.

         7.       PROCEDURES.

         (a) Whenever the Stockholder requests that any Registrable Common Stock
be registered or sold pursuant to this Agreement, the Company shall use its best
efforts to effect the registration and the sale of such Registrable Common Stock
in accordance with the intended methods of disposition thereof, and pursuant
thereto the Company shall as expeditiously as reasonably possible:

                           (i) prepare and file with the SEC a Registration
                  Statement with respect to such Registrable Common Stock and
                  use its best efforts to cause such Registration Statement to
                  become effective as soon as practicable thereafter; and before
                  filing a Registration Statement or Prospectus or any
                  amendments or supplements thereto (including any prospectus
                  supplement for a shelf takedown), furnish to the Stockholder
                  and the underwriter or underwriters, if any, copies of all
                  such documents proposed to be filed, including documents
                  incorporated by reference in the Prospectus and, if requested
                  by the Stockholder, the exhibits incorporated by reference,
                  and the Stockholder (and the underwriter(s), if any) shall
                  have the opportunity to review and comment thereon, and the
                  Company will make such changes and additions thereto as
                  reasonably requested by the Stockholder (and the

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                  underwriter(s), if any) prior to filing any Registration
                  Statement or amendment thereto or any Prospectus or any
                  supplement thereto;

                           (ii) prepare and file with the SEC such amendments
                  and supplements to such Registration Statement and the
                  Prospectus used in connection therewith as may be necessary to
                  keep such Registration Statement effective for a period of not
                  less than 180 days, in the case of a Demand Registration
                  Statement or an aggregate of 18 months, in the case of a Shelf
                  Registration Statement (plus, in each case, the duration of
                  any Delay Period and any Blackout Period), or such shorter
                  period as is necessary to complete the distribution of the
                  securities covered by such Registration Statement and comply
                  with the provisions of the Securities Act with respect to the
                  disposition of all securities covered by such Registration
                  Statement during such period in accordance with the intended
                  methods of disposition by the Stockholder thereof set forth in
                  such Registration Statement and, in the case of the Shelf
                  Registration Statement, prepare such prospectus supplements
                  containing such disclosures as may be reasonably requested by
                  the Stockholder or any underwriter(s) in connection with each
                  shelf takedown;

                           (iii) furnish to the Stockholder such number of
                  copies of such Registration Statement, each amendment and
                  supplement thereto, the Prospectus included in such
                  Registration Statement (including each preliminary Prospectus)
                  and such other documents as the Stockholder and any
                  underwriter(s) may reasonably request in order to facilitate
                  the disposition of the Registrable Common Stock;

                           (iv) use its best efforts to register or qualify such
                  Registrable Common Stock under such other securities or blue
                  sky laws of such jurisdictions as the Stockholder and any
                  underwriter(s) reasonably requests and do any and all other
                  acts and things that may be reasonably necessary or advisable
                  to enable the Stockholder and any underwriter(s) to consummate
                  the disposition in such jurisdictions of the Registrable
                  Common Stock (provided, that the Company will not be required
                  to (1) qualify generally to do business in any jurisdiction
                  where it would not otherwise be required to qualify but for
                  this subparagraph (iv), (2) subject itself to taxation in any
                  such jurisdiction or (3) consent to general service of process
                  in any such jurisdiction);

                           (v) notify the Stockholder and any underwriter(s), at
                  any time when a Prospectus relating thereto is required to be
                  delivered under the Securities Act, of the occurrence of any
                  event as a result of which the Prospectus included in such
                  Registration Statement contains an untrue statement of a
                  material fact or omits any fact necessary to make the
                  statements

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                  therein not misleading, and, at the request of the Stockholder
                  and any underwriter(s), the Company shall prepare a supplement
                  or amendment to such Prospectus so that, as thereafter
                  delivered to the purchasers of such Registrable Common Stock,
                  such Prospectus shall not contain an untrue statement of a
                  material fact or omit to state any material fact necessary to
                  make the statements therein not misleading;

                           (vi) in the case of an underwritten offering, enter
                  into such agreements (including underwriting agreements in
                  customary form) and take all such other actions as the
                  Stockholder or the underwriter(s) reasonably request in order
                  to expedite or facilitate the disposition of such Registrable
                  Common Stock (including, without limitation, causing
                  management and other Company personnel to cooperate with the
                  Stockholder and the underwriter(s) in connection with
                  performing due diligence) and cause its counsel to issue
                  opinions of counsel in form, substance and scope as are
                  customary in primary underwritten offerings, addressed and
                  delivered to the underwriter(s) and the Stockholder;

                           (vii) in connection with each Demand Registration
                  pursuant to Section 3 and each Fully Marketed Underwritten
                  Offering requested by the Stockholder under Section 2, cause
                  there to occur Agreed Cooperation and, in all other cases,
                  cause members of management of the Company to be available to
                  participate in, and to cooperate with the underwriter(s) in
                  connection with, customary marketing activities on a
                  reasonable basis (including select conference calls and
                  one-on-one meetings with prospective purchasers);

                           (viii) make available for inspection by the
                  Stockholder, any underwriter participating in any disposition
                  pursuant to such Registration Statement, and any attorney,
                  accountant or other agent retained by the Stockholder or
                  underwriter, all financial and other records, pertinent
                  corporate documents and properties of the Company, and cause
                  the Company's officers, directors, employees and independent
                  accountants to supply all information reasonably requested by
                  the Stockholder, underwriter, attorney, accountant or agent in
                  connection with such Registration Statement;

                           (ix) use its best efforts to cause all such
                  Registrable Common Stock to be listed on each securities
                  exchange on which securities of the same class issued by the
                  Company are then listed or, if no such similar securities are
                  then listed, on Nasdaq or a national securities exchange
                  selected by the Company;

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                           (x) provide a transfer agent and registrar for all
                  such Registrable Common Stock not later than the effective
                  date of such Registration Statement;

                           (xi) if requested, cause to be delivered, immediately
                  prior to the pricing of any underwritten offering, immediately
                  prior to effectiveness of each Registration Statement (and, in
                  the case of an underwritten offering, at the time of closing
                  of the sale of Registrable Common Stock pursuant thereto),
                  letters from the Company's independent registered public
                  accountants addressed to the Stockholder and each underwriter,
                  if any, stating that such accountants are independent public
                  accountants within the meaning of the Securities Act and the
                  applicable rules and regulations adopted by the SEC
                  thereunder, and otherwise in customary form and covering such
                  financial and accounting matters as are customarily covered by
                  letters of the independent registered public accountants
                  delivered in connection with primary underwritten public
                  offerings;

                           (xii) make generally available to its stockholders a
                  consolidated earnings statement (which need not be audited)
                  for the 12 months beginning after the effective date of a
                  Registration Statement as soon as reasonably practicable after
                  the end of such period, which earnings statement shall satisfy
                  the requirements of an earning statement under Section 11(a)
                  of the Securities Act; and

                           (xiii) promptly notify the Stockholder and the
                  underwriter or underwriters, if any:

                                    (1) when the Registration Statement, any
                                    pre-effective amendment, the Prospectus or
                                    any Prospectus supplement or post-effective
                                    amendment to the Registration Statement has
                                    been filed and, with respect to the
                                    Registration Statement or any post-effective
                                    amendment, when the same has become
                                    effective;

                                    (2) of any written request by the SEC for
                                    amendments or supplements to the
                                    Registration Statement or Prospectus;

                                    (3) of the notification to the Company by
                                    the SEC of its initiation of any proceeding
                                    with respect to the issuance by the SEC of
                                    any stop order suspending the effectiveness
                                    of the Registration Statement; and

                                    (4) of the receipt by the Company of any
                                    notification with respect to the suspension
                                    of the qualification of any

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                                    Registrable Common Stock for sale under the
                                    applicable securities or blue sky laws of
                                    any jurisdiction.

         (b) The Company represents and warrants that no Registration Statement
(including any amendments or supplements thereto and Prospectuses contained
therein) shall contain any untrue statement of a material fact or omit to state
a material fact required to be stated therein, or necessary to make the
statements therein not misleading (except that the Company makes no
representation or warranty with respect to information relating to the
Stockholder furnished to the Company by or on behalf of the Stockholder
specifically for use therein).

         (c) The Company shall make available to the Stockholder (i) promptly
after the same is prepared and publicly distributed, filed with the SEC, or
received by the Company, one copy of each Registration Statement and any
amendment thereto, each preliminary Prospectus and Prospectus and each amendment
or supplement thereto, each letter written by or on behalf of the Company to the
SEC or the staff of the SEC (or other governmental agency or self-regulatory
body or other body having jurisdiction, including any domestic or foreign
securities exchange), and each item of correspondence from the SEC or the staff
of the SEC (or other governmental agency or self-regulatory body or other body
having jurisdiction, including any domestic or foreign securities exchange), in
each case relating to such Registration Statement, and (ii) such number of
copies of a Prospectus, including a preliminary Prospectus, and all amendments
and supplements thereto and such other documents as the Stockholder or any
underwriter may reasonably request in order to facilitate the disposition of the
Registrable Common Stock. The Company will promptly notify the Stockholder of
the effectiveness of each Registration Statement or any post-effective
amendment. The Company will promptly respond to any and all comments received
from the SEC, with a view towards causing each Registration Statement or any
amendment thereto to be declared effective by the SEC as soon as practicable and
shall file an acceleration request as soon as practicable following the
resolution or clearance of all SEC comments or, if applicable, following
notification by the SEC that any such Registration Statement or any amendment
thereto will not be subject to review.

         (d) The Company may require the Stockholder to furnish to the Company
any other information regarding the Stockholder and the distribution of such
securities as the Company may from time to time reasonably request in writing.

         (e) The Stockholder agrees that, upon notice from the Company of the
happening of any event as a result of which the Prospectus included in such
Registration Statement contains an untrue statement of a material fact or omits
any material fact necessary to make the statements therein not misleading (a
"Suspension Notice"), the Stockholder will forthwith discontinue disposition of
Registrable Common Stock pursuant to such Registration Statement for a
reasonable length of time until the Stockholder is advised in writing by the
Company that the use of the Prospectus may be resumed and is

                                       12
<PAGE>
furnished with a supplemented or amended Prospectus as contemplated by Section
7(a) hereof; provided, however, that such postponement of sales of Registrable
Common Stock by the Stockholder shall not exceed sixty (60) days in the
aggregate in any 12 month period; provided, further, that if a Suspension Notice
has been delivered due to a determination by the Board of Directors that the
Company is in possession of material non-public information that would not be in
the best interest of the Company to be disclosed, the Blackout Period (as
defined below) will not extend beyond the second Business Day following the day
on which such matter is disclosed to the public or ceases to be material. If the
Company shall give the Stockholder any Suspension Notice, the Company shall
extend the period of time during which the Company is required to maintain the
Registration Statement effective pursuant to this Agreement by the number of
days during the period from and including the date of the giving of such
Suspension Notice to and including the date the Stockholder either is advised by
the Company that the use of the Prospectus may be resumed or receives the copies
of the supplemented or amended Prospectus contemplated by Section 7(a) (a
"Blackout Period").

         8.       REGISTRATION EXPENSES.

         (a) All expenses incident to the Company's performance of or compliance
with this Agreement, including, without limitation, all registration and filing
fees (including SEC registration fees and NASD filing fees), fees and expenses
of compliance with securities or blue sky laws, listing application fees,
printing expenses, transfer agent's and registrar's fees, cost of distributing
Prospectuses in preliminary and final form as well as any supplements thereto,
and fees and disbursements of counsel for the Company and all accountants and
other Persons retained by the Company (all such expenses being herein called
"Registration Expenses") (but not including any underwriting discounts or
commissions or transfer taxes, if any, attributable to the sale of Registrable
Common Stock), shall be borne by the Company. In addition, the Company shall pay
its internal expenses (including, without limitation, all salaries and expenses
of its officers and employees performing legal or accounting duties), the
expense of any annual audit or quarterly review by the Company's auditors, the
expense of any liability insurance for the benefit of the Company or its
directors and officers and the expenses and fees for listing the securities to
be registered on each securities exchange on which they are to be listed.

         (b) In connection with each registration initiated hereunder (whether a
Demand Registration, Shelf Registration Statement or a Piggyback Registration),
the Company shall pay, or shall reimburse the Stockholder for, the reasonable
fees and disbursements of one law firm chosen by the Stockholder as its counsel.

         (c) The obligation of the Company to bear the expenses described in
Section 8(a) and to pay or reimburse the Stockholder for the expenses described
in Section 8(b) shall apply irrespective of whether a registration, once
properly demanded, if applicable, becomes effective, is withdrawn or suspended,
is converted to another form of registration and irrespective of when any of the
foregoing shall occur.

                                       13
<PAGE>
         9.       INDEMNIFICATION.

         (a) The Company shall indemnify, to the fullest extent permitted by
law, the Stockholder and its officers, directors, employees and Affiliates and
each Person who controls the Stockholder (within the meaning of the Securities
Act) against all losses, claims, damages, liabilities and expenses arising out
of or based upon any untrue or alleged untrue statement of material fact
contained in any Registration Statement, Prospectus or preliminary Prospectus or
any amendment thereof or supplement thereto or any omission or alleged omission
of a material fact required to be stated therein or necessary to make the
statements therein not misleading or any violation or alleged violation by the
Company of the Securities Act, the Exchange Act or applicable "blue sky" laws,
except insofar as the same are made in reliance and in conformity with
information relating to the Stockholder furnished in writing to the Company by
the Stockholder expressly for use therein. In connection with an underwritten
offering, the Company shall indemnify such underwriter(s), their officers,
employees and directors and each Person who controls such underwriter(s) (within
the meaning of the Securities Act) to the same extent as provided above with
respect to the indemnification of the Stockholder.

         (b) In connection with any Registration Statement in which the
Stockholder is participating, the Stockholder shall furnish to the Company in
writing such information as the Company reasonably requests for use in
connection with any such Registration Statement or Prospectus and, shall
indemnify, to the fullest extent permitted by law, the Company, its officers,
employees, directors, Affiliates, and each Person who controls the Company
(within the meaning of the Securities Act) against all losses, claims, damages,
liabilities and expenses arising out of or based upon any untrue or alleged
untrue statement of material fact contained in the Registration Statement,
Prospectus or preliminary Prospectus or any amendment thereof or supplement
thereto or any omission or alleged omission of a material fact required to be
stated therein or necessary to make the statements therein not misleading, but
only to the extent that the same are made in reliance and in conformity with
information relating to the Stockholder furnished in writing to the Company by
the Stockholder expressly for use therein.

         (c) Any Person entitled to indemnification hereunder shall (i) give
prompt written notice to the indemnifying party of any claim with respect to
which it seeks indemnification and (ii) unless in such indemnified party's
reasonable judgment a conflict of interest between such indemnified and
indemnifying parties may exist with respect to such claim, permit such
indemnifying party to assume the defense of such claim with counsel reasonably
satisfactory to the indemnified party. If such defense is assumed, the
indemnifying party shall not be subject to any liability for any settlement made
by the indemnified party without its consent (but such consent will not be
unreasonably withheld). An indemnifying party who is not entitled to, or elects
not to, assume the defense of a claim shall not be obligated to pay the fees and
expenses of more than one counsel (in addition to any local counsel) for all
parties indemnified by such indemnifying party with respect to such claim,
unless in the reasonable judgment of any indemnified party

                                       14
<PAGE>
there may be one or more legal or equitable defenses available to such
indemnified party that are in addition to or may conflict with those available
to another indemnified party with respect to such claim. Failure to give prompt
written notice shall not release the indemnifying party from its obligations
hereunder.

         (d) The indemnification provided for under this Agreement shall remain
in full force and effect regardless of any investigation made by or on behalf of
the indemnified party or any officer, director or controlling Person of such
indemnified party and shall survive the transfer of securities.

         (e) If the indemnification provided for in or pursuant to this Section
9 is due in accordance with the terms hereof, but is held by a court to be
unavailable or unenforceable in respect of any losses, claims, damages,
liabilities or expenses referred to herein, then each applicable indemnifying
party, in lieu of indemnifying such indemnified party, shall contribute to the
amount paid or payable by such indemnified Person as a result of such losses,
claims, damages, liabilities or expenses in such proportion as is appropriate to
reflect the relative fault of the indemnifying party on the one hand and of the
indemnified party on the other in connection with the statements or omissions
that result in such losses, claims, damages, liabilities or expenses as well as
any other relevant equitable considerations. The relative fault of the
indemnifying party on the one hand and of the indemnified Person on the other
shall be determined by reference to, among other things, whether the untrue or
alleged untrue statement of a material fact or the omission or alleged omission
to state a material fact relates to information supplied by the indemnifying
party or by the indemnified party, and by such party's relative intent,
knowledge, access to information and opportunity to correct or prevent such
statement or omission. In no event shall the liability of the Stockholder be
greater in amount than the amount of net proceeds received by the Stockholder
upon such sale.

         10.      RULE 144.

         The Company covenants that it will file the reports required to be
filed by it under the Securities Act and the Exchange Act and the rules and
regulations adopted by the SEC thereunder, and it will take such further action
as the Stockholder may reasonably request to make available adequate current
public information with respect to the Company meeting the current public
information requirements of Rule 144(c) under the Securities Act, to the extent
required to enable the Stockholder to sell Registrable Common Stock without
registration under the Securities Act within the limitation of the exemptions
provided by (i) Rule 144 under the Securities Act, as such Rule may be amended
from time to time, or (ii) any similar rule or regulation hereafter adopted by
the SEC. Upon the request of the Stockholder, the Company will deliver to the
Stockholder a written statement as to whether it has complied with such
information and requirements.

                                       15
<PAGE>
         11.      TRANSFER OF REGISTRATION RIGHTS.

                  (a) The Stockholder may transfer all or any portion of its
then-remaining rights under Sections 3, 5, 6, 7, 8, 9, 10, 11, 12 and 16 of this
Agreement to any transferee who acquires at least 20% of the Stock Consideration
(each, a "transferee"). Any transfer of registration rights pursuant to this
Section 11 shall be effective upon receipt by the Company of (x) written notice
from the Stockholder stating the name and address of any transferee and
identifying the amount of Registrable Common Stock with respect to which the
rights under this Agreement are being transferred and the nature of the rights
so transferred and (y) a written agreement from the transferee to be bound by
all of the terms of this Agreement. In connection with any such transfer, the
term "Stockholder" as used in this Agreement shall, where appropriate to assign
such rights to such transferee, be deemed to refer to the transferee holder of
such Registrable Common Stock. The Stockholder and such transferees may exercise
the registration rights hereunder in such proportion (not to exceed the
then-remaining rights hereunder) as they shall agree among themselves.

                  (b) After such transfer, the Stockholder shall retain its
rights under this Agreement with respect to all other Registrable Common Stock
owned by the Stockholder. Upon the request of the Stockholder, the Company shall
execute an Investor Rights Agreement with such transferee or a proposed
transferee substantially similar to the applicable sections of this Agreement.

         12.      CONVERSION OF OTHER SECURITIES.

         If the Stockholder offers Registrable Common Stock by forward sale, or
any options, rights, warrants or other securities issued by it or any other
person that are offered with, convertible into or exercisable or exchangeable
for any Registrable Common Stock, the Registrable Common Stock subject to such
forward sale or underlying such options, rights, warrants or other securities
shall be eligible for registration pursuant to Sections 2, 3 and 4 of this
Agreement.

         13.      TRANSFER OF COMMON STOCK

         The Stockholder may not (i) transfer more than 5% of the total number
of shares of outstanding Common Stock to a Competitor of the Company or (ii)
transfer more than $1 billion of Stock Consideration (based on the average
closing price of the Common Stock on the NYSE over the 10 trading day period
ending the last trading day of the month immediately preceding the date of
transfer) in the aggregate to any one Person, other than to an Affiliate of the
Stockholder; provided, however, that this Section 13 will not apply to any
transfer (i) pursuant to Rule 144 or offerings made under the Shelf Registration
Statement or (ii) pursuant to a Demand Registration Statement or a Piggyback
Registration Statement.

                                       16
<PAGE>
         14.      LOCK-UP OF THE STOCKHOLDER

         Notwithstanding any other right under any other provision of this
Agreement, the Stockholder agrees that it will not sell any shares of Common
Stock comprising the Stock Consideration for a period from the Closing Date
until and including the date that is one year after the Closing Date, provided,
however, that if the Nominal Stock Consideration Amount is greater than $1
billion, the Stockholder may sell the amount of shares of Common Stock
comprising the Stock Consideration (including Common Stock underlying the
Purchaser Convertible Preferred Stock) that exceeds $1 billion of the Nominal
Stock Consideration Amount beginning on the 181st day after the Closing Date;
provided, further, that nothing in this Section 14 will restrict sales of Common
Stock by the Stockholder (i) as nominee of customers in the ordinary course of
business, (ii) pursuant to a private offering not requiring registration under
the Securities Act of 1933 if the transferee agrees to the transfer and other
restrictions set forth in this Agreement to which the Stockholder was subject
with respect to the transferred shares of Common Stock and such private offering
is made on or after the 181st day after the Closing Date or (iii) to an
Affiliate of the Stockholder if such Affiliate agrees to the transfer and other
restrictions set forth in this Agreement to which the Stockholder was subject
with respect to the transferred shares of Common Stock or (iv) to the Company.
Nothing in this provision will limit the ability of the Stockholder to request
the Company to file the Shelf Registration Statement or Demand Registration
Statement or permit the Company to delay the effectiveness of the Shelf
Registration Statement or Demand Registration Statement during the period
described in this Section 14, provided that no sales may be made pursuant to the
Shelf Registration Statement or Demand Registration Statement until the period
described in this Section 14 has expired. Nothing in this Section 14 will
restrict sales of Common Stock by any Affiliate or subsidiary of the Stockholder
as nominee of customers or in connection with banking, brokerage or asset
management activities in the ordinary course of business.

         15.      STANDSTILL

         Until such time as the amount of Common Stock held by the Stockholder
is less than 5% of the total number of shares of outstanding Common Stock, the
Stockholder shall not (i) propose to acquire, or acquire, any securities or
other property of the Company or make any statement about any merger or other
corporate transaction of the Company; (ii) seek representation on the Board of
Directors of the Company or the removal of any director of the Company from such
Board of Directors; (iii) make any solicitation of proxies to vote securities of
the Company; (iv) form or join a "group" with respect to any voting securities
of the Company; (v) seek to control or influence the management or Board of
Directors of the Company; (vi) deposit any securities of the Company in a voting
trust; and (vii) make a public request, or advise or otherwise assist others, to
do any of the foregoing. Nothing in this Section 15 will restrict sales of
Common Stock by any Affiliate or subsidiary of the Stockholder as nominee of
customers or in connection with banking, brokerage or asset management
activities in the ordinary course of business.

                                       17
<PAGE>
         16.      MISCELLANEOUS.

         (a) Notices. All notices, requests, consents and other communications
required or permitted hereunder shall be in writing and shall be hand delivered
or mailed postage prepaid by registered or certified mail or by facsimile
transmission (with immediate telephone confirmation thereafter) and, in the case
of the Stockholder, shall also be sent via e-mail,

                  If to the Company:

                           MetLife, Inc.
                           1 MetLife Plaza
                           27-01 Queens Plaza North
                           Long Island City, New York 11101
                           Facsimile No.: (212) 578-0266
                           Attn: Anthony J. Williamson, Senior Vice President
                           and Treasurer

                  with a copy to

                           MetLife, Inc.
                           1 MetLife Plaza
                           27-01 Queens Plaza North
                           Long Island City, New York 11101
                           Facsimile No.: (212) 252-7288
                           Attn: James L. Lipscomb, Executive Vice President and
                           General Counsel

                  with a copy to (which shall not constitute notice):

                           LeBoeuf, Lamb, Greene & MacRae, L.L.P.
                           125 West 55th Street
                           New York, New York  10019
                           Attn:  Joseph L. Seiler III, Esq.
                           Facsimile No.:  (212) 424-8500

                           If to the Stockholder:

                           Citigroup Inc.
                           399 Park Avenue
                           New York, New York  10022
                           Attn:  Andrew M. Felner, Esq.
                                  Deputy General Counsel
                           Facsimile No.:  (212) 559-7057
                           Email:  felnera@citigroup.com

                                       18
<PAGE>
                           With a copy to:

                           Citigroup Inc.
                           425 Park Avenue
                           New York, New York  10022
                           Attn:  John R. Dye, Esq.
                                  General Counsel -- Capital Markets
                           Facsimile No.: (212) 793-7600
                           Email: dyej@citigroup.com

         If to a transferee Stockholder, to the address of such transferee
Stockholder set forth in the transfer documentation provided to the Company;

                  in each case with copies to (which shall not constitute
         notice):

                           Skadden, Arps, Slate, Meagher & Flom LLP
                           Four Times Square
                           New York, New York 10036-6522
                           Attention:  Gregory A. Fernicola, Esq.
                           Facsimile No.:  (212) 735-2000

or at such other address as such party each may specify by written notice to the
others, and each such notice, request, consent and other communication shall for
all purposes of the Agreement be treated as being effective or having been given
when delivered personally, upon one Business Day after being deposited with a
courier if delivered by courier, upon receipt of facsimile confirmation if
transmitted by facsimile, or, if sent by mail, at the earlier of its receipt or
72 hours after the same has been deposited in a regularly maintained receptacle
for the deposit of United States mail, addressed and postage prepaid as
aforesaid.

         (b) No Waivers. No failure or delay by any party in exercising any
right, power or privilege hereunder shall operate as a waiver thereof nor shall
any single or partial exercise thereof preclude any other or further exercise
thereof or the exercise of any other right, power or privilege. The rights and
remedies herein provided shall be cumulative and not exclusive of any rights or
remedies provided by law.

         (c) Successors and Assigns. The provisions of this Agreement shall be
binding upon and inure to the benefit of the parties hereto and their respective
successors and assigns. If the outstanding Common Stock is converted into or
exchanged or substituted for other securities issued by any other Person, as a
condition to the effectiveness of the merger, consolidation, reclassification,
share exchange or other transaction pursuant to which such conversion, exchange,
substitution or other transaction takes place, such other Person shall become
bound hereby with respect to such other securities constituting Registrable
Securities and, if requested by the Stockholder or a permitted transferee, shall
further evidence such obligation by executing and delivering to the Stockholder
and such

                                       19
<PAGE>
transferee a written agreement to such effect in form and substance satisfactory
to the Stockholder.

         (d) Governing Law. The internal laws, and not the laws of conflicts
(other than Section 5-1401 of the General Obligations Law of the State of New
York), of New York shall govern the enforceability and validity of this
Agreement, the construction of its terms and the interpretation of the rights
and duties of the parties.

         (e) Jurisdiction. Any suit, action or proceeding seeking to enforce any
provision of, or based on any matter arising out of or in connection with, this
Agreement or the transactions contemplated hereby may be brought in any federal
or state court located in the County and State of New York, and each of the
parties hereby consents to the jurisdiction of such courts (and of the
appropriate appellate courts therefrom) in any such suit, action or proceeding
and irrevocably waives, to the fullest extent permitted by law, any objection
which it may now or hereafter have to the laying of the venue of any such suit,
action or proceeding in any such court or that any such suit, action or
proceeding which is brought in any such court has been brought in an
inconvenient forum. Process in any such suit, action or proceeding may be served
on any party anywhere in the world, whether within or without the jurisdiction
of any such court. Without limiting the foregoing, each party agrees that
service of process on such party as provided in Section 16(a) shall be deemed
effective service of process on such party.

         (f) Waiver of Jury Trial. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY
WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF
OR RELATED TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.

         (g) Counterparts; Effectiveness. This Agreement may be executed in any
number of counterparts (including by facsimile) and by different parties hereto
in separate counterparts, with the same effect as if all parties had signed the
same document. All such counterparts shall be deemed an original, shall be
construed together and shall constitute one and the same instrument. This
Agreement shall become effective when each party hereto shall have received
counterparts hereof signed by all of the other parties hereto.

         (h) Entire Agreement. This Agreement contains the entire agreement
between the parties hereto with respect to the subject matter hereof and
supersedes and replaces all other prior agreements, written or oral, among the
parties hereto with respect to the subject matter hereof.

         (i) Captions. The headings and other captions in this Agreement are for
convenience and reference only and shall not be used in interpreting, construing
or enforcing any provision of this Agreement.

                                       20
<PAGE>
         (j) Severability. If any term, provision, covenant or restriction of
this Agreement is held by a court of competent jurisdiction or other authority
to be invalid, void or unenforceable, the remainder of the terms, provisions,
covenants and restrictions of this Agreement shall remain in full force and
effect and shall in no way be affected, impaired or invalidated so long as the
economic or legal substance of the transactions contemplated hereby is not
affected in any manner materially adverse to any party. Upon such a
determination, the parties shall negotiate in good faith to modify this
Agreement so as to effect the original intent of the parties as closely as
possible in an acceptable manner in order that the transactions contemplated
hereby be consummated as originally contemplated to the fullest extent possible.

         (k) Amendments. The provisions of this Agreement, including the
provisions of this sentence, may not be amended, modified or supplemented, and
waivers or consents to or departures from the provisions hereof may not be
given, without the written consent of the Company and the Stockholder.

         (l) Aggregation of Stock. All Registrable Common Stock held by or
acquired by any Affiliated Persons will be aggregated together for the purpose
of determining the availability of any rights under this Agreement.

         (m) Equitable Relief. The parties hereto agree that legal remedies may
be inadequate to enforce the provisions of this Agreement and that equitable
relief, including specific performance and injunctive relief, may be used to
enforce the provisions of this Agreement.

                            [Execution Page Follows]

                                       21
<PAGE>
         IN WITNESS WHEREOF, this Investor Rights Agreement has been duly
executed by each of the parties hereto as of the date first written above.

METLIFE, INC.

By:  /s/ William J. Wheeler
     ------------------------------------
     Name:  William J. Wheeler
     Title: Executive Vice President and
            Chief Financial Officer

CITIGROUP INC.

By:  /s/ Anthony A. Lazzara
     ------------------------------------
     Name:  Anthony A. Lazzara
     Title: Managing Director
            M&A Execution

                  [SIGNATURE PAGE TO INVESTOR RIGHTS AGREEMENT]

                                       22
<PAGE>
CITIGROUP INSURANCE HOLDINGS COMPANY

By:  /s/ Martin A. Waters
     -----------------------------
     Name:  Martin A. Waters
     Title: Assistant Treasurer

                                       23<PAGE>

--------------------------------------------------------------------------------

                          TRANSITION SERVICES AGREEMENT

                                 BY AND BETWEEN

                                 CITIGROUP, INC.

                                       AND

                                  METLIFE, INC.

                            DATED AS OF JULY 1, 2005

--------------------------------------------------------------------------------
<PAGE>
                                TABLE OF CONTENTS

<TABLE>
<S>                                                                           <C>
Section 1.  Definitions.....................................................   1
Section 2.  Services and Activities.........................................   4
            (a)   TSA Services..............................................   4
            (b)   Additional Services.......................................   6
            (c)   Lease of Real Property, Hardware, Infrastructure and
                  Networks..................................................   7
            (d)   Resumed Services..........................................   7
            (e)   No Obligation to Provide Other Services...................   7
            (f)   Non-Exclusivity...........................................   8
            (g)   Cooperation...............................................   8
            (h)   Access, Resources and Decisions...........................   8
            (i)   Acquisition Agreement Matters.............................   8
            (j)   Certain Activities........................................   8
Section 3.  Limitations on TSA Services.....................................   9
            (a)   Scope of Required TSA Services by Parent..................   9
            (b)   Scope of Required TSA Services by Purchaser...............  10
            (c)   No Performance Required Under Certain Circumstances.......  10
            (d)   No Obligation to Hire.....................................  10
            (e)   Restrictions on Work Product..............................  10
            (f)   Consents..................................................  10
            (g)   No Obligation of Parent to Provide Certain Services.......  11
Section 4.  Standards of TSA Services, Review Procedures and Penalties......  11
            (a)   Standards of TSA Services.................................  11
            (b)   Improvements in TSA Services..............................  11
            (c)   Reports...................................................  12
            (d)   Failure to Meet Standards for Services, Inability to
                  Perform, Errors...........................................  12
            (e)   Failure to Provide TSA Services...........................  12
Section 5.  Subcontractors..................................................  13
            (a)   Right to Subcontract......................................  13
            (b)   Affiliate Subcontractors..................................  13
Section 6.  Consideration for Services; Fee Dispute Resolution..............  13
            (a)   Consideration.............................................  13
            (b)   Limitations on Consideration..............................  15
            (c)   Payment...................................................  15
            (d)   Fee Dispute Resolution....................................  16
            (e)   Sales Taxes...............................................  16
            (f)   No Offset.................................................  16
            (g)   TSA Records...............................................  17
            (h)   Audit.....................................................  17
Section 7.  Term and Termination............................................  19
            (a)   Period of Services........................................  19
            (b)   Termination of Individual Transition Services.............  20
            (c)   Termination of Agreement..................................  20
            (d)   Effect of Termination; Return of Materials................  21
Section 8.  Transition Project Management...................................  21
            (a)   Service Coordinator.......................................  21
</TABLE>

                                      - i -
<PAGE>
<TABLE>
<S>                                                                           <C>
            (b)   TSA Contacts..............................................  21
Section 9.  Relationship Between the Parties................................  21
Section 10. Changes.........................................................  22
            (a)   Changes in Services.......................................  22
            (b)   Changes in Security.......................................  23
            (c)   Changes in Fees...........................................  23
Section 11. Dispute Resolution..............................................  23
            (a)   Resolution by the Service Coordinators....................  23
            (b)   Dispute Escalation........................................  23
            (c)   Specific Performance and Other Equitable Relief...........  24
            (d)   Ground for Dismissal......................................  24
Section 12. Indemnification.................................................  24
            (a)   Indemnification by Service Provider.......................  25
            (b)   Indemnification by Service Recipient......................  25
            (c)   Limitation on Liability...................................  26
            (d)   Exclusions................................................  26
            (e)   Third Party Claims; Procedures............................  26
            (f)   Consequential Damages.....................................  27
            (g)   Other Losses..............................................  27
            (h)   Exclusive Remedy..........................................  27
            (i)   Disclaimer of Warranties..................................  27
Section 13. Ownership, Lost Data and Security...............................  28
            (a)   Ownership.................................................  28
            (b)   Ongoing Data Separation...................................  28
            (c)   Service Provider Licensed Materials.......................  28
            (d)   Third Party Materials.....................................  29
            (e)   Confidentiality; Delivery.................................  29
            (f)   Lost or Destroyed Data....................................  29
            (g)   Security..................................................  29
Section 14. Force Majeure...................................................  31
            (a)   General...................................................  31
            (b)   Definition................................................  31
            (c)   Excuse of Performance.....................................  31
            (d)   Disaster Recovery Plan....................................  31
            (e)   Disaster Recovery Tests...................................  32
            (f)   Termination Upon Force Majeure............................  32
Section 15. Survival........................................................  32
Section 16. Notices.........................................................  32
Section 17. Successors and Assigns; No Third-Party Beneficiaries............  33
Section 18. Counterparts....................................................  34
Section 19. Entire Agreement................................................  34
            (a)   Agreement.................................................  34
            (b)   Captions..................................................  34
Section 20. Amendment, Modification and Waiver..............................  34
Section 21. Severability....................................................  34
Section 22. Governing Law...................................................  35
</TABLE>

                                     - ii -
<PAGE>
<TABLE>
<S>                                                                           <C>
Section 23. Jurisdiction; Venue; Consent to Service of Process..............  35
            (a)   Exclusive Jurisdiction; Final Judgments...................  35
            (b)   Service of Process........................................  35
Section 24. Waiver Of Jury Trial............................................  35
Section 25. Confidentiality.................................................  35
            (a)   Definition of Confidential Information....................  35
            (b)   Protection of Confidential Information....................  36
            (c)   Exclusions................................................  36
            (d)   Compulsory Disclosure.....................................  36
            (e)   Unauthorized Acts.........................................  37
            (f)   Data Protection...........................................  37
Section 26. Construction....................................................  37
Section 27. Precedence......................................................  37
</TABLE>

Schedules

Schedule 2(a)           TSA Services
Schedule 2(a)(ii)(A)    Non-Transferable Acquired Subsidiary Services
Schedule 2(b)           Additional Services
Schedule 2(c)           Leased Real Property
Schedule 6(a)(i)        2005 Price Lists
Schedule 8(a)           Service Coordinators
Schedule 8(b)           TSA Contacts
Schedule 11(b)(i)       Senior Executives and Executive Committee
Schedule 11(b)(ii)      Significant Service Shortfall Dispute Resolution

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      This TRANSITION SERVICES AGREEMENT (this "Agreement"), dated as of July 1,
2005 (the "Effective Date"), is entered into by and between Citigroup, Inc., a
Delaware corporation ("Parent") and MetLife, Inc., a Delaware corporation
("Purchaser").

                              W I T N E S S E T H:

            WHEREAS, Parent and Purchaser have entered into that certain
Acquisition Agreement, dated January 31, 2005 (as may be amended from time to
time, the "Acquisition Agreement") pursuant to which Purchaser agreed to acquire
on the terms and subject to the conditions set forth therein, all of the
outstanding shares of capital stock of certain subsidiaries of, and the equity
interests owned by Parent in certain joint ventures of, Parent or its
Affiliates; and

            WHEREAS, the execution and delivery of this Agreement is a condition
to Closing of the transactions contemplated by the Acquisition Agreement.

            NOW, THEREFORE, in consideration of the mutual covenants, agreements
and promises herein contained, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereby
agree as follows:

      SECTION 1. DEFINITIONS. All capitalized terms used but not otherwise
defined herein have the meanings ascribed to them in the Acquisition Agreement.
With respect to all defined terms, whenever the singular term is used, the same
shall include the plural, and whenever the plural is used, the same shall
include the singular, where appropriate.

            "Acquired Subsidiary Services" has the meaning set forth in Section
2(a)(ii).

            "Acquisition Agreement" has the meaning set forth in the Recitals.

            "Additional Services" means, to the extent provided by the Service
Provider pursuant to Section 2(b) hereof, (a) any additional services, support,
facilities or other resources not otherwise provided as a TSA Service or (b) an
expansion of the scope or term of any TSA Service (it being agreed that an
increase in volume of a TSA Service by reason of organic growth of the Business
is not an Additional Service). Additional Services include Required Additional
Services. Any activities performed pursuant to Section 2(j) hereof are not
Additional Services.

            "Administration Notice" has the meaning set forth in Section 16.

            "Affiliate Subcontractor" has the meaning set forth in Section 5(b).

            "Change" has the meaning set forth in Section 10.

            "Confidential Information" has the meaning set forth in Section
25(a).

            "Date of Determination" has the meaning set forth in Section
2(b)(i).

            "Disclosing Party" has the meaning set forth in Section 25(b).
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            "Effective Date" has the meaning set forth in the Recitals.

            "Excluded Works" means (a) work product created by Subcontractors
that are not Affiliate Subcontractors retained by a Service Provider or any of
its Affiliates where the terms of such retention allocate title in such work
product to such Subcontractor or to another third party, and (b) Confidential
Information, trademarks, service marks or logos of the Service Provider or its
Affiliates.

            "Excusable Circumstance" has the meaning set forth in Section 3(c).

            "Executive Committee" has the meaning set forth in Section 11(b).

            "Fees" has the meaning set forth in Section 6(a)(i).

            "Force Majeure Events" has the meaning set forth in Section 14(b).

            "Indemnified Party" means the Service Provider Indemnified Party or
the Service Recipient Indemnifying Party, as the situation warrants.

            "Indemnifying Party" means the Service Provider Indemnifying Party
or the Service Recipient Indemnifying Party, as the situation warrants.

            "International Term" has the meaning set forth in Section 7(a).

            "Non-Terminating Party" has the meaning set forth in Section
7(c)(i).

            "Omitted Services" has the meaning set forth in Section 2(a)(iii).

            "Operations Notice" has the meaning set forth in Section 16.

            "Parent" has the meaning set forth in the Recitals.

            "Parent Services" has the meaning set forth in Section 2(a)(i).

            "Policies" means Service Provider's written policies.

            "Pre-Closing Period" means (a) with respect to any service, support,
facilities and other resources, as applicable, provided by or on behalf of a
Service Provider to a Service Recipient, the period of time during the six (6)
months prior to the Effective Date or (b) with respect to such services,
support, facilities and other resources, as applicable, provided on only a
periodic basis, the period of time during the twelve (12) months prior to the
Effective Date (in each case, unless such service, support, facility or other
resource was terminated in the normal course of business prior to the Effective
Date).

            "Purchaser" has the meaning set forth in the Recitals.

            "Reports" has the meaning set forth in Section 4(c).

            "Receiving Party" has the meaning set forth in Section 25(b).

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            "Required Additional Services" means an Additional Service that the
Service Provider must perform. An Additional Service is a Required Additional
Service if the Service Provider (a) is the only reasonably available source of
knowledge or expertise relating to the Additional Service, (b) can provide such
Additional Service using commercially reasonable efforts, without adversely
impacting the level or quality of any TSA Services provided by, or the
businesses of, such Service Provider and its Affiliates, taking into account the
Service Provider's resource limitations and capacity, and (c) in providing such
Additional Service, does not violate Law, a then-existing executed written
agreement between the Service Provider and a non-affiliated third party or the
Service Provider's then-current Policies and procedures.

            "Sales Taxes" has the meaning set forth in Section 6(e).

            "Senior Executive" has the meaning set forth in Section 11(b).

            "Service Coordinator" has the meaning set forth in Section 8(a).

            "Service Provider" means, as applicable, Parent or Purchaser,
respectively, to the extent providing, or causing to be provided by a
Subcontractor, any TSA Service.

            "Service Provider Indemnified Party" has the meaning set forth in
Section 12(b).

            "Service Provider Indemnifying Party" has the meaning set forth in
Section 12(b).

            "Service Provider Licensed Materials" has the meaning set forth in
Section 13(c).

            "Service Recipient" means, as applicable, Parent on behalf of itself
or its Affiliates, or Purchaser on behalf of itself, the Acquired Subsidiaries,
any of its Affiliates or the Joint Ventures, to the extent any such of the
foregoing is a recipient of TSA Services.

            "Service Recipient Indemnified Party" has the meaning set forth in
Section 12(a).

            "Service Recipient Indemnifying Party" has the meaning set forth in
Section 12(b).

            "Service Recipient Materials" has the meaning set forth in Section
13(a)(i).

            "Service Shortfall" has the meaning set forth in Section 4(d).

            "Subcontractor" has the meaning set forth in Section 5.

            "Systems" has the meaning set forth in Section 13(g)(ii).

            "Term" has the meaning set forth in Section 7(a).

            "Terminating Party" has the meaning set forth in Section 7(c)(i).

            "Third Party Claim" has the meaning set forth in Section 12(e).

            "TPC Services" has the meaning set forth in Section 2(a)(ii)(C).

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            "TPC TSA" has the meaning set forth in Section 2(a)(ii)(C).

            "TSA Audit" has the meaning set forth in Section 6(h).

            "TSA Contacts" has the meaning set forth in Section 8(b).

            "TSA Monthly Invoice" means an invoice setting forth the amounts
payable by or on behalf of the Service Recipient, for all applicable TSA
Services and any applicable activities performed pursuant to Section 2(j)(i)
hereof provided to it or its Affiliates or Joint Ventures hereunder, accompanied
by reasonable documentation supporting the charges sufficient to allow the
Service Recipient (or its Affiliate or Joint Venture, as the case may be) to
confirm the accuracy of such charges and to permit attribution of such charges
to the country in which such Service Recipient, Affiliate or Joint Venture is
located, which invoice shall be delivered pursuant to Section 6(c) of this
Agreement.

            "TSA Records" has the meaning set forth in Section 6(g).

            "TSA Services" means the Parent Services, the Acquired Subsidiaries
Services and the Omitted Services or any of them, as the context requires,
together with any Additional Services. The TSA Services shall include all
components, subtasks and subservices necessary for the provision and receipt
thereof.

            "Unauthorized Access" has the meaning set forth in Section 25(e).

            "U.S. Term" has the meaning set forth in Section 7(a).

      SECTION 2. SERVICES AND ACTIVITIES.

            (a) TSA SERVICES.

                  (i) PARENT SERVICES. Parent will continue to provide, or cause
      to be provided by its Affiliates or Subcontractors, to the Acquired
      Subsidiaries or, at Purchaser's direction, the Acquired Subsidiaries'
      Affiliates, Purchaser or the Joint Ventures all services, support,
      facilities, and other resources that Parent or Sellers, or their
      respective Affiliates or Subcontractors, provided, or caused to be
      provided, to the Acquired Subsidiaries or the Joint Ventures during the
      Pre-Closing Period, including as set forth on Schedule 2(a) hereto
      (designated as "Forward"), except as otherwise mutually agreed in writing
      by Purchaser and Parent prior to the Effective Date (the "Parent
      Services").

                        (A) In the event that Purchaser internally restructures,
            reorganizes or transfers the Business to a Purchaser Affiliate,
            Parent shall be obligated to continue to provide, or cause to be
            provided, the Parent Services to the Purchaser Affiliate insofar as
            it conducts the Business. Parent shall at all times assist and
            cooperate with any Purchaser Affiliate that supports the Business,
            only insofar as it supports the Business.

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                        (B) Parent has no obligation to provide, or cause to be
            provided, TSA Services to Purchaser for itself or on behalf of any
            Affiliate of Purchaser or Joint Venture that was not part of the
            Business prior to the Effective Date, except as set forth in Section
            2(a)(i)(A) hereof.

                  (ii) ACQUIRED SUBSIDIARIES SERVICES. Purchaser shall cause the
      Acquired Subsidiaries to continue to provide, or cause to be provided by
      its Affiliates or Subcontractors, to Parent or its Affiliates, all
      services, support, facilities, and other resources hereto that they
      provided, or caused to be provided, to Parent or such Affiliates during
      the Pre-Closing Period, as set forth on Schedule 2(a) hereto (designated
      as "Reverse"), except as otherwise mutually agreed by Purchaser and Parent
      prior to the Effective Date (the "Acquired Subsidiaries Services").

                        (A) In the event that Parent internally restructures,
            reorganizes or transfers the business to which the Acquired
            Subsidiaries Services relate to another Parent Affiliate, Purchaser
            shall be obligated to continue to provide, or cause to be provided,
            the Acquired Subsidiaries Services to the Parent Affiliate, insofar
            as it conducts the business to which the Acquired Subsidiaries
            Services relate, except with regard to the Acquired Subsidiary
            Services set forth on Schedule 2(a)(ii)(A).

                        (B) Purchaser has no obligation to provide, or cause to
            be provided, TSA Services or Additional Services to Parent on behalf
            of any Parent Affiliate that was not a Parent Affiliate prior to the
            Effective Date, except as set forth above in Section 3(b)(ii)(A)
            hereof.

                        (C) The Acquired Subsidiaries Services shall include all
            services and related support, if any, provided by the Acquired
            Subsidiaries to Travelers Property Casualty Corp. as of the
            Effective Date under the Transition Services Agreement (the "TPC
            TSA") between Citigroup, Inc. and Travelers Property Casualty Corp.,
            dated August 19, 2002 (the "TPC Services").

                  (iii) OMITTED SERVICES. If, at any time within one hundred
      twenty (120) days following the Effective Date, either party becomes aware
      of any other service, support, facility or other resource that had been
      provided during the Pre-Closing Period but which was omitted from Schedule
      2(a) (collectively, the "Omitted Services"), then upon providing an
      Operations Notice to the other party, such service, support, facility or
      other resource will be added to the relevant schedule and become a TSA
      Service and the relevant Service Provider will use commercially reasonable
      efforts to resume provision of such TSA Service as soon as practicable.

                  (iv) KNOWLEDGE TRANSFER. Parent will use commercially
      reasonable efforts to maintain in place employees with adequate knowledge
      (A) to provide each Parent Service for such portion of the Term during
      which such Parent Service is being provided hereunder, and (B) to provide
      knowledge transfer to assist Purchaser in the migration and integration of
      (y) each Parent Service including, with respect to any particular Parent
      Service, for sixty (60) days following the migration and integration of

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      such Parent Service (even if such sixty (60) day period extends beyond the
      Term) and (z) each other service that Parent or its Affiliates or
      Subcontractors had provided, or caused to be provided, to the Acquired
      Subsidiaries or the Joint Ventures during the Pre-Closing Period, for
      sixty (60) days following the Effective Date; provided, that knowledge
      transfer under this Section 2(a)(iv)(B) shall only include normal customer
      service activities. Parent shall provide the knowledge transfer activities
      described in this Section 2(a)(iv) at no charge.

                  (v) INADVERTENT INCLUSIONS. In the event that Service Provider
      discovers that Schedule 2(a) includes a description of services, support,
      facilities, or other resources that were not provided to Service Recipient
      during the Pre-Closing Period, then, after reasonable consultation with
      Service Recipient, Service Provider may remove such description of
      services, support, facilities, or other resources from Schedule 2(a). If
      Service Recipient disputes such removal, the dispute shall be resolved in
      accordance with Section 11(b); otherwise, such description shall be deemed
      a request for Additional Services pursuant to Section 2(b).

            (b) ADDITIONAL SERVICES. Service Recipient may request in writing
that the Service Provider provide a service that would be an Additional Service
if provided under this Section 2(b), which request shall include a description
of the service(s) requested to be performed and the associated business
specifications.

                  (i) If the requested service is a Required Additional Service,
      then within ten (10) Business Days after the Date of Determination (as
      defined below), Service Provider shall provide the Service Recipient with
      a written proposal for such Required Additional Service. Each such written
      proposal for a Required Additional Service submitted by the Service
      Provider shall refer to the description provided by the Service Recipient
      and shall include the estimated time and price (such price to be
      calculated using the same methodology used to calculate prices for Service
      Provider's Affiliates) of performing the Required Additional Service
      (including any third-party consents necessary to perform the Required
      Additional Service) and any potential impact on the then-existing TSA
      Services. Service Provider shall have two (2) Business Days from the date
      of receipt of Service Recipient's request to notify Service Recipient if
      Service Provider does not agree that the requested service is a Required
      Additional Service. If there is a dispute as to whether the requested
      service is a Required Additional Service, it shall be resolved in
      accordance with Section 11(b) on an expedited basis. The "Date of
      Determination" shall be (i) the day Service Provider received Service
      Recipient's request, if the Service Provider does not notify Service
      Recipient in accordance with this Section 2(b)(i) that Service Provider
      does not agree that the requested service is a Required Additional Service
      or (ii) the date on which Service Provider and Service Recipient agree on
      whether the requested service is a Required Additional Service (whether as
      a result of the dispute resolution procedures in Section 11(b) or
      otherwise), if the Service Provider notifies Service Recipient in
      accordance with this Section 2(b)(i) that Service Provider does not agree
      that the requested service is a Required Additional Service. If the
      parties agree on Service Provider's written proposal or a written
      variation thereof, the Service Provider shall perform such Required
      Additional Service in accordance with the terms of this Agreement and such
      agreed upon

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      proposal. If the parties do not agree on such proposal or a written
      variation thereof within ten (10) Business Days after the date such
      written proposal is delivered to the Service Recipient, then the dispute
      as to the proposal will be resolved in accordance with Section 11 hereof;
      provided, that where the dispute is solely as to pricing, the Service
      Provider will begin providing the Required Additional Service as soon as
      practicable, regardless of whether the dispute has been resolved, and the
      price paid shall be adjusted retroactively in the manner and amount as
      determined by the dispute resolution process or as the parties may agree.

                  (ii) If the requested Additional Service is not a Required
      Additional Service, Service Provider may, at its option, participate in
      the process by which the provider of such Additional Service that is not a
      Required Additional Service is selected, but the Service Recipient shall
      have no obligation to select the Service Provider with respect to such
      Additional Service. If the parties agree on a written proposal from
      Service Provider to provide such requested Additional Service or a written
      variation thereof, the Service Provider shall perform such Additional
      Service in accordance with the terms of this Agreement and such agreed
      upon proposal, and the price of performing such Additional Service will be
      as agreed between the parties in such agreed upon proposal.

                  (iii) The agreed upon terms of each Additional Service shall
      be annexed hereto as part of Schedule 2(b).

            (c) LEASE OF REAL PROPERTY, HARDWARE, INFRASTRUCTURE AND NETWORKS.
Each Service Provider shall continue to lease or sublease, as applicable, to any
Service Recipient the real property, premises, and facilities set forth on
Schedule 2(c), and any furniture, equipment, hardware, infrastructure and
networks currently leased to or in use by such Service Recipient, consistent
with such Service Provider's practices in effect immediately prior to the
Effective Date. In the event that the parties or their Affiliates (or in the
case of Purchaser, the Joint Ventures) enter into a written lease or sublease
after the Effective Date and during the Term for any real property, premises, or
facilities set forth on Schedule 2(c), such written lease or sublease shall
supersede this Agreement with regard to such real property, premises, or
facilities, and such real property, premises, or facilities shall be deemed
removed from Schedule 2(c).

            (d) RESUMED SERVICES. If, after a TSA Service has been terminated by
the Service Recipient in accordance with Section 7(b) hereof, the Service
Recipient concludes that such TSA Service is still needed, the Service Recipient
will so notify the Service Provider, and the Service Provider will resume
providing such TSA Service, if commercially and technologically feasible. The
Service Recipient shall be responsible for all costs of Service Provider
associated with resuming such TSA Service, and to the extent practicable,
Service Provider shall have provided Service Recipient with an Operations Notice
of such expenses in advance.

            (e) NO OBLIGATION TO PROVIDE OTHER SERVICES. Except for the TSA
Services, Additional Services, knowledge transfer activities to be provided
pursuant to Section 2(a)(iv) hereof and any activities to be performed pursuant
to Section 2(j) hereof, the parties shall have no obligation to provide any
other services to pursuant to this Agreement.

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            (f) NON-EXCLUSIVITY. Nothing herein shall (i) prevent the Service
Recipient during the term of this Agreement from obtaining any of the TSA
Services from any other Person or from providing any TSA Service to itself using
its own services, support, facilities and other resources or (ii) compel the
Service Recipient to use or pay for a minimum volume of any TSA Service.

            (g) COOPERATION. Each party agrees to perform all obligations under
this Agreement in good faith and to use commercially reasonable efforts to
cooperate with the other party in all matters relating to the provision and
receipt of the TSA Services, in order to facilitate the provision and receipt of
the TSA Services, to perform the activities pursuant to Section 2(j) hereof and
to minimize the expense, distraction and disturbance to the Service Providers.
Such cooperation shall include (i) each party timely notifying the other in
advance of any material changes to such party's operating environment or
personnel that could have an adverse effect on any TSA Services or security and
working with the other party to minimize the effect of such changes, it being
understood that no change shall (A) materially disrupt or interfere with the
provision or receipt of the TSA Services, (B) free the Service Provider from its
obligations under this Agreement, or (C) diminish the service, security, or
quality levels; (ii) facilitation of re-branding of external e-mail addresses;
and (iii) cooperating with investigations by Governmental Authorities.

            (h) ACCESS, RESOURCES AND DECISIONS. The Service Recipient will use
its commercially reasonable efforts to timely provide, as reasonably and timely
requested by Service Provider, information and documentation sufficient for the
Service Provider to perform the TSA Services in the manner that they were
provided prior to the Effective Date, and will use its commercially reasonable
efforts to make available, as reasonably and timely requested by the Service
Provider, sufficient resources and timely decisions, approvals and acceptances
so that the Service Provider may perform its obligations under this Agreement in
a timely and efficient manner. Service Provider shall furnish Service Recipient
with access to the Service Provider's books and records under this Agreement in
a manner consistent with Section 6.4 of the Acquisition Agreement. To the extent
that the parties continue to lease or sublease to any Service Recipient any real
property, premises, facilities, furniture, equipment, hardware, infrastructure
and networks in accordance with Section 2(c) hereof, the lessee or sublessee, as
the case may be, shall have reasonable access to such leased or subleased
property as is necessary to conduct its business or perform its obligations
under this Agreement or the Related Agreements.

            (i) ACQUISITION AGREEMENT MATTERS. Notwithstanding anything to the
contrary contained herein or in the Acquisition Agreement, each party's
obligations under Sections 1.1, 1.3 and 1.5 of Section 6.22 of the Sellers
Disclosure Letter to the Acquisition Agreement shall cease upon the Closing.

            (j) CERTAIN ACTIVITIES.

                  (i) SEPARATION AND SEGREGATION.

                        (A) To the extent that, prior to the Effective Date,
            Parent has not completed separation and/or segregation of the
            operations of the Acquired Subsidiaries from the operations of
            Sellers and Affiliates of Sellers or separation

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            and/or segregation of all personal, private, health or financial
            information about individual policyholders, customers, consumers or
            benefits recipients related to the Business carried on by the
            Acquired Subsidiaries from any other information of Sellers or
            Affiliates of Sellers, whether by physical or logical separation of
            such data and information and/or by the use of contractual,
            administrative, technical and/or physical oversights, mechanisms and
            processes: (1) Parent shall make the completion of such separation
            and/or segregation its highest priority under this Agreement, (2)
            Parent's performance of such separation and/or segregation
            activities shall be of high quality and shall be conducted in the
            same manner as if Parent were performing such activities for a
            Parent Affiliate, (3) such lack of completion shall not affect the
            level or quality or cost of performance of the Parent Services or
            Additional Services or Parent's obligations pursuant to the Related
            Agreements, and (4) such separation and segregation shall be
            completed in such a manner so that the Business carried on by the
            Acquired Subsidiaries will, at and immediately after such separation
            and segregation has been completed, comply with (a) all applicable
            Law with respect to privacy of such data and information and (b) any
            applicable policies of, or promises made to policyholders,
            customers, consumers or benefit recipients of, any of the Acquired
            Subsidiaries, Parent or Sellers with respect to privacy of such data
            and information.

                        (B) To the extent that any Losses arise out of or are
            caused by a claim that relates to a failure to complete, prior to
            the Effective Date, separation and/or segregation of the Acquired
            Subsidiaries' operations and data from the operations and data of
            Parent and its Affiliates that arises out of the transactions
            contemplated by the Acquisition Agreement, the parties shall equally
            share such Losses. For the avoidance of doubt, to the extent any
            Losses arise out of a failure by Parent or Purchaser to properly
            separate and segregate such operations and data in accordance with
            the standards set forth in Section 2(j)(i)(A)(4) hereof (whether
            done prior to or following the Effective Date), such Losses shall be
            subject to indemnification under Sections 12(a)(ix) and 12(b)(vii)
            hereof.

                        (C) To the extent that any ambiguity arises with respect
            to whether a particular activity constitutes a TSA Service or a
            separation and/or segregation activity, such dispute shall be
            resolved in accordance with Section 11(b) hereof on an expedited
            basis.

                  (ii) TRANSITION PLANNING. To the extent not completed prior to
      the Effective Date, Parent and Purchaser shall cooperate with Purchaser
      with regard to planning the transition and migration of the Business
      (including the data, systems, operations, and administration) to
      Purchaser.

      SECTION 3. LIMITATIONS ON TSA SERVICES.

            (a) SCOPE OF REQUIRED TSA SERVICES BY PARENT. Except as otherwise
provided herein, Parent shall only be required to provide (or cause to be
provided) the Parent Services to the extent that the Acquired Subsidiaries'
business is conducted in substantially the

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same manner (inclusive of any organic growth to such business) it was conducted
immediately prior to the Effective Date.

            (b) SCOPE OF REQUIRED TSA SERVICES BY PURCHASER. Purchaser shall
only be required to provide, or cause to be provided, the Acquired Subsidiaries
Services to the extent that the applicable business of Parent and its Affiliates
is conducted in substantially the same manner (inclusive of any organic growth)
it was conducted immediately prior to the Effective Date.

            (c) NO PERFORMANCE REQUIRED UNDER CERTAIN CIRCUMSTANCES. No Service
Provider shall be required to provide any TSA Service (or portion thereof) to
the extent performance of such TSA Service (or portion thereof) would require it
to violate (i) any applicable Law, (ii) any executed written agreement in effect
as of the Effective Date between such Service Provider and a non-affiliated
third party or (iii) changes in such Service Provider's Policies and procedures
to the extent changes are made (A) after the Effective Date and (B) to comply
with Law, to respond to a new legal or regulatory issue or to respond to a
security threat (each an "Excusable Circumstance"). Each Service Provider shall
notify the Service Recipient of any Excusable Circumstance and shall cooperate
in providing alternative services that provide the same benefits and same level
and quality of performance as the TSA Service (or any portion thereof) that
could not be performed because of the Excusable Circumstance. Payment
obligations for any increases in cost resulting from the provision of such
alternative services shall be subject to the provisions of Section 10 hereof.
Notwithstanding the foregoing, the provision of all TSA Services (except for
Additional Services) by each Service Provider is deemed to comply with such
Service Provider's Policies and procedures in effect as of the Effective Date.

            (d) NO OBLIGATION TO HIRE. No Service Provider shall be obligated to
hire any additional employees, maintain the employment of any specific employee
or acquire additional equipment or software to provide the TSA Services, perform
knowledge transfer activity pursuant to Section 2(a)(iv) hereof, or perform any
activities pursuant to Section 2(j) hereof; provided, that it maintains the
level, quality and costs of the TSA Services and/or such knowledge transfer and
other activities.

            (e) RESTRICTIONS ON WORK PRODUCT. Each party, as Service Provider,
will promptly provide an Operations Notice to the other party, as Service
Recipient, of any material restrictions, terms and conditions on Service
Recipient's rights in work product, services and deliverables provided as any
part of the TSA Services by a Subcontractor that is not an Affiliate
Subcontractor which would be otherwise be enjoyed by the Service Recipient if
such service were provided hereunder directly by Parent or Purchaser.

            (f) CONSENTS. To the extent not completed prior to the Effective
Date, Parent shall use commercially reasonable efforts to negotiate and obtain
all consents with respect to the Certain IP Agreements, with Purchaser's
participation, cooperation and approval and at Purchaser's expense. To the
extent that Purchaser does not approve of any consent arrangement and pricing
proposed by Parent for approval by Purchaser, Purchaser shall take over the
negotiation from Parent and shall complete same at Purchaser's expense (except
with respect to consents required solely to provide the Acquired Subsidiaries
Services, which shall be at Parent's expense). To the extent that Purchaser is
unable to obtain a proposal for a consent arrangement

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with respect to any Certain IP Agreement, Parent shall obtain acceptable
alternative arrangements, with Purchaser's participation, cooperation and
approval and at Purchaser's expense (except with respect to consents required
solely to provide the Acquired Subsidiaries Services, which shall be at Parent's
expense). To the extent that Purchaser does not approve of any such alternative
arrangement, including pricing therefor, Purchaser shall take over the
negotiation from Parent and shall complete same, at Purchaser's expense. Parent
shall bear all costs in connection with obtaining such consents or providing
such acceptable alternative arrangements with respect to Acquired Subsidiaries
Services. Purchaser shall bear all costs in connection with obtaining such
consents or providing such acceptable alternative arrangements with respect to
Parent Services, provided that Parent has, within ninety (90) days of the
execution of the Acquisition Agreement, identified the applicable necessary
consent to Purchaser. With respect to consents required to provide the Parent
Services, which consents relate to agreements that Parent did not provide to
Purchaser within ninety (90) days of the date of the Acquisition Agreement or
with respect to any consents required solely to provide the Acquired
Subsidiaries Services, Parent shall bear all responsibility, liability and
expense related thereto.

            (g) NO OBLIGATION OF PARENT TO PROVIDE CERTAIN SERVICES.
Notwithstanding anything to the contrary set forth herein, Parent shall have no
obligation to provide investment management services to the Acquired
Subsidiaries under this Agreement.

      SECTION 4. STANDARDS OF TSA SERVICES, REVIEW PROCEDURES AND PENALTIES.

            (a) STANDARDS OF TSA SERVICES. The TSA Services shall be provided in
accordance with applicable Law and the Service Provider's Policies and
procedures in a good and workerlike manner and, at a minimum, at the level and
quality at which the TSA Services were provided prior to the Effective Date. In
instances where TSA Services were provided in accordance with service level
agreements or targets in effect immediately prior to the Effective Date, such
service level agreements or targets shall continue to apply to the TSA Services
provided hereunder, including any such service level agreements or targets set
forth in agreements between Parent or a Parent Affiliate and an Acquired
Subsidiary that are terminated as part of the transaction contemplated by the
Acquisition Agreement and the Related Agreements.

            (b) IMPROVEMENTS IN TSA SERVICES.

                  (i) If, due to a change in Law or a change in the Service
      Provider's Policies and procedures in accordance with Section 10 hereof, a
      Service Provider improves the level and/or quality at which any service
      that is provided to any Affiliate of Service Provider hereunder, then each
      Affiliate of Service Recipient that receives the same TSA Services
      hereunder shall receive at least the same increased level and/or quality
      of service as the Service Provider's Affiliates receiving the service that
      is the same as a TSA Service, and Service Recipient shall pay the share of
      its Affiliates receiving the TSA Service of any costs associated with such
      increase, calculated using the same methodology used to determine the
      costs paid by the Service Provider's other Affiliates that are recipients
      of such service. If Purchaser, the Acquired Subsidiaries, their
      Affiliates, or the Joint Ventures are the recipients of such TSA Service,
      the costs

                                     - 11 -
<PAGE>
      associated with such increase shall be at the same discounted rates as
      were applied to charges payable by the Acquired Subsidiaries as of the
      date of execution of the Acquisition Agreement.

                  (ii) The Service Recipient may request that the Service
      Provider improve the level and/or quality at which the Services are
      provided, and the Service Provider shall reasonably consider providing
      such Service level and/or quality, on mutually agreed terms and pricing;
      provided, that the Service Provider must provide any such increased level
      and/or quality that the Service Recipient requires due to a change in Law
      that is only applicable to the Service Recipient (or its Affiliates), so
      long as the Service Recipient agrees to bear all costs of such increase,
      which cost shall be calculated on a "time and materials" basis.

            (c) REPORTS. Each Service Provider shall provide or cause its
applicable Subcontractors to provide to the Service Recipient or the Affiliates
designated by such Service Recipient the same reports that it provided
immediately prior to the Effective Date (the "Reports"), in the same form as
provided immediately prior to the Effective Date.

            (d) FAILURE TO MEET STANDARDS FOR SERVICES, INABILITY TO PERFORM,
ERRORS. If a Service Recipient provides its corresponding Service Provider with
an Operations Notice of any failure to meet any standard of TSA Services
required by this Agreement ("Service Shortfall"), as determined by such Service
Recipient in good faith, the Service Provider shall promptly rectify such
failure at its own expense, using commercially reasonable efforts. All
significant Service Shortfalls shall be rapidly and timely escalated pursuant to
Section 11(b) hereof. If a Service Provider is unable to provide the TSA
Services (other than as otherwise expressly allowed under this Agreement) even
if such inability is due to a Force Majeure Event, such Service Provider will
cooperate in obtaining an alternative source of services as promptly as
practicable. If such inability is due to a Force Majeure Event, the parties
shall share equally any incremental costs of such alternative source of
services; in all other cases, the Service Provider shall be responsible for such
incremental costs. Each Service Provider will promptly correct any errors in the
TSA Services, in such manner and time frame as if the TSA Services were being
provided to itself, at no additional cost to the Service Recipient.

            (e) FAILURE TO PROVIDE TSA SERVICES. To the extent that Service
Provider or its Subcontractor fails to provide, or fails to timely provide, any
TSA Service as required under this Agreement or fails to meet the applicable
standard of service for any TSA Service as set forth herein, unless such failure
resulted primarily from the act or omission of Service Recipient (even if such
failure to provide TSA Services is excused by Force Majeure Events pursuant to
Section 14 hereof), then Service Recipient shall have no obligations or
liability hereunder or under the Related Agreements for failure to meet its
obligations hereunder or under the Related Agreements to the extent such failure
is attributable to Service Provider's failure to meet the applicable standard of
service until such time as Service Provider cures such failure to the extent
required to enable Service Recipient to resume fulfilling such obligations
hereunder or under the Related Agreements.

                                     - 12 -
<PAGE>
      SECTION 5. SUBCONTRACTORS.

            (a) RIGHT TO SUBCONTRACT. Each Service Provider reserves the right
to subcontract the performance of any of the TSA Services to another provider,
including third parties and the Service Provider's Affiliates, (each, a
"Subcontractor"), provided that such Service Provider shall always remain
responsible for (i) the performance of all TSA Services in accordance with the
service levels, quality and costs set forth herein and (ii) compliance by any
Subcontractor with the terms and conditions of this Agreement and for any acts
or omissions of such Subcontractor. Any TSA Service provided by a Subcontractor
will be provided on the same terms and conditions under which such Subcontractor
provides any similar service, support, facility or other resource to Service
Provider or its Affiliates generally. Each Subcontractor acting on behalf of a
Service Provider shall perform in all respects in accordance with the terms
hereof applicable to the Service Provider.

            (b) AFFILIATE SUBCONTRACTORS. Unless prohibited by Law or a new
legal or regulatory issue, each Service Provider shall cause any Subcontractor
that is also an Affiliate of such Service Provider to waive any existing,
restriction or constraint on its work product, any requirement for consent, and
any other term of service or performance (and shall not impose any other new
term) that is more onerous than that which is currently in place for services
substantially like the TSA Services or that are agreed by Parent or Purchaser
hereunder for services, support, facilities, and other resources provided
directly by either to the other (each such unprohibited Subcontractor, an
"Affiliate Subcontractor").

      SECTION 6. CONSIDERATION FOR SERVICES; FEE DISPUTE RESOLUTION.

            (a) CONSIDERATION. In full consideration for the Service Provider
providing, or causing to be provided, the TSA Services, performing, or causing
to be performed, any activities pursuant to Section 2(j) hereof, and any and all
rights granted or obligations undertaken hereunder, the Service Recipient shall
pay to the Service Provider, and reimburse the Service Provider for, each of the
following:

                  (i) the Fees for the first twelve (12) months following the
      Effective Date for TSA Services being provided in the United States and
      the first eighteen (18) months after the Effective Date for TSA Services
      being provided outside of the United States, with respect to any TSA
      Service that (A) is not an Additional Service and (B) was provided during
      the Pre-Closing Period. "Fees" means collectively: (I) the price, if
      applicable, for the equivalent of such TSA Service set forth on the 2005
      Price Lists set forth as part of Schedule 6(a)(i) hereto, multiplied by
      the applicable number of units used during the month, if applicable; (II)
      if subsection (I) does not apply, the price, if applicable, for the
      equivalent of such TSA Service that was charged during 2005 prior to the
      Effective Date by Parent or its Affiliates that are not Acquired
      Subsidiaries to the Acquired Subsidiary or Joint Venture receiving the TSA
      Service; or (III), if neither subsection (I) nor subsection (II) applies,
      the price (including fixed costs and variable costs) for such TSA Service
      or activity to be fairly inferred from the budgets set forth as part of
      Schedule 6(a)(i) hereto. At the end of each three (3) calendar month
      period during the Term following the Effective Date (or more frequently,
      upon mutual agreement), the parties shall determine what reductions, if
      any, in the Fees are appropriate (including any

                                     - 13 -
<PAGE>
      mutually agreed upon retroactive adjustments), given the TSA Services
      terminated during the preceding three (3) calendar month period or during
      the three (3) calendar month period since reductions were last determined
      in accordance with this Section 6(a)(i), in each case subject to the
      limitations of Section 6(b).

                  (ii) at the end of each three (3) calendar month period
      following the end of the first twelve (12) months after the Effective Date
      for TSA Services being provided in the United States (which shall
      additionally include the stub period of the remainder of the month in
      which this Agreement is executed if the Effective Date is other than the
      first day of the month), and at the end of each three (3) calendar month
      period following the end of the first eighteen (18) months after the
      Effective Date for TSA Services being provided outside of the United
      States (which shall additionally include the stub period of the remainder
      of the month in which this Agreement is executed if the Effective Date is
      other than the first day of the month), the then-existing Fees shall
      increase by two percent (2%). In the event that the term for TSA Services
      being provided to a location outside the United States is extended for an
      additional twelve (12) months from thirty (30) to forty-two (42) months
      pursuant to Section 7(a)(i)(A) hereof, the then-existing Fees shall
      increase by three percent (3%) at the end of each three (3) month period
      during such twelve (12) month extension; provided further that any
      increase in Fees in accordance with this Section 6(a)(ii) hereof shall not
      apply with respect to any TSA Service for which Service Recipient's
      continued requirement of such TSA Service is materially caused by Service
      Provider's failure to meet any existing service levels applicable pursuant
      to Section 4(a) or timely perform such TSA Service as contemplated in
      Section 7(a)(i)(B) hereof for the then-current three (3) month Fee
      escalation period. The foregoing increase in Fees shall continue without
      effect for each successive three (3) month Fee escalation period during
      which such failure or causation is continuing at the commencement thereof
      and upon cure of such failure or causation, the increase in Fees shall not
      be cumulative for periods when such failure or causation was continuing;

                  (iii) all charges for any TSA Services provided by a
      Subcontractor that is not an Affiliate Subcontractor; provided, that such
      charges shall be on a pass-through basis without any additional charge by
      each Service Provider. All charges for TSA Services provided hereunder by
      an Affiliate Subcontractor will be calculated in accordance with Section
      6(a)(i)hereof;

                  (iv) one-half of all costs relating to physical and
      technological separation and/or segregation of operations and data,
      including all charges for any Subcontractor; provided, that such
      Subcontractor charges and any other third party costs shall be on a
      pass-through basis without any additional charge by each Service Provider;

                  (v) any incremental costs incurred by the Service Provider to
      (A) take steps to maintain its current level of security that are required
      as a result of its provision of any TSA Services that were not provided to
      Service Recipient during the Pre-Closing Period and (B) provide security
      for Additional Services. The Service Provider shall pay any incremental
      costs required to maintain its current level of security with respect to
      the provision of any service that was provided during the Pre-Closing
      Period and is provided hereunder as a TSA Service;

                                     - 14 -
<PAGE>
                  (vi) compensation for any Additional Service that is not a
      Required Additional Service shall be in accordance with Section 2(b)(ii),
      and the compensation for any Required Additional Service shall be in
      accordance with Section 2(b)(i); and

                  (vii) all of the Service Provider's reasonable out of pocket
      expenses in connection with the provision of TSA Services by Service
      Provider or receipt of TSA Services by Service Recipient (e.g., travel
      expenses); provided, that all such out of pocket expenses shall be in
      accordance with the Service Recipient's travel policies (to the extent
      that the applicable Policies were made known to Service Provider prior to
      incurring the applicable expense), and, provided, further, that out of
      pocket expenses in excess of (A) fifteen thousand dollars ($15,000) for a
      single expense or (B) one hundred thousand dollars ($100,000) for
      aggregate expenses in a given month will not be incurred without the prior
      written approval of the Service Recipient.

            (b) LIMITATIONS ON CONSIDERATION. Notwithstanding any provision to
the contrary in Section 6(a) hereof:

                  (i) Parent shall bear any costs incurred due to termination
      penalties (including "kill fees") or penalties resulting from decreases in
      volume incurred during the Term of this Agreement under any agreements
      that Parent or any of its Affiliates has with any non-Affiliate third
      party;

                  (ii) To the extent that Parent's cost to provide any TSA
      Service increases due to hiring new personnel for procurement (also known
      as "P-2-P"), travel and entertainment expenses, human resources, e-mail,
      and job postings, Parent shall bear such increase in cost during the first
      and third full six (6) calendar-month periods of this Agreement, and
      Purchaser shall bear such increase in cost during the second and fourth
      full six (6) calendar-month periods of this Agreement; provided that the
      first full six (6) month period shall additionally include the stub period
      of the remainder of the month in which this Agreement is executed if the
      Effective Date is other than the first day of the month. In the event that
      the term for such services continues past twenty four (24) months, the
      party obligated to bear such increase in cost will alternate every three
      (3) calendar months.

            (c) PAYMENT. For each country in which a Subcontractor that is an
Affiliate of Service Provider directly or indirectly provides TSA Services to a
recipient (either an Affiliate of Service Recipient or a Joint Venture) located
in the same country: (i) such Subcontractor shall provide such recipient and
Service Recipient with an accurate TSA Monthly Invoice for such TSA Services
denominated in the local currency of such country, and (ii) such recipient shall
remit payment to such Subcontractor in the local currency of such country. For
each country in which a Subcontractor that is an Affiliate of Service Provider
directly or indirectly performs activities pursuant to Section 2(j)(i) hereof
for a recipient (either an Affiliate of Service Recipient or a Joint Venture)
located in the same country: (i) the Service Provider shall provide such
recipient and Service Recipient with an accurate TSA Monthly Invoice for such
activities performed pursuant to Section 2(j)(i) hereof by such Subcontractor
denominated in the local currency of such country, and (ii) such recipient shall
remit payment to such Subcontractor in the local currency of such country;
provided that conversion of currency, if any, shall be in

                                     - 15 -
<PAGE>
accordance with a methodology mutually agreed upon by the parties, which
methodology, at a minimum, shall allow for modification as necessary of the
applicable currency exchange rates on at least a monthly basis. For all other
TSA Services and activities performed pursuant to Section 2(j)(i) hereof,
Service Provider shall provide Service Recipient with an accurate TSA Monthly
Invoice denominated in U.S. Dollars, and Service Recipient shall remit payment
to Service Provider in U.S. Dollars. All TSA Monthly Invoices shall be provided
by the fifteenth (15th) day of the month following the end of each calendar
month (other than the calendar month that immediately follows the Effective
Date) for all applicable TSA Services rendered by the Service Provider during
such month and any applicable activities performed pursuant to Section 2(j)(i)
hereof by the Service Provider during such month. The parties acknowledge that
there may be a lag in the submission of charges from third parties relating to
the provision of TSA Services and performance of any activities pursuant to
Section 2(j)(i) hereof and that the Service Provider shall use its commercially
reasonable efforts to obtain such Subcontractor or third party invoices, and to
provide same to Service Recipient in a timely fashion. Payment of all undisputed
amounts in each TSA Monthly Invoice shall be due and payable within sixty (60)
days of receipt of such TSA Monthly Invoice.

            (d) FEE DISPUTE RESOLUTION. If a dispute arises as to any TSA
Monthly Invoice, the Service Coordinators shall use their commercially
reasonable efforts to reach an agreement with respect to such disputed amount.
If the Service Coordinators are unable to agree upon a resolution of the dispute
within ten (10) Business Days after the Service Coordinators have conferred,
then the dispute shall be settled in accordance with Section 11(a) hereof.

            (e) SALES TAXES. All consideration under this Agreement, is
exclusive of any sales, transfer, value-added, goods or services tax or similar
gross receipts based tax (including any such taxes that are required to be
withheld, but excluding all other taxes including taxes based upon or calculated
by reference to income, receipts or capital) imposed against or on services
provided ("Sales Taxes") by the Service Provider hereunder and such Sales Taxes
will be added to the consideration where applicable. Such Sales Taxes shall be
separately stated on the relevant invoice to the Service Recipient. All taxable
goods and services for which Service Recipient is compensating, or reimbursing,
Service Provider shall be set out separately from non-taxable goods and
services, if practicable. The Service Recipient shall be responsible for any
such Sales Taxes and shall either (i) remit such Sales Taxes to the Service
Provider (and the Service Provider shall remit the such amounts to the
applicable taxing authority) or (ii) provide the Service Provider with a
certificate or other acceptable proof evidencing an exemption from liability for
such Sales Taxes. In the event Service Provider fails timely to invoice Sales
Taxes on taxable goods or services covered by this Agreement, Service Provider
shall notify Service Recipient in a timely manner and Service Recipient shall
remit such Sales Taxes to Service Provider, provided, however, that Service
Recipient shall not be responsible for the payment of any additions to such
Sales Taxes, including penalties and interest imposed due to a failure by
Service Provider to remit or cause to be remitted such Sales Taxes in a timely
manner to the appropriate taxing authority, unless such failure relates to the
failure of the Service Recipient to pay to Service Provider the amount of the
Sales Taxes properly invoice in accordance with the terms herein.

            (f) NO OFFSET. In no event shall a Service Recipient offset any
amounts due hereunder by amounts owed to it hereunder as a Service Provider.

                                     - 16 -
<PAGE>
            (g) TSA RECORDS. The Service Provider (i) shall maintain, and cause
its Subcontractors to maintain, true and correct records of all receipts,
invoices, reports and other documents relating to the TSA Services rendered
hereunder (the "TSA Records") in accordance with its standard accounting and
document retention practices and procedures, which practices and procedures are
employed by the Service Provider in its provision of TSA Services or in its
provision of the same services to Affiliates of Service Provider and (ii) on an
annual basis timely provide any documentation reasonably required by auditors or
required by Law to the extent applicable to the TSA Services provided. The
Service Provider shall also provide on an annual basis any additional
documentation reasonably requested by Service Recipient to the extent applicable
to the TSA Services and any activities performed pursuant to Section 2(j)
hereof; provided, however, that Service Recipient shall pay any third party
costs incurred by Service Provider in connection with the provision of such
additional documentation; provided further, that Service Recipient shall only
pay a pro rata share of such third party costs if Service Provider or any
Affiliate of Service Provider also requested or uses such additional
documentation at the same time as Service Recipient. Service Provider shall
provide, or cause to be provided, to the Service Recipient reasonable access to
the Service Provider's TSA Records, consistent with Section 6.4(e) and Section
6.4(f) of the Acquisition Agreement.

            (h) AUDIT.

                  (i) Audit of Parent by Purchaser.

                        (A) Subject to any applicable Law, Parent shall permit
            Purchaser and its representatives to have reasonable access and
            support, subject to all terms and conditions of this Agreement
            (including confidentiality) during regular business hours and upon
            reasonable advance notice, to Parent's facilities, relevant
            personnel and records (or the relevant facilities, personnel and
            records of its Affiliates) concerning the TSA Services, solely to
            verify the existence, adequacy, testing and performance of Parent's
            controls for the processes relating to the TSA Services; such
            verification shall be conducted utilizing as a base the Parent
            Self-Assessment and Operational Risk framework in existence as of
            the Effective Date.

                        (B) Within thirty (30) days of the Effective Date,
            Parent shall provide to Purchaser copies of the Self Assessment
            Control Sheets or other equivalent documentation for the processes
            that relate to each Parent Service ("SACS") as of March 31, 2005,
            and Parent shall identify to Purchaser each Parent Service(s) to
            which the applicable SACS relate. Within fifteen (15) days following
            Purchaser's receipt of the foregoing SACS, Purchaser shall provide
            to Parent a list of those SACS for which Purchaser requires further
            testing in order to attest to the adequacy of its internal controls
            (the "Additional Audit List").

                        (C) Within sixty (60) days of the Effective Date, Parent
            shall deliver to Purchaser copies of the SACS as of June 30, 2005.
            Within thirty (30) days following the end of each subsequent
            quarter, Parent shall deliver to Purchaser copies of the SACS
            prepared as of the end of such quarter. In each case, Parent shall
            identify to Purchaser each Parent Service(s) to which the

                                     - 17 -
<PAGE>
            applicable SACS relate. Within fifteen (15) days following receipt
            of each such SACS, Purchaser shall provide Parent with an Additional
            Audit List detailing: (I) tests performed by Parent during the
            immediately prior quarter that were not conducted in accordance with
            the relevant SACS, and (II) changes in Parent's testing standards
            enacted during the prior quarter, in each case, for which Purchaser
            requires further testing in order to attest to the adequacy of its
            internal controls.

                        (D) Within fifteen (15) days following the delivery of
            an Additional Audit List, Parent shall: (I) identify for Purchaser
            those requirements of the Additional Audit List that Parent will
            perform that do not require discussion between the parties before
            such tests can be performed or enacted; (II) inform Purchaser of
            those requirements of the Additional Audit List that will require
            additional discussion between the parties before such tests can be
            performed or enacted; and (III) inform Purchaser of the requirements
            of the applicable Additional Audit List for which Parent requires
            validation from Purchaser's external auditors. Purchaser shall
            promptly provide relevant documentation, if any.

                        (E) Promptly following the receipt of any applicable
            documentation from Purchaser's external auditors pursuant to
            subsection (D), above, Parent and Purchaser (including any relevant
            external advisors) shall meet to review and discuss the Additional
            Audit List, and to reasonably negotiate a plan to address the
            Additional Audit List. All steps necessary to implement such plan
            will be at Purchaser's cost. With respect to cases where Parent and
            Purchaser cannot (using commercially reasonable efforts) agree
            whether a requirement of the Additional Audit List, or a proposed
            solution to a requirement, is reasonable then, upon Purchaser's
            request and at Purchaser's cost, Parent shall provide Purchaser with
            a SAS-70 Type II report that addresses the relevant requirements of
            the Additional Audit List.

Each time period set forth in subsections (B), (C) and (D), above, may be
extended upon mutual agreement of the Service Coordinators.

                  (ii) Audit of Purchaser by Parent. Subject to any applicable
      Law, Purchaser shall permit the Parent and its representatives to have
      reasonable access, subject to all terms and conditions of this Agreement
      (including confidentiality) during regular business hours and upon
      reasonable advance notice, to Purchaser's facilities, relevant personnel
      and records (or the relevant facilities, personnel and records of its
      Affiliates) concerning the TSA Services, solely to verify the existence,
      adequacy, testing and performance of Purchaser's internal controls for the
      processes relating to the preparation of financial results.

                  (each of (i) and (ii) above, a "TSA Audit")

                  (iii) If a TSA Audit reveals a deficiency that is material as
      applied to Service Recipient, its Affiliates or joint ventures in a given
      country, but is not material as

                                     - 18 -
<PAGE>
      applied to Service Provider, the parties shall promptly meet to develop a
      mutually-agreeable commercially reasonable plan to correct such
      deficiency. Once such plan is agreed, its implementation shall be a
      Required Additional Service, and shall receive Service Provider's highest
      priority under this Agreement. All costs of the foregoing activities shall
      be paid by the Service Recipient.

                  (iv) If a TSA Audit reveals a deficiency that is material as
      applied to Service Provider and Service Recipient, Service Recipient shall
      pay its share of any costs associated with such the correction of such
      deficiency, calculated using the same methodology used to determine the
      costs paid by the Service Provider's other Affiliates to which such
      deficiency applies. The development and implementation of the plan to
      correct such deficiency will be addressed by Service Provider as a matter
      of high priority.

      SECTION 7. TERM AND TERMINATION.

            (a) PERIOD OF SERVICES.

                  (i) Except with regard to TPC Services and Additional
      Services, the Service Provider hereby agrees to provide or cause to be
      provided the TSA Services for the period of time beginning on the
      Effective Date and ending, in the case of TSA Services being provided to a
      location within the United States, twenty-four (24) months thereafter (the
      "U.S. Term"), and, in the case of TSA Services being provided to a
      location outside of the United States, thirty (30) months thereafter (the
      "International Term" and, together with the U.S. Term, the "Term"), unless
      such service is earlier terminated as provided herein. Unless Purchaser
      and Parent mutually agree otherwise, the Service Provider shall have no
      obligation to provide, and the Service Recipient shall have no right to
      receive, the TSA Services beyond the expiration of the Term, except or to
      the extent that (A) Purchaser or Parent becomes aware, at any time during
      transition planning prior to the Effective Date of any material issues not
      known to Purchaser prior to the execution of the Acquisition Agreement
      that would materially delay the transition, integration or migration of
      the TSA Services outside the United States (and in Parent's case, Parent
      shall promptly disclose such material issues to Purchaser), in which case
      the term for TSA Services outside the United States shall be extended from
      thirty (30) months to forty-two (42) months or (B) Parent's failure to
      meet the standards of Section 4 hereof or to timely perform any TSA
      Service or any activities pursuant to Section 2(j) hereof materially
      delays the migration, integration or transition in which case the relevant
      Term shall be extended to account for such delay.

                  (ii) The Term of any Additional Services shall be determined
      on a case-by-case basis as mutually agreed by Parent and Purchaser.

                  (iii) Each TPC Service shall continue until the earliest of
      the following dates to occur: (A) the time period required under the TPC
      TSA for the provision of such TPC Services, (B) termination of such
      service in accordance with the TPC TSA, (C) termination of the TPC TSA in
      accordance its terms, or (D) termination of this Agreement.

                                     - 19 -
<PAGE>

                  (b) TERMINATION OF INDIVIDUAL TRANSITION SERVICES. Any
individual TSA Service (including any TSA Service that is part of a consolidated
description on Schedule 2(a) hereof) may be terminated by Service Recipient in
accordance with this Section 7(b) or by either party in accordance with Section
7(c) hereof. The termination of any individual TSA Service in accordance with
this Section 7(b) shall not terminate any other TSA Service or terminate this
Agreement with respect to any other TSA Service or any other service or activity
provided hereunder. Service Recipient may terminate a TSA Service, for any
reason or no reason, and shall terminate a TSA Service for which it has
completed the transition or replacement thereof, by providing to Service
Provider an Operations Notice describing the TSA Service to be terminated and
setting forth the termination date, not fewer than thirty (30) days prior to the
proposed termination date (unless such TSA Service is an Additional Service and
the parties have explicitly provided for an alternate means of termination, in
which case such alternate means shall be followed). Upon such termination date,
charges for such terminated TSA Service shall cease to accrue, but the Service
Recipient shall continue to be responsible for the costs of any other TSA
Services being provided hereunder. It is expressly understood that (i) so long
as the required Operations Notice is given in accordance with this Section 7(b),
Purchaser shall have no obligation to pay for any "early-termination" or "kill
fee" costs, or penalties for volume decreases or other expenses payable to third
parties (including Subcontractors) or incurred internally by Parent as a result
of the termination of any TSA Service in accordance with the terms of this
Section 7(b), and (ii) the termination of an individual TSA Service for which
Schedule 6(a)(i) sets forth a fixed cost shall not relieve the Service Recipient
of its responsibility for any remaining fixed costs calculated in accordance
with Schedule 6(a)(i).

                  (c) TERMINATION OF AGREEMENT.

                           (i) Either party (in this context, a "Terminating
         Party") may terminate this Agreement (or with respect to Section
         7(c)(i)(A) hereof, an individual TSA Service(s)) with immediate effect
         by providing an Administration Notice and an Operations Notice to the
         other party (in this context, the "Non-Terminating Party") upon or at
         any time after the occurrence of any of the following events:

                                    (A) The Non-Terminating Party is in default
                  of any of its material obligations under this Agreement or of
                  any of its material obligations with respect to an individual
                  TSA Service;

                                    (B) The Non-Terminating Party shall commence
                  a voluntary case or other proceeding seeking liquidation,
                  reorganization or other relief with respect to itself or its
                  debts under any bankruptcy, insolvency or other similar law
                  now or hereafter in effect, or seeking the appointment of a
                  trustee, receiver, liquidator, custodian or other similar
                  official for it or any substantial part of its property, or
                  shall consent to any such relief or to the appointment of or
                  taking possession by any such official in an involuntary case
                  or other proceeding commenced against it, or shall make a
                  general assignment for the benefit of creditors, or shall fail
                  generally to pay its debts as they become due, or shall take
                  any corporate action to authorize any of the foregoing; and

                                      -20-
<PAGE>
                                    (C) An involuntary case or other proceeding
                  shall be commenced against the Non-Terminating Party seeking
                  liquidation, reorganization or other relief with respect to it
                  or its debts under any bankruptcy, insolvency or other similar
                  law now or hereafter in effect or seeking the appointment of a
                  trustee, receiver, liquidator, custodian or other similar
                  official for it or any substantial part of its property, and
                  such involuntary case or other proceeding shall remain
                  undismissed and unstayed for a period of sixty (60) days, or
                  an order for relief shall be entered against the
                  Non-Terminating Party.

                  (d) EFFECT OF TERMINATION; RETURN OF MATERIALS. As promptly as
practicable upon termination of this Agreement, or, if applicable, upon earlier
termination of any particular TSA Service or completion of any particular
activity pursuant to Section 2(j) hereof (i) each party will return to the other
party all materials and property in its possession or control (or the possession
or control of an Affiliate) which is owned by or licensed to such other party or
its Affiliates, and (ii) Service Provider shall promptly archive and/or purge
from its Systems in accordance with its then-current Policies and procedures
(and shall purge or cause to be purged from the systems of Service Provider's
Subcontractors, as the case may be) all Service Recipient Materials that are no
longer needed for the performance of other TSA Services under this Agreement or
activities pursuant to Section 2(j) hereof and shall deliver such Service
Recipient Materials and a true, complete and current copy of the applicable
Service Provider Licensed Materials to Service Recipient in accordance with
Section 13(e) hereof.

         SECTION 8. TRANSITION PROJECT MANAGEMENT.

                  (a) SERVICE COORDINATOR. Each of the Parent and the Purchaser
shall appoint a representative to act as the primary contact person with respect
to the performance of the TSA Services (each, a "Service Coordinator"). The
initial Service Coordinators, including relevant contact information (including
business addresses, email addresses, telephone numbers and facsimile numbers),
are set forth on Schedule 8(a). Schedule 8(a) shall also include the name and
relevant contact information for each Service Coordinator's backup, who shall
perform the Service Coordinator's duties if the Service Coordinator is not
available. Each party may replace its Service Coordinator (or the backup Service
Coordinator) with an employee or officer with comparable knowledge, expertise
and decision-making authority after reasonable consultation with the other party
as to the proposed replacement by providing an Operations Notice, and such
change shall be effective upon the other party's receipt of such Operations
Notice.

                  (b) TSA CONTACTS. Each of the Parent and the Purchaser shall
designate one financial and one legal contact who have knowledge of this
Agreement to assist the applicable Service Coordinator. Contact information for
each party's initial TSA Contacts (including business addresses, email
addresses, telephone numbers and facsimile numbers), are set forth on Schedule
8(b). Each party may replace its TSA Contacts with an employee or officer with
comparable knowledge, expertise and decision-making authority after reasonable
consultation with the other party as to the proposed replacement by providing an
Operations Notice, and such change shall be effective upon the other party's
receipt of such Operations Notice.

         SECTION 9. RELATIONSHIP BETWEEN THE PARTIES. The relationship
established between the parties under this Agreement shall be that of
independent contractors, and nothing in this

                                      -21-
<PAGE>
Agreement shall cause the relationship between the Service Provider and the
Service Recipient to be deemed to constitute an agency, partnership or joint
venture. The terms of this Agreement are not intended to constitute a joint
employer for any purpose between any of the parties and their Affiliates. Each
of the parties agrees that the provisions of this Agreement as a whole are not
intended to, and do not, constitute control of the other party (or any
Affiliates thereof) or provide it with the ability to control such other party
(or any Affiliates thereof), and each party hereto expressly disclaims any right
or power under this Agreement to exercise any power whatsoever over the
management or policies of the other (or any Affiliates thereof). Except as
otherwise expressly set forth herein, neither the Service Provider nor the
Service Recipient shall incur any liability with respect to the financial
obligations of the other party under this Agreement. Each party shall be solely
responsible under this Agreement for staffing, instructing and compensating its
personnel who perform such TSA Services.

         SECTION 10. CHANGES.

                  (a) CHANGES IN SERVICES. Each Service Provider may change (x)
its Policies and procedures or the Policies and procedures of those of its
Affiliates that are providing TSA Services hereunder, (y) Subcontractors, or (z)
the location from which any TSA Service is provided at any time (each, a
"Change") subject to the following conditions:

                           (i) No Change shall affect the level or quality or,
         except as expressly provided herein, the cost to Service Recipient of
         performance of the TSA Services provided by such Service Provider.

                           (ii) To the extent that a Change was required in
         order to comply with a change in Law, a new legal or regulatory issue
         or to respond to a security threat, Service Recipient shall pay its
         share of any costs associated with such Change, calculated using the
         same methodology used to determine the costs paid by the Service
         Provider's other Affiliates that are recipients of such service. If the
         Acquired Subsidiaries, their Affiliates or the Joint Ventures are the
         Service Recipients of such TSA Services, the costs associated with such
         increase shall be at the same discounted rates as were applied to
         charges payable by the Acquired Subsidiaries as of the date of the
         Effective Date. Notwithstanding the foregoing, at Service Recipient's
         request the parties will use commercially reasonable efforts to find
         ways to isolate the Service Recipient, at Service Recipient's expense,
         from any such Change and allow the Service Recipient to opt out from
         such Change; provided, that the Service Provider does not incur any
         costs in connection therewith.

                           (iii) To the extent that a Change in Subcontractor or
         a Change in the location from which any TSA Service is provided will
         affect the Service Recipient solely or primarily, the Service Provider
         shall provide the Service Recipient with a reasonable prior Operations
         Notice of such Change.

                           (iv) Service Provider shall provide notice of changes
         to its Policies and procedures to Service Recipient in the same manner
         as Service Provider provides notice of such changes to applicable
         Affiliates.

                                      -22-
<PAGE>
                  (b) CHANGES IN SECURITY. Other than a Change under Section
10(a)(ii), any Service Provider may take physical or information security
measures that affect the manner in which TSA Services are provided, so long as
(i) the substance, service, security and quality levels of any affected TSA
Services are not reduced below the levels in effect prior to the Effective Date,
and (ii) the costs payable by the Service Recipient remain the same or less, and
(III) the Service Recipient is promptly notified in writing of such measures and
the anticipated affect on the TSA Services.

                  (c) CHANGES IN FEES. The parties acknowledge that the Fees for
the TSA Services are based on current volumes plus organic growth. In the event
a Service Recipient expands its business through acquisition or other similar
means (e.g., excluding organic growth), the Service Provider shall give good
faith consideration to providing the TSA Services to the acquired business,
except that any TSA Service that increases in volume as a result of the Copeland
Acquisition shall be provided by Service Provider at such increased volume and
the Fees for such increased volume shall be calculated in accordance with the
methodology for accounting for organic growth of such TSA Service.

         SECTION 11. DISPUTE RESOLUTION.

                  (a) RESOLUTION BY THE SERVICE COORDINATORS. If any dispute
shall arise between the parties under this Agreement (excluding any dispute
regarding the amount of any TSA Monthly Invoice, as to which the provisions of
Section 6(d) hereof shall apply), whether such dispute arises before or after
the termination of this Agreement, such dispute shall be submitted for
resolution by the Service Coordinators in accordance with this Section 11. In
the event of such a dispute, the party raising the problem shall submit an
Operations Notice thereof in writing to the Service Coordinators.

                  (b) DISPUTE ESCALATION.

                           (i) If the Service Coordinators are unable to resolve
         a dispute within five (5) Business Days after the dispute has been
         referred to them pursuant to Section 11(a) (or such other time period
         as the Service Coordinators may agree upon or if the terms of this
         Agreement otherwise provide), the dispute shall be referred to referred
         to a senior executive of each of Parent and the Purchaser (each, a
         "Senior Executive"); each party's initial Senior Executives, including
         relevant contact information, are set forth on Schedule 11(b)(i). Each
         party may replace its Senior Executive with an employee or officer with
         comparable knowledge, expertise and decision-making authority by
         providing an Administration Notice and an Operations Notice, and such
         change shall be effective upon the other party's receipt of such
         Administration Notice and Operations Notice.

                           (ii) If the Senior Executives are unable to resolve a
         dispute within ten (10) Business Days after the dispute has been
         referred to them pursuant to Section 11(b)(i) (or such other time
         period as the Senior Executives may agree upon), the dispute shall be
         referred to a committee (the "Executive Committee"), which shall
         include at least one member of the senior management of each of Parent
         and Purchaser; each party's initial members of the Executive Committee,
         including relevant contact information, are

                                      -23-
<PAGE>
         set forth on Schedule 11(b)(i). Each party may replace one or more of
         its Executive Committee members with an employee or officer with
         comparable knowledge, expertise and decision-making authority by
         providing an Administration Notice and an Operations Notice, and such
         change shall be effective upon the other party's receipt of such
         Administration Notice and Operations Notice.

                           (iii) If the Executive Committee is unable to resolve
         the dispute within ten (10) Business Days after the dispute has been
         referred to it pursuant to Section 11(b)(ii) (or such other time period
         as the Executive Committee may agree upon) using good faith
         commercially reasonable efforts to resolve such disputes, either party
         shall be free to pursue its rights and remedies hereunder in any
         competent court permitted herein. Notwithstanding the foregoing, in the
         event of a dispute concerning significant Service Shortfalls, such
         dispute will be resolved pursuant to the escalation schedule set forth
         in Schedule 11(b)(ii) hereto.

                  (c) SPECIFIC PERFORMANCE AND OTHER EQUITABLE RELIEF. The
parties hereby expressly recognize and acknowledge that immediate, extensive and
irreparable damage would result, no adequate remedy at law would exist and
damages would be difficult to determine if any TSA Service, any knowledge
transfer activity to be provided pursuant to Section 2(a)(iv) hereof, or any
activity to be performed pursuant to Section 2(j) hereof is not performed for
which Service Provider is the only reasonably available source of knowledge or
expertise relating to such TSA Service, knowledge transfer activity to be
provided pursuant to Section 2(a)(iv) hereof, or any activity to be performed
pursuant to Section 2(j) hereof; provided that the term "reasonably available"
in this Section 11(c) shall not apply to the costs associated with an alternate
service provider, but shall otherwise apply including as to timing, quality of
services and scope of services. Therefore, in addition to, and not in limitation
of, any other remedy available to either party, Service Recipient shall be
entitled to specific performance of only such TSA Services, knowledge transfer
activities, or separation or segregation activities that meet the foregoing
criteria and immediate injunctive relief, without the necessity of (i) proving
the inadequacy of money damages as a remedy or (ii) posting a bond. Such
remedies, and any and all other remedies provided for in this Agreement, shall,
however, be cumulative in nature and not exclusive and shall be in addition to
any other remedies whatsoever which either party may otherwise have.
Notwithstanding anything to the contrary in this Agreement, without first
complying with Section 11(a) hereof or Section 11(b) hereof, either party may
seek immediate equitable relief in any competent court permitted under this
Agreement for purposes of limiting or otherwise resolving a suspected (A) breach
of a duty of confidentiality hereunder, (B) breach of security or (C)
infringement of intellectual property rights by or through the other party (and
may simultaneously bring any non-equitable but pendent claims that may otherwise
be lost for failure to plead them at such time).

                  (d) GROUND FOR DISMISSAL. Except as set forth in the final
sentence of Section 11(c) hereof, a party's failure to comply with the
requirements of Section 11(a) or Section 11(b) hereof applicable under the
circumstances before commencing a legal proceeding shall constitute cause for
the dismissal without prejudice of such proceeding.

         SECTION 12. INDEMNIFICATION.

                                      -24-
<PAGE>
                  (a) INDEMNIFICATION BY SERVICE PROVIDER. Each party, as a
Service Provider (in this context, an "Service Provider Indemnifying Party" and
such party being an Indemnifying Party) agrees to indemnify and hold harmless
the other party, each of its Affiliates, each of its Joint Ventures (where
Purchaser is the party being indemnified and held harmless), and its and their
respective officers, directors, employees, agents and representatives (each, a
"Service Recipient Indemnified Party" and such party being an Indemnified
Party), from any and all Losses to the extent arising out of or caused by any of
the following: (i) any material breach by the Service Provider Indemnifying
Party of any obligation set forth in this Agreement or in any certificate or
other document delivered pursuant hereto; (ii) so long as the applicable TSA
Service has not been modified or altered by Service Recipient (unless Service
Provider (A) directed Service Recipient to perform the modification or
alteration or (B) was aware that Service Recipient's modification or alteration
would infringe any Intellectual Property right of any third party at or prior to
the time such modification or alteration was made and did not inform Service
Recipient of such infringement at or prior to the time such modification or
alteration was made) infringement of any Intellectual Property right of any
third party claimed or threatened against Service Recipient or Service Provider
during the first eighteen (18) months of the Term; (iii) the Service Provider
Indemnifying Party's failure to cooperate to obtain a consent from a third party
after the Effective Date; (iv) with respect to Parent, Parent's failure to
obtain a consent from a third party whose consent was needed in order for
Service Provider to provide, or Service Recipient to receive, a TSA Service
pursuant hereto and which Parent failed to identify within ninety (90) days of
the execution of the Acquisition Agreement as a third party from which a consent
was needed; (v) failure to obtain consents and approvals from any Governmental
Authority; (vi) the Service Provider Indemnifying Party's material failure to
comply with its privacy and security Policies or Law; (vii) the Service Provider
Indemnifying Party's breach of its confidentiality obligations hereunder; (viii)
the Service Provider Indemnifying Party's gross negligence or willful
misconduct; and (ix) a failure on or after the Effective Date to separate and
segregate the Acquired Subsidiaries' operations and data from the operations and
data of Parent and its Affiliates that is such party's fault, unless otherwise
addressed under Section 2(j)(i)(B) hereof.

                  (b) INDEMNIFICATION BY SERVICE RECIPIENT. Each party, as a
Service Recipient (in this context, a "Service Recipient Indemnifying Party" and
such party being an Indemnifying Party) agrees to indemnify and hold harmless
the Service Provider and its and their the respective officers, directors,
employees, agents and representatives (each, a "Service Provider Indemnified
Party," and such party being an Indemnified Party), from any and all Losses to
the extent arising out of or caused by any of the following: (i) the Service
Recipient Indemnifying Party's willful misconduct or gross negligence; (ii) the
acts or omissions of the Service Recipient Indemnifying Party except for such
acts or omissions (A) required hereunder or (B) taken at the direction of the
Service Provider Indemnified Party; (iii) the Service Recipient Indemnifying
Party's material failure to comply with Law; (iv) acts taken by the Service
Provider Indemnified Party at the Service Recipient Indemnifying Party's
direction; (v) if the applicable TSA Service has been modified or altered by the
Service Recipient Indemnifying Party (unless Service Provider (A) directed
Service Recipient to perform the modification or alteration or (B) was aware
that Service Recipient's modification or alteration would infringe any
Intellectual Property right of

                                      -25-
<PAGE>
any third party at or prior to the time such modification or alteration was made
and did not inform Service Recipient of such infringement at or prior to the
time such modification or alteration was made), infringement of any Intellectual
Property right of any third party during the first eighteen (18) months of the
Term; (vi) the Service Recipient Indemnifying Party's failure to cooperate to
obtain a consent from a third party; and (vii) a failure on or after the
Effective Date to separate and segregate the Acquired Subsidiaries' operations
and data from the operations and data of Parent and its Affiliates that is such
party's fault, unless otherwise addressed under Section 2(j)(i)(B) hereof.

                  (c) LIMITATION ON LIABILITY. Each party's liability (and any
liability of a party's Affiliates) under this Agreement shall be limited to the
greater of: (i) the aggregate value of Fees received by such party as Service
Provider from Service Recipient or (ii) seven million five hundred thousand
dollars ($7,500,000), but no such limitation shall apply to the indemnities set
forth in Section 12(a) hereof or to consequential damages permitted pursuant to
Section 12(f) hereof.

                  (d) EXCLUSIONS. Notwithstanding anything contained in this
Agreement to the contrary, in no event shall any Indemnifying Party be obligated
under this Section 12 to indemnify an Indemnified Party otherwise entitled to
indemnity hereunder in respect of any Losses to the extent that such Losses
result from (i) the Indemnified Party's willful misconduct or gross negligence,
(ii) the acts or omissions of the Indemnified Party except for such acts or
omissions (A) required hereunder or (B) taken at the direction of the
Indemnifying Party, (iii) violation of Law by the Indemnified Party, or (iv)
acts taken by the Indemnifying Party at the Indemnified Party's direction that
could not have been refused or performed in a manner that avoided the injury
which is the subject of the indemnification claim and where the Indemnified
Party knew or should have known such act would cause the injury that is the
subject of the indemnification claim.

                  (e) THIRD PARTY CLAIMS; PROCEDURES. Upon receipt by an
Indemnified Party of a notice of any action, suit, proceedings, claim, demand or
assessment made or brought by an unaffiliated third party (a "Third Party
Claim") with respect to a matter for which such Indemnified Party is indemnified
under this Section 12 which has or is expected to give rise to a claim for
Losses, the Indemnified Party shall timely provide the Indemnifying Party with
an Administration Notice, indicating the nature of such Third Party Claim and
the basis therefor; provided, however, that any delay or failure by the
Indemnified Party to provide an Administration Notice to the Indemnifying Party
shall relieve the Indemnifying Party of its obligations hereunder only to the
extent, if at all, that it is prejudiced by reason of such delay or failure.
Upon receipt of an Administration Notice of a Third Party Claim from an
Indemnified Party, the Indemnifying Party shall timely elect, by providing an
Administration Notice to the Indemnified Party, at the Indemnifying Party's
option, to assume and control the defense thereof, at its own expense and by its
own counsel. If the Indemnifying Party shall undertake to compromise or settle
any such Third Party Claim, it shall promptly so notify the Indemnified Party,
and the Indemnified Party shall cooperate fully with the Indemnifying Party and
its counsel in the compromise or settlement of such Third Party Claim.
Notwithstanding the foregoing, the Indemnifying Party shall not compromise or
settle, or admit any liability with respect to, any such Third Party Claim,
without the prior written consent of the Indemnified Party (which consent will
not be unreasonably withheld or delayed), unless the relief consists solely of
money Losses to be paid by the Indemnifying Party and includes a provision
whereby the plaintiff or claimant in the matter releases each relevant
Indemnified Party from all liability with respect thereto. Notwithstanding an
election to assume the defense of such action or proceeding, the Indemnified
Party shall have the right to employ separate counsel and to participate in the
defense of such action or

                                      -26-
<PAGE>
proceeding, and the Indemnifying Party shall bear the reasonable fees, costs and
expenses of such separate counsel if the (A) Indemnified Party shall have
determined in good faith that an actual or potential conflict of interest makes
representation by the same counsel or the counsel selected by the Indemnifying
Party inappropriate or (B) Indemnifying Party shall have authorized the
Indemnified Party to employ separate counsel at the Indemnifying Party's
expense. In any event, the Indemnified Party and Indemnifying Party and their
counsel shall cooperate in the defense of any Third Party Claim subject to this
Section 12, including by providing the other with (i) information regarding all
developments relating to any such Third Party Claims, and (ii) provide copies of
all relevant correspondence and documentation relating thereto. All costs and
expenses incurred in connection with the Indemnified Party's cooperation shall
be borne by the Indemnifying Party. In any event, the Indemnified Party shall
have the right at its own expense to participate in the defense of such asserted
liability. If the Indemnifying Party receiving such Administration Notice of a
Third Party Claim does not elect to defend such Third Party Claim or does not
defend such Third Party Claim in good faith, the Indemnified Party shall have
the right, in addition to any other right or remedy it may have hereunder, at
the Indemnifying Party's expense, to defend such Third Party Claim; provided,
however, that the Indemnified Party shall not settle, compromise or discharge,
or admit any liability with respect to, any such Third Party Claim without the
written consent of the Indemnifying Party (which consent will not be
unreasonably withheld or delayed).

                  (f) CONSEQUENTIAL DAMAGES. Neither party, as Service Provider,
shall be liable or responsible to the other party as Service Recipient or,
through Service Recipient, to any Service Recipient Indemnified Party, for
indirect, special, punitive, incidental, consequential or multiplied damages;
provided, that a Service Provider shall be liable for consequential damages
solely to the extent arising out of such Service Provider's willful misconduct.

                  (g) OTHER LOSSES. For all claims other than Third Party Claims
for which an Indemnified Party is indemnified under this Section 12, the parties
shall resolve the claim in accordance with Section 11 hereof.

                  (h) EXCLUSIVE REMEDY. Each party hereto expressly acknowledges
that, other than as set forth herein, the provisions of this Section 12 shall be
the sole and exclusive remedy for all monetary claims resulting from any breach
by the other party of any covenant set forth in this Agreement, except that the
remedies of injunction and specific performance shall remain available to the
parties hereto.

                  (i) DISCLAIMER OF WARRANTIES. EXCEPT AS EXPRESSLY SET FORTH IN
THE ACQUISITION AGREEMENT OR THE RELATED AGREEMENTS, NEITHER PARTY MAKES, AND
EACH PARTY EXPRESSLY DISCLAIMS, ANY AND ALL REPRESENTATIONS OR WARRANTIES
WHATSOEVER, WHETHER EXPRESS, IMPLIED OR STATUTORY, WITH RESPECT TO THE SERVICES
OR OTHER ACTIVITIES TO BE PROVIDED OR PERFORMED UNDER THIS AGREEMENT, INCLUDING
WARRANTIES WITH RESPECT TO MERCHANTABILITY, OR SUITABILITY OR FITNESS FOR A
PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF ANY SOFTWARE OR HARDWARE
PROVIDED HEREUNDER, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF

                                      -27-
<PAGE>
PERFORMANCE OR TRADE USAGE. NOTHING IN THIS AGREEMENT IS INTENDED TO LIMIT ANY
RIGHTS OR REMEDIES OF EITHER PARTY UNDER THE ACQUISITION AGREEMENT OR THE
RELATED AGREEMENTS OR LIMIT ANY INDEMNITY HEREUNDER.

         SECTION 13. OWNERSHIP, LOST DATA AND SECURITY.

                  (a) OWNERSHIP. Each Service Recipient shall be the sole and
exclusive owner of all data that relates solely to, and all source code and
other results and proceeds of TSA Services and Additional Services created
solely for, such Service Recipient by Service Provider, and any third party
materials created solely for such Service Recipient and to which Service
Provider has ownership rights, excluding only Excluded Works (the "Service
Recipient Materials"). The parties agree that the Service Recipient Materials
shall be considered "works made for hire" (within the meaning of the United
States Copyright Law) of Service Recipient and that Service Recipient shall
solely and exclusively own the Service Recipient Materials in whatever stage of
completion in which they may exist from time to time. In the event such Service
Recipient Materials are for any reason or in any jurisdiction determined not to
be "works made for hire," then the Service Provider hereby irrevocably and
exclusively transfers, sells, and assigns (or shall cause its Affiliates and
Subcontractors to transfer, sell and assign) to Service Recipient, its
successors and assigns forever and throughout the world, all right, title and
interest in the Service Recipient Materials, including all copyrights and all
rights generally known as the "moral rights of authors" and Service Recipient
shall solely and exclusively own the Service Recipient Materials in whatever
stage of completion in which they may exist from time to time. Upon request of
Service Recipient from time to time, at Service Recipient's expense, Service
Provider shall promptly take such actions and execute and deliver such documents
as may reasonably be necessary or appropriate to record, register, perfect or
memorialize the foregoing disposition of right, title and interest in the
Service Recipient Materials.

                  (b) ONGOING DATA SEPARATION. Service Provider shall use
commercially reasonable efforts to include in the Service Recipient Materials
all data, source code and other results and proceeds of TSA Services and
Additional Services that are necessary to the conduct of the business of the
Service Recipient.

                  (c) SERVICE PROVIDER LICENSED MATERIALS. Except as set forth
in Section 13(a) hereof, Service Provider shall own all other data that relates
to, and all other results and proceeds of TSA Services and Additional Services
created for, such Service Recipient by or for Service Provider that relate to
the business of the Service Recipient (which, together with any material
produced pursuant to Section 13(d) to which Service Provider has the right to
grant Service Recipient a license hereunder, are collectively the "Service
Provider Licensed Materials") and hereby grants to Service Recipient a
non-exclusive, worldwide, royalty-free, fully paid up, perpetual transferable
license to use such Service Provider Licensed Materials, subject to any
limitations on confidentiality hereunder. Except as set forth in Section 13(a)
hereof, any source code created for such Service Recipient by or for Service
Provider hereunder that relates to the business of the Service Recipient shall
be licensed pursuant to the terms of the Licensing Agreement.

                                      -28-
<PAGE>
                  (d) THIRD PARTY MATERIALS. If, following the Effective Date,
Service Provider enters into a new agreement with a Subcontractor that is not an
Affiliate Subcontractor solely or primarily for the purpose of having such
Subcontractor provide TSA Services, Service Provider shall request inclusion in
such agreement of a world-wide, royalty-free, paid up, transferable and
irrevocable license for Service Recipient to reproduce, prepare derivative works
of, distribute, display and otherwise use work product created by such
Subcontractor in Service Recipient's business and that of Service Recipient's
Affiliates and Joint Ventures.

                  (e) CONFIDENTIALITY; DELIVERY. The Service Recipient Materials
shall be deemed to be Confidential Information of the Service Recipient and are
not to be used by Service Provider for any purposes other than providing
relevant TSA Services. During the term of this Agreement, Service Provider will
timely provide Service Recipient with access to the Service Recipient Materials
and the Service Provider Licensed Materials, as reasonably requested by the
Service Recipient. Upon termination of any individual TSA Service hereunder,
Service Provider shall promptly archive and/or purge from its (and shall cause
its Affiliate Subcontractors to archive and/or purge from their) Systems in
accordance with its then-current Policies and procedures (and shall use
commercially reasonably efforts to purge or cause to be purged from the systems
of Service Provider's Subcontractors that are not Affiliate Subcontractors, as
the case may be) all Service Recipient Materials that are no longer needed for
the performance of other TSA Services under this Agreement and shall deliver
such Service Recipient Materials and a true, complete and current copy of the
applicable Service Provider Licensed Materials to Service Recipient. Upon
termination of this Agreement, Service Provider shall promptly archive and/or
purge from its Systems in accordance with its then-current Policies and
procedures (and shall purge or cause to be purged from the systems of Service
Provider's Subcontractors, as the case may be) all remaining Service Recipient
Materials in its possession and shall deliver such Service Recipient Materials
and a true, complete and current copy of the remaining Service Provider Licensed
Materials to Service Recipient.

                  (f) LOST OR DESTROYED DATA. The Service Provider shall use
commercially reasonable efforts to recover or recreate any data lost or
destroyed in performing any TSA Services, using at least the same level of
effort and services as used or caused to be used to recover or recreate lost
data prior to the Effective Date, at the Service Provider's cost.

                  (g) SECURITY.

                           (i) The Service Recipients and Service Providers
         shall work together to ensure that the Service Providers are able to
         maintain their current level of security during the Term, and to
         address any new security-related issues, including compliance with Laws
         related to security and issues related to new technologies or threats.
         The Service Recipient may request additional security safeguards, which
         shall be provided by the Service Provider on mutually agreed upon
         terms, conditions and rates. The Service Provider shall promptly notify
         the Service Recipient of, shall communicate with Service Recipient as
         to progress on and actions taken in response to and shall cooperate
         with the Service Recipient with respect to, any security breaches and
         investigations. In the event of a security breach that relates solely
         to the TSA Services, any activities performed pursuant to Section 2(j)
         hereof or Service Recipient's data, Service Recipient shall, in its
         sole discretion, determine whether to provide notification to
         customers, potential

                                      -29-
<PAGE>
         customers, employees and/or agents concerning a breach or potential
         breach of security, and Service Recipient shall determine the need for
         and have sole authority to initiate disclosure to appropriate
         Governmental Authorities in the event of a security breach unless
         disclosure by Service Provider is mandated by applicable Law. Prior to
         any such notification or disclosure, Service Recipient shall notify
         Service Provider of the notification or disclosure, and shall cooperate
         with Service Provider to consider any concerns that Service Provider
         may have regarding the form or content of the proposed notice or
         disclosures, including whether such notice or disclosure is accurate
         and in agreement with any permissible notices or disclosures concerning
         the same security breach by Service Provider or an Affiliate. In the
         event of a security breach that relates to both Service Provider's
         data, on the one hand, and to the TSA Services, any activities
         performed pursuant to Section 2(j) hereof or Service Recipient's data,
         on the other hand, Service Provider and Service Recipient shall
         cooperate with each other regarding the timing and manner of (i)
         notification to their respective customers, potential customers,
         employees and/or agents concerning a breach or potential breach of
         security, and (ii) disclosures to appropriate Governmental Authorities,
         in the case of both clauses (i) and (ii), subject to applicable Law.

                           (ii) If either party, or its personnel, will be given
         access to the other party's computer systems or software ("Systems") in
         connection with the performance of the TSA Services or the separation
         and any activities pursuant to Section 2(j) hereof, the accessing party
         or its personnel, as the case may be, shall comply with all of such
         other party's system security Policies and procedures of which it is
         made aware, and will not tamper with, compromise or circumvent any
         security or audit measures employed by such other party.

                           (iii) Each party shall use its commercially
         reasonable efforts to ensure that only those of its personnel who are
         specifically authorized to have access to the other party's Systems
         gain such access, and to prevent unauthorized access, use, destruction,
         alteration or loss of information contained therein, including
         notifying its personnel regarding the restrictions set forth in this
         Agreement and establishing appropriate Policies designed to effectively
         enforce such restrictions. If, at any time, either party determines
         that the other party or its personnel has sought to circumvent, or has
         circumvented, its system security Policies and procedures, that any
         unauthorized personnel of the other party has accessed its Systems or
         that the other party or any of its personnel has engaged in activities
         that may lead to the unauthorized access, use, destruction, alteration
         or loss of data, information or software, such party shall immediately
         terminate any such personnel's access to the Systems and immediately
         notify the other party.

                           (iv) Each party shall access and use only those
         Systems, and within such Systems, only such data and information, to
         which it has been granted the right to access and use. Notwithstanding
         the foregoing, either party shall have the right to deny the personnel
         of the other party access to such party's Systems, after prior written
         notice, in the event the party reasonably believes that such personnel
         pose a security concern.

                           (v) All user identification numbers and passwords of
         a party disclosed to the other party and any information obtained from
         the use of the disclosing party's

                                      -30-
<PAGE>
         Systems shall be deemed Confidential Information of the disclosing
         party without the need for the disclosing party to specifically
         identify such information as such.

                           (vi) Each party will (A) immediately notify the other
         party if such party has revoked access to its own Systems to any of its
         personnel if such personnel also has access to the other party's
         Systems and (B) will immediately revoke any access to the other party's
         Systems once such personnel no longer has a need to access the other
         party's Systems.

         SECTION 14. FORCE MAJEURE.

                  (a) GENERAL. Subject to Section 14(b) hereof, neither party
shall be liable for any failure or delay in the performance of its obligations
under this Agreement to the extent such failure or delay both:

                           (i) is caused by any of the following: acts of war,
         terrorism, civil riots or rebellions; quarantines, embargoes and other
         similar unusual governmental action; labor strikes (that are not
         applicable solely to such party or an Affiliate); extraordinary
         elements of nature or acts of God; and

                           (ii) could not have been prevented by the
         non-performing party's reasonable precautions or commercially accepted
         processes, or could not reasonably be circumvented by the
         non-performing party through the use of substitute services, alternate
         sources, work around plans or other means by which the requirements of
         the Service Recipient for services substantially similar to the TSA
         Services hereunder would be satisfied.

                  (b) DEFINITION. Events meeting both of the criteria set forth
in Sections 14(a)(i) and 14(a)(ii) hereof are referred to individually and
collectively as "Force Majeure Events." The parties expressly acknowledge that
Force Majeure Events do not include vandalism, the regulatory acts of
Governmental Authorities, labor strikes (that are applicable solely to such
party or an Affiliate), or the non-performance by third parties or
Subcontractors relied on for the delivery of the TSA Services, unless such
failure or non-performance by a third party or Subcontractor is itself caused by
a Force Majeure Event.

                  (c) EXCUSE OF PERFORMANCE. Upon the occurrence of a Force
Majeure Event, the non-performing party shall be excused from any further
performance of the affected obligation(s) (other than payment obligations) for
so long as such circumstances prevail, provided that such party continues to
attempt to recommence performance to the greatest extent possible without delay.

                  (d) DISASTER RECOVERY PLAN. Notwithstanding any other
provision of this Section 14, a Force Majeure Event that results in failure or
substantial delay of the performance by the Service Provider of its obligations
under this Agreement shall obligate the Service Provider, if appropriate, to
implement its disaster recovery plan within the time periods described therein.

                                      -31-
<PAGE>

            (e) DISASTER RECOVERY TESTS. The Service Recipient may participate
in the Service Provider's tests of the disaster recovery services applicable to
the TSA Services provided by or on behalf of the Service Provider (which
disaster recovery services are understood to include the separation and
segregation activities performed pursuant to Section 2(j) hereof); provided,
that the Service Provider shall have sole control of all such tests. If the
Service Recipient's method of doing business requires additional or different
disaster recovery services, the Service Provider shall provide such additional
or different disaster recovery services if commercially and technologically
feasible, and the parties shall determine in good faith the applicable pricing.

            (f) TERMINATION UPON FORCE MAJEURE. If a Force Majeure Event causes
a material failure or delay in the performance of any TSA Services or separation
and segregation activities to be performed pursuant to Section 2(j) hereof for
more than three (3) consecutive Business Days, the Service Recipient may, at its
option, immediately terminate this Agreement without liability to Service
Provider, other than liability for payment of unpaid invoices or for services
previously rendered.

      SECTION 15. SURVIVAL. The provisions of Section 2(a)(iv) (Knowledge
Transfer), Section 6(b)(i) (Limitations on Consideration), Section 6(d) (Fee
Dispute Resolution), Section 6(e) (Taxes), Section 6(g) (TSA Records), Section
7(b) (Termination of Individual Transition Services), Section 7(c) (Termination
of Agreement), Section 7(d) (Effect of Termination; Return of Materials),
Section 9 (Relationship between the Parties), Section 11 (Dispute Resolution),
Section 12 (Indemnification), Section 13(a) (Ownership), 13(c) (Service Provider
Licensed Materials), this Section 15 (Survival), Section 16 (Notices), Section
17 (Successors and Assigns; No Third Party Beneficiaries), Section 19 (Entire
Agreement), Section 20 (Amendment, Modification and Waiver), Section 21
(Severability), Section 22 (Governing Law), Section 23 (Jurisdiction; Venue;
Consent to Service of Process), Section 24 (Waiver of Jury Trial) and Section 25
(Confidentiality) hereof shall survive the termination or expiration of this
Agreement.

      SECTION 16. NOTICES. All notices, demands and other communications
required or permitted to be given to either party under this Agreement are
characterized herein as "Operations Notice" or "Administration Notice" and are
defined by and differ only in the persons designated to receive them. In each
case, such notice, demand or other communication shall be in writing, and shall
be deemed to have been duly given when delivered by hand, courier or overnight
delivery service or, if mailed, two (2) Business Days after deposit in the mail
and sent certified or registered mail, return receipt requested and with
first-class postage prepaid, or in the case of facsimile notice, when sent and
transmission is confirmed, and, regardless of method, addressed to the party at
its address or facsimile number set forth below (or at such other address or
facsimile number as the party shall furnish the other parties in accordance with
this Section) and, in the case of Parent, also included in an email
transmission:

<TABLE>
<CAPTION>
                   FOR ADMINISTRATION NOTICE                  FOR OPERATIONS NOTICE
<S>                <C>                                        <C>
If to Parent:      Citigroup Inc.
                   909 Third Avenue, 8th Floor
                   New York, New York  10022                  Parent's Service Coordinator
</TABLE>

                                     - 32 -
<PAGE>
<TABLE>
<CAPTION>
                   FOR ADMINISTRATION NOTICE                  FOR OPERATIONS NOTICE
<S>                <C>                                        <C>
                   Attn:  Bradley Tessler                     (and backup Service Coordinator) at
                   Facsimile:  212-793-0090                   the addresses therefor set forth in
                   Email:  tesslerb@citigroup.com             Schedule 8(a), as may be amended
                                                              from time to time.

                   With a copy to:

                   Skadden, Arps, Slate, Meagher & Flom LLP
                   4 Times Square
                   New York, New York  10036-6522
                   Attn:  Stuart D. Levi, Esq.
                   Facsimile:  (212) 735-2000

If to Purchaser:   MetLife, Inc.                              To Purchaser's Service Coordinator
                   2701 Queens Blvd. North                    (and backup Service Coordinator) at
                   Long Island City, New York 11101           the addresses therefor set forth in
                   Attn:  James L. Lipscomb, Esq.             Schedule 8(a), as may be amended
                   General Counsel                            from time to time.
                   Facsimile:  (212) 252-7288

                   With a copy to:

                   LeBoeuf, Lamb, Greene & MacRae, L.L.P.
                   125 West 55th Street
                   New York, New York  10019
                   Attn: Alexander M. Dye, Esq.
                   Facsimile:  (212) 424-8500
</TABLE>

      SECTION 17. SUCCESSORS AND ASSIGNS; NO THIRD-PARTY BENEFICIARIES. Subject
to the terms of this Section 17, this Agreement and all its provisions shall be
binding upon and inure to the benefit of the parties and their respective
permitted successors and assigns. Nothing in this Agreement, whether expressed
or implied, will confer on any Person, other than the parties or their
respective permitted successors and assigns, any rights, remedies or
liabilities; provided that the provisions of Section 12(a) hereof will inure to
the benefit of each Service Recipient Indemnified Party and the provisions of
Section 12(b) hereof will inure to the benefit of each Service Provider
Indemnified Party. Neither party may assign its rights or obligations under this
Agreement without the prior written consent of the other party (which consent
may not be

                                     - 33 -
<PAGE>
unreasonably withheld) and any purported assignment without such consent shall
be void; provided that upon prior Administration Notice to Service Provider,
Service Recipient may, without the consent of Service Provider, assign any or
all of its rights, but not its obligations hereunder, to any of its Affiliates
(or in the case of Purchaser, to any of its Joint Ventures); provided further,
that notwithstanding any provision of this Agreement, in the event a party shall
merge or consolidate with another Person or enter into a business combination
with a third party: (x) if such merger, consolidation or business combination
affects this Agreement, such merger, consolidation or business combination shall
be deemed to be an assignment and, accordingly, the consent of the other party
shall be required hereunder (such consent not to be unreasonably withheld), and
(y) if such merger, consolidation or business combination does not affect this
Agreement, such merger, consolidation or business combination shall not be
deemed to be an assignment and, accordingly, no consent of the other party shall
be required hereunder.

      SECTION 18. COUNTERPARTS. This Agreement may be executed by the parties in
multiple counterparts which may be delivered by facsimile transmission. Each
counterpart when so executed and delivered shall be deemed an original, and all
such counterparts taken together shall constitute one and the same instrument.

      SECTION 19. ENTIRE AGREEMENT.

            (a) AGREEMENT. This Agreement, together with the Acquisition
Agreement, the Related Agreements and the Confidentiality Agreement and all
annexes, schedules and exhibits hereto and thereto, embody the entire agreement
of the parties with respect to the subject matter hereof and supersede all prior
agreements with respect thereto. All annexes, schedules and exhibits referenced
in this Agreement (or in any annex, schedule or exhibit hereto) shall be deemed
incorporated into and shall become part of this Agreement. The parties intend
that this Agreement shall constitute the complete and exclusive statement of its
terms and that no extrinsic evidence whatsoever may be introduced in any
judicial proceeding involving this Agreement.

            (b) CAPTIONS. The captions of this Agreement are for convenience of
reference only and shall not define or limit any of the terms or provisions
hereof.

      SECTION 20. AMENDMENT, MODIFICATION AND WAIVER.

            No amendment to this Agreement shall be effective unless it shall be
in writing and signed by each party. Any failure of a party to comply with any
obligation, covenant, agreement or condition contained in this Agreement may be
waived by the party entitled to the benefits thereof only by a written
instrument duly executed and delivered by the party granting such waiver, but
such waiver or failure to insist upon strict compliance with such obligation,
covenant, agreement or condition shall not operate as a waiver of, or estoppel
with respect to, any subsequent or other failure of compliance.

      SECTION 21. SEVERABILITY.

            If any provision of this Agreement or the application of any such
provision is invalid, illegal or unenforceable in any jurisdiction, such
invalidity, illegality or unenforceability shall not affect any other provision
of this Agreement or invalidate or render unenforceable such

                                     - 34 -
<PAGE>
provision in any other jurisdiction. To the extent permitted by applicable Law,
the parties waive any provision of Law that renders any provision of this
Agreement invalid, illegal or unenforceable in any respect. The parties shall,
to the extent lawful and practicable, use their commercially reasonable efforts
to enter into arrangements to reinstate the intended benefits, net of the
intended burdens, of any such provision held invalid, illegal or unenforceable.

      SECTION 22. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the Laws of the State of New York applicable to
agreements made and to be performed entirely within such State, without regard
to the conflict of laws principles of such State.

      SECTION 23. JURISDICTION; VENUE; CONSENT TO SERVICE OF PROCESS.

            (a) EXCLUSIVE JURISDICTION; FINAL JUDGMENTS. Each party irrevocably
and unconditionally submits to the non exclusive jurisdiction of the United
States District Court for the Southern District of New York or, if such court
will not accept jurisdiction, the Supreme Court of the State of New York or any
court of competent civil jurisdiction sitting in New York County, New York. In
any action, suit or other proceeding, each of the parties irrevocably and
unconditionally waives and agrees not to assert by way of motion, as a defense
or otherwise any claims that it is not subject to the jurisdiction of the above
courts, that such action or suit is brought in an inconvenient forum or that the
venue of such action, suit or other proceeding is improper. Each of the parties
also hereby agrees that any final and unappealable judgment against a party in
connection with any action, suit or other proceeding shall be conclusive and
binding on such party and that such award or judgment may be enforced in any
court of competent jurisdiction, either within or outside of the United States.
A certified or exemplified copy of such award or judgment shall be conclusive
evidence of the fact and amount of such award or judgment.

            (b) SERVICE OF PROCESS. Each party irrevocably consents to service
of process in the manner provided for the providing of Administration Notices
pursuant to Section 16 hereof. Nothing in this Section 23 shall affect the right
of either party to serve process in any other manner permitted by Law.

      SECTION 24. WAIVER OF JURY TRIAL.

            TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF THE PARTIES
IRREVOCABLY WAIVES ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, PROCEEDING OR
COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR ANY OF THE
TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.

      SECTION 25. CONFIDENTIALITY.

            (a) DEFINITION OF CONFIDENTIAL INFORMATION. For purposes of this
Agreement, "Confidential Information" includes all confidential or proprietary
information and documentation of either party hereto or any of their respective
Affiliates or Joint Ventures, including the terms of this Agreement (unless the
terms of this Agreement are required by Law to be disclosed or are requested by
a regulator in connection with obtaining approval of the

                                     - 35 -
<PAGE>
transaction contemplated under the Acquisition Agreement), including with
respect to each party or any of their respective Affiliates or Joint Ventures,
all of its software (including source code and object code), documentation,
data, its customer, policy holder, claimant data and data related to potential
customers and policy holders, software and confidential information of third
parties as to which such party or any of their respective Affiliates or Joint
Ventures owes a duty of confidentiality, financial information, information
relating to the other party's planned or existing computer systems, systems
architecture, computer hardware, methods of processing and operational methods,
sales, profits, organizational restructuring, new business initiatives,
proprietary and confidential information that describes the other party's (or
the other party's Affiliates' or Joint Ventures') insurance and financial
products (including actuarial calculations, product designs, and how such
products are administered and managed), proprietary and confidential information
that describes the other party's (or the other party's Affiliates' or Joint
Ventures') product strategies or tax interpretations or tax positions or the
treatment of any item, all reports, exhibits and other documentation prepared by
any of its Affiliates or Joint Ventures, and any other information disclosed by
a party to the other party (or its Affiliates or Joint Ventures) that is not
generally known in the financial services or insurance industries.

            (b) PROTECTION OF CONFIDENTIAL INFORMATION. Each party hereto shall
protect the Confidential Information of the other party hereto in accordance
with applicable Law and using at least the same standard of care in the
protection of Confidential Information of the other party hereto as it uses to
protect its own confidential or proprietary information; provided that such
Confidential Information shall be protected in at least a reasonable manner in
accordance with industry standards. Each party hereto shall use the Confidential
Information of the other party only in connection with the purposes of this
Agreement, shall make such Confidential Information available only to its
employees, permitted Subcontractors or agents having a "need to know" with
respect to such purpose, and shall not disclose any Confidential Information to
any other Person (except as expressly set forth in Section 25(d) hereof). Each
party hereto shall advise its respective employees, permitted Subcontractors and
agents with access to any Confidential Information of such party's obligations
under this Agreement, and shall cause or have caused the foregoing to be bound
by restrictions on use and disclosure of Confidential Information at least as
stringent as those that bind such party hereunder in advance of the disclosure
of any such Confidential Information to them.

            (c) EXCLUSIONS. Confidential Information of a party shall not
include information that was (i) developed by the other party independently,
(ii) disclosed to the other party by a third party not known to be bound by any
confidentiality agreement with such party; provided, that: (A) under the
circumstances of disclosure, the other party does not owe a duty of
non-disclosure to such third party; (B) to the knowledge of the other party, the
third party's disclosure does not violate a duty of non-disclosure owed to
another Person, including such party; and (C) the disclosure by the third party
is not otherwise unlawful, (iii) publicly available other than through the fault
or negligence of the other party or (iv) rightfully in the possession of the
other party and not subject to any duty of confidentiality as of the Effective
Date.

            (d) COMPULSORY DISCLOSURE. If either party (the "Receiving Party")
is requested or required to disclose Confidential Information of another party
(the "Disclosing Party") pursuant to any judicial or administrative process,
then such Receiving Party shall promptly notify the Disclosing Party in writing
of such request or requirement. The Disclosing

                                     - 36 -
<PAGE>
Party shall either (i) promptly seek protective relief from such disclosure
obligation, or (ii) direct the Receiving Party to comply with such request or
requirement. The Receiving Party shall cooperate with efforts of the Disclosing
Party to maintain the confidentiality of such information or to resist
compulsory disclosure thereof, but any costs incurred by the Receiving Party
shall be reimbursed by the Disclosing Party, except for costs of the Receiving
Party's employees. If, after a reasonable opportunity to seek protective relief,
such relief is not obtained by the Disclosing Party, or if the Disclosing Party
fails to obtain such relief, the Receiving Party may disclose such portion of
such Confidential Information that the Receiving Party reasonably believes, on
the basis of advice of the Receiving Party's counsel, the Receiving Party is
legally obligated to disclose.

            (e) UNAUTHORIZED ACTS. Each party hereto shall (i) notify the
Disclosing Party promptly of any unauthorized possession, use, or knowledge of
any Confidential Information by any Person which shall become known to it, any
attempt by any Person to gain possession of Confidential Information without
authorization or any attempt to use or acquire knowledge of any Confidential
Information without authorization (collectively, "Unauthorized Access"), (ii)
promptly furnish to the Disclosing Party full details of the Unauthorized Access
and use commercially reasonable efforts to assist the other party in
investigating or preventing the reoccurrence of any Unauthorized Access, (iii)
cooperate with the Disclosing Party in any litigation and investigation against
third parties deemed necessary by such party to protect its proprietary rights,
and (iv) promptly take all steps necessary to prevent a reoccurrence of any such
Unauthorized Access.

            (f) DATA PROTECTION. To the extent reasonably required by the
Service Provider, each party shall cause its Affiliates and/or Joint Ventures,
as applicable that are Service Recipients hereunder to execute a written
agreement with the applicable Service Provider sufficient to comply with any
applicable Laws relating to data protection.

      SECTION 26. CONSTRUCTION

            As used in this Agreement, neutral pronouns and any variations
thereof shall be deemed to include the feminine and masculine and all terms used
in the singular shall be deemed to include the plural, and vice versa, as the
context may require. The words "herein", "hereof" and "hereunder" and other
words of similar import refer to this Agreement as a whole, including the
Schedules hereto, as the same may from time to time be amended or supplemented
and not to any particular subdivision contained in this Agreement. The word
"including" when used herein is not intended to be exclusive, or to limit the
generality of the preceding words, and means "including, without limitation."
References herein to an Article, Section, subsection, clause, or Schedule shall
refer to the appropriate Article, Section, subsection, clause, or Schedule of
this Agreement, unless expressly stated otherwise.

      SECTION 27. PRECEDENCE.

            In case of ambiguity between the terms and conditions of this
Agreement and any annex, schedule or exhibit hereto, this Agreement shall
control; provided, that if the parties expressly and unambiguously provide in an
annex, schedule or exhibit hereto that a provision of such

                                     - 37 -
<PAGE>
annex, schedule or exhibit supersedes the terms and conditions of this
Agreement, then such provision shall have precedence over the relevant terms and
conditions of this Agreement.

                                     - 38 -
<PAGE>
            IN WITNESS WHEREOF, the parties have executed this Agreement as of
the date first above written.

                                        Citigroup, Inc.

                                        By:    /s/ Anthony A. Lazzara
                                               ----------------------
                                        Name:  Anthony A. Lazzara
                                        Title: Managing Director
                                               M&A Execution

                                        MetLife, Inc.

                                        By:    /s/ William J. Wheeler
                                               ----------------------
                                        Name:  William J. Wheeler
                                        Title: Executive Vice President and
                                               Chief Financial Officer

               [SIGNATURE PAGE TO TRANSITION SERVICES AGREEMENT]

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