Document:

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                                                                   Exhibit 10.56

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                         METLIFE INDIVIDUAL BUSINESS
                      SPECIAL DEFERRED COMPENSATION PLAN
                                                                            2001
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                                   METLIFE(R)
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INDIVIDUAL BUSINESS SPECIAL DEFERRED COMPENSATION PLAN

The MetLife Individual Business Special Deferred Compensation Plan provides you
with the opportunity to defer receipt of a portion of your MetLife benefitable
compensation to a later date, reducing gross income in the year of the deferral
for purposes of federal and most state income taxes. The Deferred Compensation
Plan is administered by a Plan Committee composed of the Executive Vice
President of Human Resources, the Senior Vice President of Tax and the Senior
Vice President of Compensation and Benefits. This booklet will serve as the plan
document.

QUESTIONS?

METLIFE SPECIALIZED BENEFIT RESOURCES

STEPHANIE GASPARINO

PHONE: (732) 602-4739

FAX: (732) 602-6455

E-MAIL: sgasparino@metlife.com
<PAGE>   3
E L I G I B I L I T Y

Any member of the MetLife Individual Business Field Force whose annual total
compensation equaled or exceeded $240,000 during the period from October 1, 1999
through September 30, 2000 is eligible to participate for the 2001 Plan year. In
addition, to be eligible and in order for MetLife to comply with federal law
requirements, participants must also confirm that their income was at least
$200,000 in each of the last two years (1998 and 1999) and that they reasonably
expect to have income of at least $200,000 this year (2000).

Newly appointed members of the MetLife Individual Business Field Force will be
eligible to defer future compensation for the remainder of the Plan year,
provided they would have otherwise satisfied the eligibility criteria as a
MetLife employee and elect deferral within 30 days of appointment.

ELIGIBLE COMPENSATION

Only benefitable compensation from MetLife will be taken into account in
determining compensation eligible to be deferred. Benefitable compensation is
compensation taken into account under the MetLife Insurance and Retirement
Programs. Deferrals may be made in 10% increments up to 70%.

FICA, Medicare, and any other taxes which are due in the year deferred amounts
would have otherwise been payable will be paid from your other compensation.

2.
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M A K I N G  A  D E F E R R A L   E L E C T I O N

To designate a deferral, a Deferral Election Form must be completed and
submitted by the due date on the election form, indicating the deferred amounts.
This due date will be prior to the year in which the deferred amounts would have
been otherwise paid.

Deferral of eligible compensation will begin with the first January payroll
period and end with the last December payroll period in the year following the
deferral election.

IN ADDITION TO INDICATING THE AMOUNT TO BE DEFERRED, YOU MUST ALSO DECIDE:

-     THE INVESTMENT OPTION - Deferred amounts will not be actually invested in
      the funds selected, but earnings (gains or losses) will be credited to
      participant's accounts in accordance with the performance of the funds or
      indices selected. Investment choices may be changed up to six times per
      year, according to the instructions on page 4.

-     THE DISTRIBUTION DATE - This cannot be less than three years after the
      year of deferral. Once you have designated a distribution date, this
      decision cannot be changed, except as otherwise provided in the Plan.

-     THE DISTRIBUTION METHOD OR HOW THE DEFERRED AMOUNT IS TO BE PAID - Payment
      may be in a single lump sum, or over five, ten or fifteen years in annual
      installments. Each annual installment will be equal to the account balance
      on the last day of the month preceding the date a payment is made, divided
      by the number of installments remaining to be paid. Once you have
      designated a distribution method, this decision cannot be changed, except
      as otherwise provided in the Plan.

                                                                              3.
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D E F E R R E D  C O M P E N S A T I O N  A C C O U N T S

An account will be established for each participant in the Deferred Compensation
Plan. These accounts are unfunded, meaning any amounts credited to the accounts
will be solely for record-keeping purposes and will not be considered to be held
in trust or in escrow or in any way vested to the participant. Your deferral
amounts are also subject to the claims of the general creditors of MetLife.

The maintenance of such account will not give you any right or security interest
in any asset of MetLife. Any asset invested by MetLife in connection with this
plan shall at all times be subject to the claims of general creditors of
MetLife. Your deferral amounts are also subject to the claims of the general
creditors of MetLife.

The amount deferred will be credited to the deferral account on the last
business day of the month. The amounts deferred will accrue earnings based on
the performance of the particular investment vehicle(s) of your choice.

PARTICIPANTS MAY CHOOSE AMONG THE FOLLOWING INVESTMENT FUND OPTIONS:

ACTIVELY MANAGED FUNDS                    MARKET INDEX OPTIONS
----------------------                    --------------------
MetLife SIP Fixed Income Fund             S&P 500

Loomis Sayles Bond Fund                   Russell 2000 (R)

Oakmark Fund                              NASDAQ Composite

MetLife SIP Small Company Stock Fund      MSCI-EAFE(R)

Oakmark International Portfolio           Lehman-Brothers Aggregate

                                          Merrill Lynch US High Yield Master II

                                          MSCI Emerging Market Free Index

See page 5 and 6 for information about the investment options, including
investment objectives.

Investment choices may be changed by the participant up to six times each year,
by contacting Stephanie Gasparino of MetLife Specialized Benefit Resources at
(732) 602-4739.The changes will be made as of the business day your written
request is received, if received before 4 p.m. ET or as of the next business
day, if received after 4 p.m. ET. You will receive a confirmation letter within
two weeks.

MetLife (or its successor) retains the discretion to change or eliminate any or
all of the available investment options and to unilaterally impose any other
measure of earnings which the Company deems to be appropriate. MetLife (or its
successors) also retains the discretion to amend or eliminate the procedure for
making investment elections.

4.
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F U N D   O B J E C T I V E S

ACTIVELY MANAGED FUNDS

Following are brief descriptions of the investment objectives of each of the
actively managed funds:

      METLIFE SIP FIXED INCOME FUND

      This portfolio seeks to achieve the highest possible current income
      consistent with the preservation of capital and predictable growth through
      a guaranteed interest rate by investing in Guaranteed Interest Contracts
      or similar contracts.

      LOOMIS SAYLES BOND FUND

      This portfolio seeks to achieve high total return through current income
      and capital appreciation, by investing primarily in debt securities
      including convertibles. At least 65% of its total assets will normally be
      invested in bonds. Up to 35% of its assets may be invested in securities
      of below investment-grade quality, and up to 20% of assets may be invested
      in preferred stocks. SEE NOTE 1, PAGE 6.

      OAKMARK FUND

      This portfolio seeks to achieve high total return through long-term growth
      of capital appreciation by investing primarily in equity securities. Up to
      25% of its total assets may be invested in securities of non-U.S. issuers,
      but no more than 5% of assets are expected to be invested in emerging
      markets.

      METLIFE SIP SMALL COMPANY STOCK FUND

      This portfolio seeks to achieve high total return through long-term growth
      of capital appreciation by investing in the stocks of small U.S. companies
      with strong growth potential. SEE NOTE 2, PAGE 6.

      OAKMARK INTERNATIONAL PORTFOLIO

      This portfolio seeks to achieve high total return through long-term growth
      of capital appreciation by investing in the stocks of international equity
      securities of mature markets, less developed markets, and in selected
      emerging markets. There are no limits on the geographic asset
      distribution. At least 65% of its total assets will normally be invested
      in non-U.S. issuers. SEE NOTE 3, PAGE 6.

                                                                              5.
<PAGE>   7
MARKET INDEX OPTIONS

The investment objective of each of these funds is to seek to match the
performance of its index.

   S&P 500 INDEX

     An index of the 500 largest capitalized stocks in the United States that
     is widely recognized as a guide to the overall health of the U. S. stock
     market.

   RUSSELL 2000(R)

     This Index measures stock performance of 2000 smaller U.S. companies
     with market capitalization under $1.5 billion. SEE NOTE 2.

   NASDAQ COMPOSITE INDEX

     A market capitalization-weighted index that is designed to represent the
     performance of the National Market System which includes over 5,000 stocks
     traded only over-the-counter and not on an exchange.

   MSCI-EAFE INDEX (R)

     The Morgan Stanley Capital International Europe, Australasia, Far East
     Index; a widely recognized benchmark of the world's stock markets
     (excluding the United States). SEE NOTE 3.

LEHMAN-BROTHERS AGGREGATE BOND INDEX

     A benchmark index made up of the Lehman Brothers Government/Corporate Bond
     Index, Mortgage-Backed Securities Index, and Asset-Backed Securities Index,
     including securities that are investment-grade quality or higher, have at
     least one year to maturity, and have an outstanding par value of at least
     $100 million.

   MERRILL LYNCH US HIGH YIELD MASTER II

     This Index is composed of below grade debt securities, including
     convertibles. SEE NOTE 1.

   MSCI EMERGING MARKET FREE INDEX

     The MSCI Emerging Markets Free Index measures the performance of stocks
     of companies in emerging countries in four major regions: Asia, Latin
     America, Eastern Europe and the Middle East/Africa. SEE NOTE 3.

There is no guarantee that any Fund will achieve its objective.

      Note 1 - Lower rated high yield, high-risk securities generally involve
               more credit risk. These securities may also be subject to greater
               market price fluctuations than lower yielding higher rated debt.

      Note 2 - Investments in small capitalization and emerging growth companies
               involve greater than average risk. Such securities may have
               limited marketability and the issues may have limited products
               lines, markets and financial resources. The value of such
               investments may fluctuate more widely than investments in larger
               more established companies.

      Note 3 - International stocks contain additional risks that are not
               associated with U.S. domestic issues, such as changes in currency
               exchange rates, different governmental regulations, economic
               conditions and accounting standards.

6.
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D I S T R I B U T I O N S

PAYMENT DESIGNATION

Payment will begin in January or July coincident with or next following the date
specified at the time of your election. The form of payment will be made
according to the option elected for each year's deferred funds. Regardless of
the option elected, payment will be made in a single lump sum if employment
terminates prior to retirement eligibility under the MetLife Retirement Plan, a
subsidiary retirement plan, or upon your death. No loans can be taken.

Payments are subject to such deductions as may be required in accordance with
all federal, estate, and local tax laws and regulations.

In the event that you die while annual installments are in progress, the balance
of your Deferred Compensation Account will immediately become due and payable in
one lump sum to your designated beneficiary.

HARDSHIP EXCEPTIONS

In the case of extreme hardship, contributions to the Plan may be discontinued
and/or payments may be made from your account at the discretion of the Plan
Committee. If contributions are to be discontinued or payment made, the amount
involved cannot exceed the funds required to satisfy the financial consequences
of the hardship.

Extreme hardship includes any unforeseeable or extraordinary occurrence or event
caused by an event beyond the control of the participant or beneficiary, such as
illness, disability, accident, or family problems resulting in a participant's
financial need that cannot be met from other assets or normal sources of income.

ACCELERATED DISTRIBUTION EXCEPTIONS

You may elect to receive an immediate lump sum distribution without a hardship,
but you must withdraw the full account balance for all years in which you made
deferrals under the Plan and there will be a 10% penalty forfeited to the
Company. In addition, funds received pursuant to such distribution will be
deemed to be taxable income. Future deferrals under the Plan will not be
permitted until the Plan year commencing at least three years after the date of
the distribution.

                                                                              7.
<PAGE>   9
N O N A S S I N B I L I T Y  A N D  B E N E F I C I A R Y   D E S I N T I O N S

NONASSIGNABILITY

Neither the participant nor any designated beneficiary shall have any right to
sell, assign, transfer or commute any rights under this Plan.

BENEFICIARY DESIGNATIONS

You may designate an individual, a trustee or your estate as beneficiary and you
may change your beneficiary at any time. A beneficiary designation will be valid
as of the date the written request is received. If there is no valid beneficiary
designation, or if no designated beneficiary survives the participant, the
account balance at your death shall be paid as soon as practicable to your
surviving spouse, and in the event you are not married at death, to your estate.

NOTE: MetLife may terminate or amend the Plan at any time, provided, however,
that no such amendment or termination shall impair any rights which have accrued
under the Plan.

8.
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Q U E S T I O N S  A N D  A N S W E R S

WHAT ARE THE DIFFERENCES BETWEEN THE DEFERRED COMPENSATION PLAN (DCP) AND A
401(K) PLAN SUCH AS THE SAVINGS AND INVESTMENT PLAN (SIP)?

A 401(k) plan is a "qualified plan" -- this means that it is qualified under the
Internal Revenue Code. Under a 401(k) plan, participants can defer income,
subject to certain limits. The chief limitations of 401(k) plans are the various
Internal Revenue Code-imposed caps on the amount that can be deferred.

The chief advantages of the DCP are the substantially greater deferral
opportunities it can offer. The chief disadvantage is that it does not offer the
security of a qualified plan which is afforded full ERISA protection.

Participation in the DCP does not affect your ability to participate in SIP. If
eligible, you can participate in either or both plans.

I AM CONSIDERING DEFERRING $10,000 UNDER THE DEFERRED COMPENSATION PLAN. WHAT
ARE THE ADVANTAGES OF THIS DEFERRAL VERSUS AFTER-TAX INVESTMENT?

Assume you defer $10,000 in 2001, requesting a distribution in 2006, combined
federal and state income tax rates remain level at 45% and the value of the
deferral increases at 10% per year. (For the purpose of this example, the 1.45%
Medicare tax withholding is ignored.)

<TABLE>
<CAPTION>
                                          DEFERRED COMPENSATION PLAN                       AFTER TAX INVESTMENT
-----------------------------------------------------------------------------------------------------------------------------
YEAR                                  VALUE          TAXES         NET VALUE        VALUE           TAXES         NET VALUE
-----------------------------------------------------------------------------------------------------------------------------
<S>                                  <C>             <C>            <C>             <C>             <C>           <C>
2001 (Year of Deferral)              $10,000         $0             $10,000         $10,000         $4,500          $5,500
-----------------------------------------------------------------------------------------------------------------------------
2002                                 $11,000         $0             $11,000         $ 6,050         $0              $6,050
-----------------------------------------------------------------------------------------------------------------------------
2003                                 $12,100         $0             $12,100         $ 6,655         $0              $6,655
-----------------------------------------------------------------------------------------------------------------------------
2004                                 $13,310         $0             $13,310         $ 7,321         $0              $7,321
-----------------------------------------------------------------------------------------------------------------------------
2005                                 $14,641         $0             $14,641         $ 8,053         $0              $8,053
-----------------------------------------------------------------------------------------------------------------------------
2006 (Year of Distribution)          $16,105         $7,247         $ 8,858         $ 8,858         $1,511*         $7,347
-----------------------------------------------------------------------------------------------------------------------------
</TABLE>

Tax rates may vary and are subject to change. MetLife recommends that you speak
to your tax advisor before making an election under this Plan.

*  Assumes investment in a deferred annuity with no penalty at withdrawal.

WHY DO I HAVE TO MAKE DEFERRAL ELECTION IN THE YEAR PRIOR TO THE YEAR SUCH
PAYMENTS WOULD OTHERWISE BE MADE?

In order for your deferral to be valid from a tax perspective, you must submit
your election form prior to the year in which you would otherwise have a right
to the compensation. If you pay your income taxes based on a fiscal year instead
of a calendar year, you must elect to defer compensation in the fiscal year
prior to the fiscal year in which the payment would otherwise be made.

                                                                              9.
<PAGE>   11
WHAT WOULD HAPPEN TO MY DEFERRALS IN THE EVENT METLIFE BECOMES INSOLVENT?

In the unlikely event of MetLife's insolvency, Plan participants would be viewed
as general creditors and their claims for their deferrals would be treated in
the manner and sequence stipulated by New York State Insurance Law.

WHEN AM I TAXED ON DEFERRED COMPENSATION OR EARNINGS THEREON?

Under current law, for federal (and most state) income tax purposes you will not
be taxed until you actually receive this money. Some states and localities do
not exclude deferred compensation from current taxation (check with your tax
advisor to find out if this is the case in your state). Note, however, that your
deferrals are subject to current Social Security (FICA) taxes.

ARE DISTRIBUTIONS ELIGIBLE TO BE ROLLED OVER INTO AN IRA?

No. Because this is not a tax-qualified plan under the Internal Revenue Code,
you cannot roll your distributions over into an IRA or to another employer's
qualified plan when you leave MetLife. When electing a Plan distribution, we
encourage you to seek professional tax advice to determine the best course of
action for your financial circumstances.

WILL PAYMENT TO MY BENEFICIARIES BE INCLUDED IN MY GROSS ESTATE FOR FEDERAL
ESTATE TAX PURPOSES?

Yes. The present value of your deferral accounts at the time of your death will
be included. If, however, your beneficiary is your spouse and the payments
qualify for the estate tax marital deduction, in effect these amounts will not
give rise to federal estate taxes.

IS MY DEFERRAL INCLUDED IN THE SOCIAL SECURITY WAGE BASE?

Yes. Deferrals are subject to withholding for Social Security (FICA) taxes in
the year of the deferral until the annual taxable wage base under the Social
Security provision is reached. There is no maximum annual taxable wage base for
the hospital insurance tax provision of FICA (the "Medicare tax"). Required
withholdings for FICA shall be made from your other compensation.

WILL I PAY SOCIAL SECURITY TAXES WHEN I TAKE MY DISTRIBUTION?

No. Because Social Security taxes were taken into account at the time the
deferrals were made, you owe no additional Social Security taxes when
distributions are made. Distributions of deferred amounts will not affect
receipt of Social Security benefits.

10.
<PAGE>   12
HOW WILL MY DEFERRALS AFFECT MY OTHER BENEFITS?

Life Insurance for You, Survivor Benefit, Short Term Disability and Long Term
Disability

Your pay used to calculate benefits for these Plans will be calculated based on
pre-deferral amounts.

Compensation Continuance Plan

Deferrals will continue to be taken from your pay during periods of short
illness absence in which you are paid under the Company's Compensation
Continuance Plan.

Pension Benefits

Your final average pay will be based on your pre-deferral amounts, not receipts.
That is, the calculation will be based on the pre-deferral amounts. However, to
the extent your pension benefit is attributable to deferred amounts, your
benefit will be paid from the auxiliary pension plan and not the qualified
retirement plan.

Savings and Investment Plan (SIP)

If you are participating in the Savings and Investment Plan (SIP), the
Company's 4% match will be allocated as follows:

<TABLE>
<CAPTION>
COMPENSATION                  SIP (QUALIFIED PLAN)     AUXILIARY SIP     AUXILIARY SIP FOR DEFERRALS
<S>                           <C>                      <C>               <C>
NON-DEFERRED COMPENSATION:            X
UP TO $170,000 *

NON-DEFERRED COMPENSATION                                    X
IN EXCESS OF $170,000 *

DEFERRED                                                                               X
COMPENSATION
</TABLE>

FOR EXAMPLE:

<TABLE>
<S>                           <C>
Annual Cash Compensation      $300,000
Amount of Deferral            $ 60,000
                              --------
Non-Deferred Compensation     $240,000
</TABLE>

The 4% SIP match would be allocated to the participant's accounts as follows:

<TABLE>
<CAPTION>

COMPENSATION                   SIP (QUALIFIED PLAN)           AUXILIARY SIP             AUXILIARY SIP FOR DEFERRALS
<S>                            <C>                    <C>                               <C>
NON-DEFERRED COMPENSATION:           $6,800
UP TO $170,000 *                 4% of $170,000

NON-DEFERRED COMPENSATION                                        $2,800
IN EXCESS OF $170,000 *                                4% of ($240,000 - $170,000)

DEFERRED                                                                                           $2,400
COMPENSATION                                                                                   4% of $60,000
</TABLE>

*  Maximum compensation limit under the Internal Revenue Code (IRC) for
   Qualified Plans, indexed from time to time, is currently $170,000. Note that
   the Company matching contribution for Auxiliary SIP is subject to FICA tax as
   well.
<PAGE>   13
HOW ARE PLAN PAYMENTS TO ME OR MY BENEFICIARIES TREATED FOR INCOME TAX PURPOSES?

For federal tax purposes, generally, payments are taxed as ordinary income when
received and are subject to income tax withholding at the rate applicable in the
year received. For deferrals that are excluded from state and local taxable
income at the time the deferrals are made, payments are taxed as ordinary income
when received.

For deferral payments made while you are an active employee, MetLife uses a flat
income tax withholding rate.

HOW DOES METLIFE FUND THE DEFERRED COMPENSATION ACCOUNTS?

The deferred compensation accounts established for each participant are
unfunded. The accounts are solely for record-keeping purposes. MetLife has
established a Rabbi Trust designed to support the deferred compensation and
certain other programs with assets and change of control protection. The
existence of the trust in no way guarantees payment to any participant. It is
important to understand that, at all times, the Trust assets remain subject to
the claims of MetLife's general creditors and are not secured against all
contingencies, including the Company becoming insolvent.

HOW WILL EARNINGS BE CREDITED TO MY ACCOUNT?

The investment options you select are used solely as a device for crediting
investment returns to your account; your deferrals will not actually be invested
in the investment options. Your investment returns will "mirror" the actual
performance of the investment options you choose and performance will be
measured on a daily basis. Your deferrals are subject to investment risk. As
with any investment, if the returns on the funds you choose are positive, your
account balance will grow. If the returns are negative, your account balance
will diminish.

12.<PAGE>   1
                                                                  Exhibit 10.57

                              AMENDMENT TO THE
          NEW METROPOLITAN LIFE AUXILIARY RETIREMENT BENEFITS PLAN

         The NEW METROPOLITAN LIFE AUXILIARY RETIREMENT BENEFITS PLAN ("Plan")
is hereby amended as follows:

         1.       Article 1 of the Plan is hereby amended to provide as follows:

                  "Article 1 - PURPOSE OF PLAN

                  The purpose of the Plan is to provide to certain participants
         employed by Metropolitan Life Insurance Company (the Company) and
         Metropolitan Property and Casualty Insurance Company (the Subsidiary)
         and their beneficiaries under the Metropolitan Life Retirement Plan for
         United States Employees ("the Retirement Plan") the excess amount that
         would have been payable under the Retirement Plan in the absence of the
         limitations under (i) section 415 of the Internal Revenue Code of 1986
         (as amended) ("the Internal Revenue Code"), and (ii) section 401(a)(17)
         of the Internal Revenue Code."

<PAGE>   2

         2.       Article 2 of the Plan is hereby amended as follows:

         "Article 2 - PARTICIPATION

                  (A) Except as provided in Paragraph (B) below, a Participant
         under the Plan is any Company or Subsidiary employee participating in
         the Retirement Plan (a) whose benefits are reduced because of the
         application of (i) section 415 of the Internal Revenue Code, or (ii)
         section 401(a)(17) of the Internal Revenue Code.

                  (B)(1) No individual shall be a Participant if on or after
         January 1, 1995 he or she is a participant in the Metropolitan Life
         Supplemental Retirement Plan.

                     (2) If on or after January 1, 1995 a Participant becomes
         eligible to participate in the Metropolitan Life Supplemental
         Retirement Plan, his or her Participation in the Plan shall cease on
         that date and all the benefits under the Plan that accrued through that
         date shall be forfeited under this Plan; instead, such accruals shall
         be part of such individual's benefits under the Metropolitan Life
         Supplemental Retirement Plan in which he or she will be a participant."

                                      2
<PAGE>   3

3.       Article 4 of the Plan is hereby amended as follows:

         "Article 4.  UNFUNDED PLAN.
                      --------------

                  The Plan is completely unfunded, and payment of benefits is
         supported only by the general assets of the Company or the Subsidiary.
         This Plan is entirely separate from the Retirement Plan, the
         Metropolitan Life Auxiliary Retirement Benefits Plan, the New
         Metropolitan Life Supplemental Auxiliary Retirement Benefits Plan, and
         the Metropolitan Supplemental Retirement Plan, and participation in
         this Plan gives a Participant no right to any funds or assets of the
         Retirement Plan, the Metropolitan Life Auxiliary Retirement Benefits
         Plan, the New Metropolitan Life Supplemental Auxiliary Retirement
         Benefits Plan, or the Metropolitan Life Supplemental Retirement Plan.
         The fact that contracts or certificates of the Company may be
         distributed to recipients of benefits under the Retirement Plan in
         discharge of the Company's or the Subsidiary's obligations thereunder
         shall in no way entitle a Participant in this Plan to receive any such
         contract or certificate in discharge of the Company's or the
         Subsidiary's obligations hereunder."

                                      3
<PAGE>   4

4.       Article 6 of the Plan is hereby amended as follows:

         "Article 6.  EFFECT OF TAXES

                  In making payments under this Plan, the Company and the
         Subsidiary shall withhold any Federal, state or local income or other
         taxes it determines that it is legally obligated to withhold. In the
         event the payments received by the Participant incur greater tax
         burdens (whether income, estate or other tax burdens) than would such
         payments if they had been able to be received under the Retirement
         Plan, the Company and the Subsidiary shall have no obligation to
         reimburse the Participant for such greater tax burdens."

5.       This amendment shall be effective on January 1, 1999.

                                      4
<PAGE>   5

         IN WITNESS WHEREOF, the Company has caused this amendment to be
executed in its name and behalf this day of , 2001, by its officer thereunto
duly authorized.

                                            METROPOLITAN LIFE INSURANCE COMPANY

                                            By
                                               --------------------------------
ATTEST:

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

                                      5

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