Document:

<PAGE>

                                                                   EXHIBIT 10.25

                       FIRST AMENDMENT TO CREDIT AGREEMENT

         THIS FIRST AMENDMENT TO CREDIT AGREEMENT, dated as of December 19, 2003
(this "Amendment"), amends the Credit Agreement, dated as of April 23, 2002 (the
"Credit Agreement"), among METLIFE, INC., METROPOLITAN LIFE INSURANCE COMPANY
and METLIFE FUNDING, INC., as borrowers, certain Lenders party hereto (the
"Lenders"), BANK ONE, NA, CITIBANK N.A., JP MORGAN CHASE BANK AND WACHOVIA BANK,
N.A., as Co-Syndication Agents, and BANK OF AMERICA, N.A., as Administrative
Agent (the "Administrative Agent") for the Lenders. Terms defined in the Credit
Agreement are, unless otherwise defined herein or the context otherwise
requires, used herein as defined therein.

         WHEREAS, the parties hereto have entered into the Credit Agreement,
which provides for the Lenders to extend certain credit facilities to the
Borrowers from time to time; and

         WHEREAS, the parties hereto desire to amend the Credit Agreement in
certain respects as hereinafter set forth;

         NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration (the receipt and sufficiency of which are hereby
acknowledged), the parties hereto agree as follows:

         SECTION 1. AMENDMENT. Effective as of the date hereof,

         1.1      Definition. The definition of "L/C Commitment" in Section 1.1
of the Credit Agreement is hereby amended to state in its entirety as follows:

                  "L/C Commitment" means the commitment of each Lender to
                  severally Issue Letters of Credit from time to time under
                  Article III, in an amount not to exceed at any time
                  outstanding the amount set forth on Schedule 2.1, as reduced
                  pursuant to Section 2.7 or changed by one or more assignments
                  under Section 10.4. The combined L/C Commitments on the date
                  of the First Amendment hereto are $500,000,000."

         1.2      Schedule 2.1. Schedule 2.1 of the Credit Agreement is hereby
amended to state in its entirety as set forth in Schedule 2.1 hereto.

         SECTION 2. CONDITIONS PRECEDENT. This Amendment shall become effective
when the Administrative Agent shall have received all of the following documents
duly executed, dated the date hereof or such other date as shall be acceptable
to the Administrative Agent, and in form and substance satisfactory to the
Administrative Agent:

         (a)      Amendment. This Amendment, duly executed by the Borrowers, the
Issuing Lender, the Administrative Agent and the Required Lenders.

         (b)      Secretary's Certificate. A certificate of the secretary or an
assistant secretary of each Borrower, as to (i) resolutions of the Board of
Directors of such

<PAGE>

Borrower then in full force and effect authorizing the execution, delivery and
performance of this Amendment and each other document described herein, and (ii)
the incumbency and signatures of those officers of such Borrower authorized to
act with respect to this Amendment and each other document described herein.

         SECTION 3. REPRESENTATIONS AND WARRANTIES. To induce the Lenders and
the Administrative Agent to enter into this Amendment, the Borrowers hereby
represent and warrant to the Administrative Agent and each Lender as follows:

         3.1      Due Authorization, Non-Contravention, etc. The execution,
delivery and performance by the Borrowers of this Amendment are within the
Borrowers corporate powers, have been duly authorized by all necessary corporate
action, and do not

                  (a) contravene the Borrowers' charters, by-laws or other
         organizational documents;

                  (b) contravene any contractual restriction, law or
         governmental regulation or court decree or order binding on or
         affecting the Borrowers; or

                  (c) result in, or require the creation or imposition of, any
         Lien on any of the Borrowers' properties.

         3.2      Government Approval, Regulation, etc. No authorization or
approval or other action by, and no notice to or filing with, any governmental
authority or regulatory body or other Person is required for the due execution,
delivery or performance by the Borrowers of this Amendment.

         3.3      Validity, etc. This Amendment constitutes the legal, valid and
binding obligation of the Borrowers enforceable in accordance with its terms,
subject to applicable bankruptcy, insolvency, reorganization, moratorium or
other laws affecting creditors' rights generally and subject to general
principles of equity, regardless of whether considered in a proceeding in equity
or at law.

         SECTION 4. MISCELLANEOUS.

         4.1      Continuing Effectiveness, etc. This Amendment shall be deemed
to be an amendment to the Credit Agreement, and the Credit Agreement, as amended
hereby, shall remain in full force and effect and is hereby ratified, approved
and confirmed in each and every respect. After the effectiveness of this
Amendment in accordance with its terms, all references to the Credit Agreement
in the Loan Documents or in any other document, instrument, agreement or writing
shall be deemed to refer to the Credit Agreement as amended hereby.

         4.2      Payment of Costs and Expenses. The Borrower agrees to pay on
demand all expenses of the Administrative Agent (including the fees and
out-of-pocket expenses of counsel to the Administrative Agent) in connection
with the negotiation, preparation, execution and delivery of this Amendment.

                                       2
<PAGE>

         4.3      Severability. Any provision of this Amendment which is
prohibited or unenforceable in any jurisdiction shall, as to such provision and
such jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions of this Amendment
or affecting the validity or enforceability of such provision in any other
jurisdiction.

         4.4      Headings. The various headings of this Amendment are inserted
for convenience only and shall not affect the meaning or interpretation of this
Amendment or any provisions hereof.

         4.5      Execution in Counterparts. This Amendment may be executed by
the parties hereto in several counterparts, each of which shall be deemed to be
an original and all of which shall constitute together but one and the same
agreement.

         4.6      Governing Law. THIS AMENDMENT SHALL BE DEEMED TO BE A CONTRACT
MADE UNDER AND GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK.

         4.7      Successors and Assigns. This Amendment shall be binding upon
and shall inure to the benefit of the parties hereto and their respective
successors and assigns.

                                       3
<PAGE>

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
by their respective officers thereunto duly authorized as of the day and year
first above written.

                                    METLIFE, INC.
                                    /s/ Anthony J. Williamson
                                    ------------------------------------------
                                    By: Anthony J. Williamson
                                    Title: Senior Vice President and Treasurer

                                    METROPOLITAN LIFE INSURANCE COMPANY
                                    /s/ Anthony J. Williamson
                                    ------------------------------------------
                                    By: Anthony J. Williamson
                                    Title: Senior Vice President and Treasurer

                                    METLIFE FUNDING, INC.
                                    /s/ Anthony J. Williamson
                                    ------------------------------------------
                                    By: Anthony J. Williamson
                                    Title: Chairman, President and
                                           Chief Executive Officer

                                       S-1
<PAGE>

                                    BANK OF AMERICA, N.A.,
                                    individually and as Administrative Agent,

                                    By: /s/ Leslie Nannen
                                        --------------------------------------
                                        Title: Vice President

                                      S-2
<PAGE>

                                    BANK ONE, NA

                                    By: /s/ Gretchen Roetzer
                                        ---------------------------
                                        Title: Director

                                      S-3
<PAGE>

                                    CITIBANK, N.A.

                                    By: /s/ David A. Dodge
                                        ---------------------------
                                        Title: Managing Director

                                      S-4
<PAGE>

                                    JPMORGAN CHASE BANK

                                    /s/ Heather Lindstrom
                                    ------------------------------
                                    By:    Heather Lindstrom
                                    Title: Vice President

                                      S-5
<PAGE>

                                    WACHOVIA BANK, NATIONAL ASSOCIATION

                                    /s/ Kimberly Shaffer
                                    -----------------------------
                                    By: Kimberly Shaffer
                                    Title: Director

                                      S-6
<PAGE>

                                    THE NORTHERN TRUST COMPANY

                                    /s/ Eric Dybing
                                    ------------------------------------
                                    By: Eric Dybing
                                    Title: Second Vice President
                                           The Northern Trust Company

                                      S-7
<PAGE>

                                    DEUTSCHE BANK AG, NEW YORK BRANCH

                                    By:
                                    Title:

                                    By:
                                    Title:

                                      S-8
<PAGE>

                                    ROYAL BANK OF CANADA

                                    /s/ A. Birr
                                    -----------------------------
                                    By: Alexander Birr
                                    Title: Authorized Signatory

                                      S-9
<PAGE>

                                    CREDIT SUISSE FIRST BOSTON
                                    Acting through its Cayman Islands Branch

                                      /s/ Jay Chall
                                      -------------------------------
                                      By:     Jay Chall
                                      Title:  Director

                                      /s/ Cassandra Droogan
                                      -------------------------------
                                      By:     Cassandra Droogan
                                      Title:  Associate

                                      S-10
<PAGE>

                                    U.S. BANK NATIONAL ASSOCIATION

                                    By:
                                    Title:

                                      S-11
<PAGE>

                                    FLEET NATIONAL BANK

                                    /s/ Marcio Chapina
                                    ------------------------------
                                    By:    Marcio Chapina
                                    Title: Vice President

                                      S-12
<PAGE>

                                    MELLON BANK, N.A.

                                    /s/ Carrie Burnham
                                    -------------------------------
                                    By:     Carrie Burnham
                                    Title:  Assistant Vice President

                                      S-13
<PAGE>

                                    BNP PARIBAS

                                    /s/ Laurent Vanderzyppe
                                    ----------------------------
                                    By:    Laurent Vanderzyppe
                                    Title: Director

                                    /s/ Phil Truesdale
                                    ----------------------------
                                    By:    Phil Truesdale
                                    Title: Director

                                      S-14
<PAGE>

                                    PNC BANK, NATIONAL ASSOCIATION

                                    /s/ Kirk Seagers
                                    -------------------------------
                                    By:    Kirk Seagers
                                    Title: Vice President & Director

                                      S-15
<PAGE>

                                    STATE STREET BANK AND TRUST COMPANY

                                    By:     /s/ Illegible
                                    Title:  Vice President

                                      S-16
<PAGE>

                                    LEHMAN COMMERCIAL PAPER, INC.

                                   /s/ Jane E. Gillard
                                   --------------------------------
                                   By: Jane E. Gillard
                                   Title: Authorized Signatory

                                      S-17
<PAGE>

                                  Schedule 2.1

                         COMMITMENTS AND L/C COMMITMENTS

<TABLE>
<CAPTION>
              Lender                    Commitment    L/C Commitment
-----------------------------------  ---------------  --------------
<S>                                  <C>              <C>
Bank of America, N.A.                $   110,000,000  $    44,000000
Bank One, NA                         $    97,500,000  $   39,000,000
Citibank, N.A.                       $    97,500,000  $   39,000,000
JPMorgan Chase Bank                  $    97,500,000  $   39,000,000
Wachovia Bank, NA                    $    97,500,000  $   39,000,000
BNP Paribas                          $    85,000,000  $   34,000,000
Credit Suisse First Boston           $    85,000,000  $   34,000,000
Deutsche Bank AG, New York Branch    $    85,000,000  $   34,000,000
Lehman Commercial Paper, Inc.        $    85,000,000  $   34,000,000
Fleet National Bank                  $    70,000,000  $   28,000,000
Mellon Bank, N.A.                    $    70,000,000  $   28,000,000
The Northern Trust Company           $    70,000,000  $   28,000,000
State Street Bank and Trust Company  $    50,000,000  $   20,000,000
U.S. Bank National Association       $    50,000,000  $   20,000,000
Royal Bank of Canada                 $    50,000,000  $   20,000,000
PNC Bank, NA                         $    50,000,000  $   20,000,000

COMMITMENTS                          $ 1,250,000,000  $  500,000,000
</TABLE>

                                        1<PAGE>

                                                                   EXHIBIT 10.39

             METROPOLITAN LIFE AUXILIARY SAVINGS AND INVESTMENT PLAN

<PAGE>

             METROPOLITAN LIFE AUXILIARY SAVINGS AND INVESTMENT PLAN

                 (Restated Effective Through December 15, 2003)

         Metropolitan Life Insurance Company, with respect to its own employees,
and Metropolitan Property and Casualty Insurance Company, MetLife Credit Corp.,
MetLife Funding, Inc., MetLife Group, Inc., MetLife Securities, Inc., MetLife
Bank, National Association (limited to employees of the MetLife Bank Division)
and Texas Life Insurance Company, for whom all obligations under this Plan for
their respective employees are assumed by Metropolitan Life Insurance Company,
hereby amend and restate this Plan effective December 15, 2003.

Article 1 - Purpose of Plan

         The purpose of this Plan is to provide Company matching contributions
on behalf of employees and their beneficiaries whose Company matching
contributions under the Savings and Investment Plan are reduced or eliminated
solely because of Sections 415(c) and/or 401(a)(17) of the Internal Revenue Code
of 1986, as amended ("Code").

Article 2 - Definitions

2.1      "Beneficiary" means one or more persons designated by a Participant or
otherwise determined under Section 4.5 to receive that portion of the
Participant's vested account balance which has not been distributed as a result
of his or her death.

2.2      "Company" means Metropolitan Life Insurance Company, Metropolitan
Property and Casualty Insurance Company, MetLife Credit Corp., MetLife Funding,
Inc., MetLife Group,

<PAGE>

Inc., MetLife Securities, Inc., MetLife Bank, National Association (limited to
employees of the MetLife Bank Division) and Texas Life Insurance Company.

2.3      "Participant" means any employee of the Company participating in the
Savings and Investment Plan who satisfies the requirements of Article 3.

2.4      "Plan" means the Metropolitan Life Auxiliary Savings and Investment
Plan.

2.5      "Plan Administrator" means Metropolitan Life Insurance Company.

2.6      "Plan Year" means the calendar year.

2.7      "Savings and Investment Plan" means the Savings and Investment Plan for
Employees of Metropolitan Life and Participating Affiliates, a qualified 401(k)
plan.

2.8      "Termination of Employment" means the voluntary or involuntary
severance of the employment relationship between the Participant and the Company
or any illness or injury for which the Participant, who has one or more years of
continuous service, is receiving disability benefits (including short-term and
long-term disability) from the Company's disability plans for a continuous
period of 24 months.

Article 3 - Participation

         Each participant in the Savings and Investment Plan whose compensation
exceeds the limitation of Section 401(a)(17) of the Code and whose Company
matching contributions under the Savings and Investment Plan are reduced or
eliminated because of the application of (i)

                                     - 2 -
<PAGE>

section 415(c) of the Code and/or (ii) section 401(a)(17) of the Code shall be a
Participant under this Plan.

Article 4 - Vesting and Payment of Benefits

4.1      Company Matching Contributions.

         (a)      In General. Except as provided in subsection (b), for each
Plan Year, the Company shall contribute to this Plan, on behalf of each
Participant, the amount of Company Matching Contributions that would have been
made to the Savings and Investment Plan had the limitations of Sections
401(a)(17) and/or 415(c) of the Code not applied to the Participant's account
under the Savings and Investment Plan.

         (b)      Suspension for Savings and Investment Plan Withdrawals.
Notwithstanding subsection (a), no Company Matching Contributions shall be made
for the six-month period beginning on the first day of the second month after
the date that the Participant receives (1) a hardship withdrawal of his or her
401(k) contributions under the provisions of the Savings and Investment Plan or
(2) a withdrawal of Company matching contributions under the provisions of the
Savings and Investment Plan.

4.2.     Vesting of Company Matching Contributions. Company Matching
Contributions under this Plan shall vest in accordance with the vesting schedule
applicable to Company matching contributions under the Savings and Investment
Plan.

4.3      Elections and Tracking of Investment Performance. Subject to the
Company's consent, a Participant may make an election with respect to the
investment allocation of future Company contributions as well as existing
balances. Such allocation shall be pegged to the performance of

                                     - 3 -
<PAGE>

one or more of the following funds set forth under the Savings and Investment
Plan: the Fixed Income Fund, the Equity Fund, the Common Stock Index Fund, the
Small Company Stock Fund, the International Equity Fund, the Emerging Markets
Equity Fund, the Value Equity Fund, the Blended Small Company Stock Fund and/or
the MetLife Company Stock Fund thereunder. No investment allocation election
shall represent an actual investment in any such fund, but shall merely reflect
the performance of such fund. Thus, the Participant's account balance under this
Plan shall be adjusted for income, gains and losses in the same manner as if
such Participant had directed the investment of his or her account balance among
one or more of the aforementioned funds under the Savings and Investment Plan.
The Participant's ability to change the investment allocation of future
contributions and existing balances shall be subject to the same rules and
restrictions as apply under the Savings and Investment Plan; however, no
Participant shall have the right to: (i) exercise voting, tender or exchange
rights with respect to amounts treated as if they were invested in the MetLife
Company Stock Fund or (ii) receive any distribution from the Plan in a form
other than cash. If a Participant fails to specify the investment allocation of
contributions to this Plan, then earnings, gains and/or losses on such
contributions shall be determined using the returns from the Fixed Income Fund
until changed by the Participant or Beneficiary. Notwithstanding the foregoing,
it will be within the discretion of the Company whether contributions are
actually invested according to each Participant's stated preferences.

4.4.     Participant's Election of Time and Form of Benefit Distribution.

         (a)      In General. Except as otherwise provided in this Section, a
Participant may elect, subject to the consent of the Company, to receive
benefits in the form of a single sum,

                                     - 4 -
<PAGE>

installments or an annuity subject to the same duration, terms and conditions
under which such methods of distribution are payable under the Savings and
Investment Plan. Such election shall be made on a form prescribed by the Company
and shall require the Participant to designate the mode of payment requested and
the date on which benefits will commence to be paid. Benefits shall become
payable on the date elected by the Participant in the election form which date
shall not be earlier than the later of (i) twelve (12) months subsequent to the
date on which the Participant files the election form with the Company; and (ii)
the day before the date on which the Participant has a Termination of
Employment. If the Participant has a Termination of Employment prior to
attaining age 70 1/2, and no benefit election form is received from a
Participant by April 1st of the calendar year following the calendar year in
which the Participant attained age 70 1/2, such Participant will be deemed to
have elected to receive his or her account balance in the form of a single sum
by April 1st of the calendar year following the calendar year in which he or she
attains age 71 1/2, and such amount shall be paid accordingly.

         (b)      Cash-out of a Participant's Account Balance. If, as of the
date of such Participant's Termination of Employment or such other date which is
established by the Plan Administrator and communicated to the affected
Participants, such Participant's vested account balance does not exceed $20,000,
such Participant's vested account balance will be distributed in a single sum as
soon as practicable following his or her death or Termination of Employment,
notwithstanding any election that such Participant may have made under
subsection (a) regarding the form and time of commencing distribution of his or
her vested account balance.

                                     - 5 -
<PAGE>

         (c)      No In-Service Withdrawals or Loans. Notwithstanding any
provision in this Plan to the contrary, no benefits under this Plan will be
eligible for any in-service withdrawal by a Participant or any loans to a
Participant.

         (d)      Distributions after Participant's Death. If, at the time of
the Participant's death, benefits had commenced but amounts remained
undistributed to such Participant, then benefit payments shall continue to be
made to the Participant's Beneficiary (determined in accordance with Section
4.5) in accordance with the method by which benefit payments were being made to
the Participant. If, at the time of the Participant's death, benefit payments
had not commenced to be made to him or her, then, except as otherwise provided
in this Article, the Participant's Beneficiary may elect, subject to the consent
of the Company, to receive benefits in the form of a single sum, installments or
an annuity subject to the same duration, terms and conditions under which such
methods of distribution are payable to beneficiaries under the Savings and
Investment Plan. Such election shall be made on a form prescribed by the Company
and shall require the Beneficiary to designate the mode of payment requested and
the date on which benefits will commence to be paid. Benefits payable in any
form shall become payable on the date elected by the Beneficiary in the election
form which date shall not be earlier than twelve (12) months subsequent to the
date on which the Beneficiary files the election form with the Plan
Administrator; however, the benefit selected must require the entire account
balance to be paid to the Beneficiary no later than the December 31 of the year
which is the fifth anniversary of the Participant's death. If no such election
is made, the attempted election is deemed by the Plan Administrator to be
ineffective, or the Company does not consent to the time or method of

                                     - 6 -
<PAGE>

distribution elected by the Beneficiary, then the Participant's vested account
balance shall be distributed to the Beneficiary in the form of a single sum as
soon as practicable.

         4.5      Beneficiary. Except as provided below, the Participant's
Beneficiary shall be the beneficiary designated by the Participant under the
Savings and Investment Plan. However, if the Participant filed a beneficiary
designation under this Plan, such designation shall supersede the Participant's
beneficiary designation under the Savings and Investment Plan and upon the
Participant's death, benefits shall be payable to the primary Beneficiary(ies)
designated under this Plan. If there is more than one beneficiary under the
Savings and Investment Plan or more than one primary Beneficiary under this Plan
and the beneficiary designation does not specify the percentage of the
Participant's benefit to be paid to each such Beneficiary, each Beneficiary
shall share equally in the benefits under the Plan. If one or more Beneficiaries
predecease the Participant, the surviving Beneficiary(ies) shall share equally
in the deceased Beneficiary's portion of the Plan benefits. If all primary
Beneficiaries predecease the Participant, benefits shall be payable to the
contingent Beneficiary(ies) upon the Participant's death. If there is more than
one contingent Beneficiary(ies), and the contingent Beneficiary designation does
not specify the percentage of the Participant's benefit to be paid to each such
Beneficiary, each contingent Beneficiary shall share equally in the benefits
under the Plan. If one or more contingent Beneficiaries predecease the
Participant, the surviving contingent Beneficiary(ies) shall share equally in
the deceased contingent Beneficiary's portion of the Plan benefits. If all
contingent Beneficiaries predecease the Participant, or if there is no
beneficiary designation in effect on the

                                     - 7 -
<PAGE>

date of the Participant's death, benefits will be payable to the Participant's
surviving spouse or, in the absence of such spouse, to the Participant's estate.

         4.6      No Duplication of Benefits. Notwithstanding any provision in
this Plan to the contrary, no similar benefit that is paid under this Plan shall
be paid under any other deferred compensation plan(s) created by the Company or
any of its affiliates.

         4.7      Transfer of Auxiliary Pension Plan Benefit into this Plan. In
the event that a Participant of the Metropolitan Life Retirement Plan for United
States Employees ("Retirement Plan") directs his or her accrued Personal
Retirement Account ("PRA") benefit under the Retirement Plan or his or her
pension lump sum (as determined under the GenAmerica Performance Pension Plan
formula of the Retirement Plan) under the Retirement Plan to be transferred to
the Savings and Investment Plan and the Participant has a vested account balance
under this Plan which exceeds $20,000, then such Participant's accrued PRA
benefit and/or pension lump sum benefit under the MetLife Auxiliary Pension Plan
will be transferred to this Plan and will be payable in accordance with the
terms of this Plan.

                                     - 8 -
<PAGE>

Article 5 - Unfunded Plan

         The Plan is completely unfunded, and payment of benefits is supported
only by the general assets of each Company. This Plan is entirely separate from
the Savings and Investment Plan and participation in this Plan gives a
Participant no right to any funds or assets of the Savings and Investment Plan
or of the Company. The fact that contracts or certificates of the Company may be
distributed to recipients of benefits under the Savings and Investment Plan in
discharge of the Company'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 obligations hereunder.

Article 6 - Nontransferability of Participant's Interest

         No Participant shall have any power or right to transfer, assign,
mortgage, commute or otherwise encumber any of the benefits payable hereunder,
nor shall such benefits be subject to seizure for the payment of any debts or
judgments, or be transferable by operation of law in the event of bankruptcy,
insolvency or otherwise.

Article 7 - Effect of Taxes

         In making payments under this Plan, the Company 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
result in greater tax burdens (whether income, estate or other tax burdens) than
they would if such payments had been able to be received under the Savings and
Investment Plan, the Company shall have no obligation to reimburse the
Participant for such greater tax burdens.

                                     - 9 -
<PAGE>

Article 8 - Administration of the Plan

8.1.     Plan Administrator's Interpretation Binding

         The Plan Administrator is empowered to take all actions it deems
appropriate in administering this Plan. In the event of a difference of opinion
between a Participant and the Plan Administrator with respect to the meaning or
application of the provisions of the Plan, the Plan Administrator's final
interpretation shall be set forth in writing to the Participant and shall be
binding and conclusive. However, once a Change of Control (as defined in Article
11) has occurred, this Article 8 shall no longer apply to differences of opinion
between the Plan Administrator and a Participant regarding the application of
Article 11 of this Plan to a Participant or with regard to any rights or
benefits protected under Article 11 of this Plan or otherwise accrued prior to
the Change of Control including the vesting thereof.

8.2.     Claims and Review Procedure.

         Claims for benefits and appeals of denied claims under the Plan shall
be administered in accordance with Section 503 of ERISA, the regulations
thereunder (and any other law that amends, supplements or supersedes said
Section of ERISA), and the procedures adopted by the Plan Administrator, or its
delegate, as appropriate. The claims procedures referenced above are
incorporated herein by reference. The Plan shall provide adequate notice to any
claimant whose claim for benefits under the Plan has been denied, setting forth
the reasons for such denial, and afford a reasonable opportunity to such
claimant for a full and fair review by the Plan Administrator of the decision
denying the claim. Benefits will be paid under the Plan only if the

                                     - 10 -
<PAGE>

Plan Administrator, or its delegate, determines in its discretion that the
applicant is entitled to them.

Article 9 - Governing Law

         To the extent not inconsistent with Federal law, the validity of the
Plan and its provisions shall be construed according to the laws of the State of
New York.

Article 10 - Amendment and Termination of Plan

         10.1     Amendment or Termination of the Plan. Except to the extent
required by law, the Plan Administrator may amend or terminate this Plan at any
time without the consent of any Participant or of any other person. However, any
such amendment or termination will not affect adversely the benefit entitlements
of:

         (a)      any Participant receiving benefits under the Plan at or prior
                  to the time of such amendment or termination, or

         (b)      any employee who is a Participant in the Savings and
                  Investment Plan to the extent of the account balance under
                  this Plan prior to the time of such amendment or termination.
                  However, amendments may be made to all other aspects of this
                  Plan including, but not limited to:

                  (i)      amendments impacting the timing under which the
                           Participant's entire account balance is paid, or,

                  (ii)     amendments impacting the optional forms of
                           distribution available for payment of the
                           Participant's entire account.

                                     - 11 -
<PAGE>

         Notwithstanding the above, any amendment or group of amendments made
effective on the same date, which would increase or decrease the annual cost of
Plan benefits for active Plan Participants and former Plan Participants by ten
million dollars or more in the aggregate, as determined in good faith by the
Plan Administrator, shall take effect only after the action is authorized or
ratified by the Board of Directors of Metropolitan Life Insurance Company.

         10.2     Effect of Change of Control. Notwithstanding the provisions of
Section 10.1 above, or any other provision of this Plan, on or after a Change of
Control (as defined in Article 11),

         (a)      amendments can no longer be made to or have any impact upon
                  Article 8, Section 10.2 of Article 10 or Article 11 of this
                  Plan; and

         (b)      Participants who:

                  (i)      accrued rights or benefits under this Plan prior to a
         Change of Control (as defined in Article 11), and,

                  (ii)     whose rights or benefits are not vested at the time
         of the Change of Control cannot have the vesting schedule under Section
         4.2, applicable on the day prior to the Change of Control, amended with
         regard to such rights or benefits, and cannot forfeit, or be deprived
         of, their right to vest in these accrued benefits due to any amendment
         or termination of this Plan.

Article 11. Change of Control

11.1.  Definitions.

                                     - 12 -
<PAGE>

         (a)      Change of Control. For the purposes of this Plan, a "Change of
Control" shall be deemed to have occurred if:

                  (i)      any Person acquires "beneficial ownership" (within
         the meaning of Rule 13d-3 under the Securities Exchange Act of 1934, as
         amended (the "Exchange Act")), directly or indirectly, of securities of
         the Corporation representing 25% or more of the combined Voting Power
         of the Corporation's securities;

                  (ii)     within any 24-month period, the persons who were
         directors of the Corporation at the beginning of such period (the
         "Incumbent Directors") shall cease to constitute at least a majority of
         the Board of Directors of the Corporation (the "Board") or the board of
         directors of any successor to the Corporation; provided, however, that
         any director elected or nominated for election to the Board by a
         majority of the Incumbent Directors then still in office shall be
         deemed to be an Incumbent Director for purposes of this Section
         11.1(a)(ii);

                  (iii)    the stockholders of the Corporation approve a merger,
         consolidation, share exchange, division, sale or other disposition of
         all or substantially all of the assets of the Corporation which is
         consummated (a "Corporate Event"), and immediately following the
         consummation of which the stockholders of the Corporation immediately
         prior to such Corporate Event do not hold, directly or indirectly, a
         majority of the Voting Power of (A) in the case of a merger or
         consolidation, the surviving or resulting corporation, (B) in the case
         of a share exchange, the acquiring corporation, or (C) in the case of a
         division or a sale or other disposition of assets, each surviving,
         resulting or acquiring corporation

                                     - 13 -
<PAGE>

         which, immediately following the relevant Corporate Event, holds more
         than 25% of the consolidated assets of the Corporation immediately
         prior to such Corporate Event; or

                  (iv)     any other event occurs which the Board declares to be
         a Change of Control.

         (b)      Corporation. For the Purposes of this Article, "Corporation"
means MetLife, Inc.

         (c)      Person. For purposes of the definition of Change of Control,
"Person" shall have the meaning ascribed to such term in Section 3(a)(9) of the
Exchange Act, as supplemented by Section 13(d)(3) of the Exchange Act, and shall
include any group (within the meaning of Rule 13d-5(b) under the Exchange Act);
provided, however, that "Person" shall not include (A) the Corporation or any
Affiliate, (B) the MetLife Policyholder Trust (or any person(s) who would
otherwise be described herein solely by reason of having the power to control
the voting of the shares held by that trust), or (C) any employee benefit plan
(including an employee stock ownership plan) sponsored by the Corporation,
Company or any Affiliate.

         (d)      Voting Power. For purposes of the definition of Change of
Control, "Voting Power" shall mean such number of Voting Securities as shall
enable the holders thereof to cast all the votes which could be cast in an
annual election of directors of a company, and "Voting Securities" shall mean
all securities entitling the holders thereof to vote in an annual election of
directors of a company.

         (e)      Affiliate. For the purposes of this article, an "Affiliate"
shall mean any corporation, partnership, limited liability company, trust or
other entity which directly, or indirectly through one or more intermediaries,
controls, or is controlled by, the Corporation.

         (f)      Cause. For the purposes of this article, "Cause" means either:

                                     - 14 -
<PAGE>

                  (i)      the Participant's conviction or plea of nolo
         contendere to a felony, or,

                  (ii)     any act or acts of dishonesty or gross misconduct on
         the Participant's part which results or is intended to result in
         material damage to the business or reputation of MetLife.

         (g)      Good Reason. For the purposes of this article, "Good Reason"
means any of:

                  (i)      any reduction by the Corporation or an Affiliate in
         the Participant's base salary rate below the rate in effect immediately
         before the date of the Change of Control;

                  (ii)     any relocation by the Corporation or an Affiliate of
         the Participant's usual base work location to any other office or
         location more than 50 miles from the Participant's usual base work
         location immediately prior to a Change of Control, except for travel
         reasonably required in the performance of the Participant's
         responsibilities;

                  (iii)    if the Participant is a party to an Employment
         Continuation Agreement with the Corporation or an Affiliate, any
         circumstance or occurrence constituting "Good Reason" under that
         Employment Continuation Agreement; or

                  (iv)     the failure of the Corporation or an Affiliate to pay
         the Employee's base salary or employee benefits as required by law.

11.2.    Vesting and Other Rights on and After a Change of Control Subject to
Conditions

In the event that:

         (a)      there is a Change of Control as defined in Section 11.1(a) of
this Article, and,

                                     - 15 -
<PAGE>

         (b)      on the date of the Change of Control or on a date before the
second anniversary of the Change of Control, a Participant in this Plan:

                  (i)      is involuntarily terminated from employment by the
         Corporation or any Affiliate (other than directly in connection with a
         transfer of employment to or from the Corporation or any Affiliate)
         without Cause, or

                  (ii)     voluntarily terminates employment with the
         Corporation or any Affiliate for Good Reason,

then the Participant's benefits and rights accrued as of the Change of Control
under the Savings and Investment Plan and this Plan will vest immediately under
this Plan, notwithstanding any other provision of the Savings and Investment
Plan or this Plan, or any amendment or termination of this Plan taking place on
or after a Change of Control.

                                     - 16 -
<PAGE>

         These account balances will be paid under this Plan according to the
ordinary distribution rules of this Plan. The ordinary distribution rules of
this Plan are described in Article 4 as it existed immediately prior to the
Change of Control.

December 19, 2003                           METROPOLITAN LIFE INSURANCE COMPANY
----------------------------------
Date

/s/ Teresa Porochnia                        /s/ James N. Heston
----------------------------------          ------------------------------------
Witness                                         James N. Heston
                                                Senior Vice President and Plan
                                                Administrator

                                     - 17 -

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