Document:

EX-10.8

 Exhibit 10.8 

RESTRICTED UNIT AGREEMENT 
 (Three-Year “Cliff” Period of Restriction; No Code 162(m) Goals) 

[Company] (the “Global Affiliate”) confirms that, on [date], [year] (the “Grant Date”), you were
granted [amount in words] ([number]) Restricted Units under the MetLife International Restricted Unit Incentive Plan (the “Plan”), and approves and ratifies such grant. Your Restricted Units are subject to the terms and
conditions of this Restricted Unit Agreement (this “Agreement”) and of the Plan (which is incorporated in this Agreement by reference). Any payment due under this Agreement may be made by any one or more Affiliates (each such Affiliate(s)
making any such payment will be known as a “Paying Affiliate”). 
 1. Standard Settlement Terms

 (a) The terms of this Section 1 shall be referred to as the “Standard Settlement Terms” and will apply to
your Restricted Stock Units except in so far as Sections 2 or 3 apply. 
 (b) The Period of Restriction for your Restricted
Units will begin on the Grant Date and end on the third anniversary of the Grant Date. Each of your Restricted Units will be due and payable in the form of cash after the conclusion of the Period of Restriction, at the time specified in
Section 8. 
 2. Changes of Status. The terms of this Section 2 describe how various events affect your
Restricted Units during the Period of Restriction. For purposes of this Section 2, your transfer between the Company and an Affiliate, or among Affiliates, will not be a termination of employment. If a Change of Control occurs prior to any of
the events described in this Section 2, any applicable terms of Section 3 will supersede the terms of this Section 2. 
 (a) Disability. In the event of your qualification for Disability benefits, the Standard Settlement Terms will continue to apply to your Restricted Units. Notwithstanding any other terms of this
Section 2, if you qualify for Disability benefits no subsequent Termination, other than a Termination for Cause, shall affect your Restricted Units. 
 (b) Death. In the event of your Termination due to your death, each of your Restricted Units will be valued at the Closing Price on the date of death and due and payable in cash. 

(c) Approved Retirement. In the event of your Termination by reason of an Approved Retirement, the Standard Settlement
Terms will continue to apply to your Restricted Units. Subject to Section 2.1(e) of the Plan, you do not need special approval from the Administrator for an Approved Retirement.  

(d) Termination for Cause. Notwithstanding any other terms of this Section 3, in the event of your Termination for Cause,
your Restricted Units will be forfeited immediately. 
 (f) Other Terminations. Unless the Administrator determines
otherwise, if no other provision in this Section 2 regarding change of status applies, each of your Restricted Units will be forfeited immediately upon your Termination unless you are offered a separation agreement by the Company or an
Affiliate under a severance program. To the extent your separation agreement becomes final by March 15 of the calendar year after the separation agreement is 

 
offered to you, your Prorated Units will be due and payable to you. The number of your “Prorated Units” will be determined by dividing the number of calendar months, beginning with the
month of the Grant Date, that have ended as of the end of the month of the termination of your employment by thirty-six (36), multiplying the result by the number of your Units, and rounding to the nearest whole number; provided, however,
that if the date of the termination of your employment is prior to the first anniversary of the Grant Date , then the number of your Prorated Units shall be zero (0). Payment for each of your Units will be made in cash at a value equal to the
Closing Price on the Grant Date, and shall be rounded to the nearest one-hundred dollars ($100.00). If your separation agreement does not become final, your Restricted Units will be forfeited. 

3. Change of Control. The terms of this Section 3 describe how a Change of Control will affect your Restricted Units.
If any of the events described in Section 2 occurs prior to a Change of Control, any applicable terms of Section 2 will supersede the terms of this Section 3. 
 (b) Except as provided in Section 3(c), and unless otherwise prohibited under law or by applicable rules of a national security exchange, if a Change of Control occurs, your Restricted Units will be
due and payable in the form of cash equal to the number of your Restricted Units multiplied by the Change of Control Price. Any payment will be made at the time specified in Section 8. 

(c) The terms of Section 3(b) will not apply to your Restricted Units if the Committee reasonably determines in good faith, prior to
the Change of Control, that you have been granted an Alternative Award for your Restricted Units. “Alternative Award” shall have the same meaning as that term under the MetLife, Inc. 2005 Stock and Incentive Compensation Plan. Any such
Alternative Award shall not accelerate the timing of payment or otherwise violate Code Section 409A, to the extent such Code section is applicable to your Restricted Units. 

4. Nontransferability of Awards. Except as otherwise permitted by the Administrator, you may not sell, transfer, pledge,
assign or otherwise alienate or hypothecate any of your Restricted Units, other than by will or by the laws of descent and distribution. 
 5. Estate. Benefits remaining unpaid at your death will be paid to your estate, except as otherwise required by law. 
 6. Tax Withholding. The Paying Affiliate may withhold amounts it determines are necessary to satisfy tax withhold responsibilities by withholding amounts from payment made under this
Agreement, or from other payments due to you to the extent permissible under law, an amount sufficient to satisfy the minimum statutory United States, state, local or other applicable tax withholding requirements. The Paying Affiliate will defer
payment until this requirement is satisfied. 
 7. Adjustments. The Administrator will make appropriate
adjustments in the terms and conditions of your Restricted Units in recognition of unusual or nonrecurring events affecting the Company or its financial statements as provided in the Plan. The Administrator’s determinations in this regard will
be conclusive. No additional Restricted Units will be credited to you on the occasion of the payment of any cash dividend on Common Stock or any other payment in connection with such Common Stock. 

  
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 8. Timing of Payment. 

(a) This Agreement is intended to comply with Code Section 409A and shall be interpreted accordingly. 

(b) If payment is due and payable under Section 2(b), it will be made upon your death. 

(c) If payment is due and payable under Section 2(f), it will be made six (6) months after the termination of your employment
(or, to the extent Code Section 409A applies to your Restricted Stock Units, six (6) months after your “separation from service” under Code Section 409A, if that is a different date). 

(d) If payment is due and payable under Section 3(b), and the Change of Control that causes payment to be due and payable is a
“change of control” as defined under Code Section 409A, such sum shall be paid to you within thirty (30) days of the Change of Control. If payment is due and payable under Section 3(b), and the Change of Control that causes
payment to be due and payable is not a “change of control” as defined under Code Section 409A, such sum shall be paid to you at the time determined under Section 8(e). 

(e) If payment is due and payable under the Standard Settlement Terms, payment will be made by March 15 of the calendar year after
the expiration of the Period of Restriction for your Restricted Units; provided, however, that if you were given the opportunity to defer payment under an applicable deferred compensation plan offered by the Company or an Affiliate, such as
may have occurred in connection with the beginning of your employment, and chose to defer payment, then payment will be made at the time determined under that plan. 
 9. Closing Price. “Closing Price” is defined in the Plan. 

10. No Guarantee of Employment. This Agreement is not a contract of employment and it is not a guarantee of employment for
life or any period of time. Nothing in this Agreement interferes with or limits in any way the right of the Company or an Affiliate to terminate your employment at any time. This Agreement does not give you any right to continue in the employ of the
Company or an Affiliate. 
 11. Governing Law; Choice of Forum. This Agreement will be construed in accordance
with and governed by the laws of the State of Delaware of the United States of America, regardless of the law that might be applied under principles of conflict of laws. Any action to enforce this Agreement or any other action regarding this
Agreement must be brought in a court in the State of New York of the United States of America, to which jurisdiction the Administrator, the Global Affiliate and you consent, to the maximum extent consistent with law. 

  
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 12. Miscellaneous. 

(a) For purposes of this Agreement, “Committee” and “Administrator” includes any direct or indirect delegate of the
Committee or Administrator as defined in the Plan or otherwise and (unless otherwise indicated) the word “Section” refers to a Section in this Agreement. “Shares” refer to shares of Common Stock. Any other capitalized word used
in this Agreement and not defined in this Agreement, including each form of that word, is defined in the Plan. 
 (b) Any
determination or interpretation by the Administrator pursuant to this Agreement will be final and conclusive. In the event of a conflict between any term of this Agreement and the terms of the Plan, the terms of the Plan control. This Agreement and
the Plan represent the entire agreement between you and all Affiliates regarding your Restricted Units. No promises, terms, or agreements of any kind regarding your Restricted Units that are not set forth, or referred to, in this Agreement or in the
Plan are part of this Agreement. In the event any provision of this Agreement is held illegal or invalid, the rest of this Agreement will remain enforceable. 
 (c) Your Restricted Units are not Shares and do not give you the rights of a holder of Shares. You will not be credited with additional Restricted Units on account of any dividend paid on Shares.

 (d) To the extent that that your Restricted Units are replaced by an award payable in Shares, the Administrator may, in its
discretion, require you at any time to immediately sell such Shares, in which case, the Administrator shall have the authority to issue sales instructions in relation to such Shares on your behalf. No Shares will be issued or no cash will be paid if
that issuance or payment would result in a violation of applicable law, including United States securities laws and any other applicable securities laws. 
 (e) Payment pursuant to your Restricted Units is subject to all applicable laws, rules and regulations, and to any approvals by any governmental agencies or national securities exchanges as may be
required. The grant of Restricted Units to you is not intended to be a public offering of securities, and the Company has not submitted any registration statement, prospectus, or other securities filing with authorities, except where required by
law. Your Restricted Units have not been, and will not be, reviewed by or registered with any securities authorities, including but not limited to the securities authorities of Argentina. In accordance with Circular 99 of 2001, from Chile’s
Superintendence of Securities, the grant of the Restricted Units hereunder is not intended to be a public offering of securities in Chile but instead is intended to be a private placement. To the extent that this is a private placement in Chile, the
Company has not submitted any registration statement, prospectus or other filings with the local securities authorities, and the Plan is not subject to the supervision of any securities authorities in Chile. This Agreement and all other materials
pertaining to your Restricted Units have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this offer. If you have any doubts about any of the contents of the materials pertaining to your
Restricted Units, you should obtain independent professional investment advice. 
 (f) You agree to repatriate all payments
under this Agreement (or, to the extent that that your Units are replaced by an award payable in Shares, cash attributable to Shares you acquire), to the extent required under any applicable legal requirements, such as foreign exchange rules and
regulations in your country of residence or country of employment. 

  
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 (g) Your Restricted Units are subject to the Company’s performance-based compensation
recoupment policy (which currently covers only officers or officer-equivalent employees of the Company and its Affiliates) in effect from time to time. 
 (h) Regardless of any action the Company or any Affiliate takes with respect to any or all tax withholding (including social insurance contributions and payment on account obligations, if any), you
acknowledge that the ultimate liability for all such taxes is and remains your responsibility (or that of your beneficiary or estate) and that neither the Company nor any Affiliate makes any representations or undertakings regarding the treatment of
any tax withholding in connection with any aspect of any of your Restricted Units, including the grant or payment on account of the Performance Units, and that neither the Company nor any Affiliate commits to structure the terms of the grant of or
any aspect of any Restricted Units to reduce or eliminate your (or you estate’s or any heir’s) liability for such tax. You agree to take any and all actions as may be required to comply with your personal tax obligations. 

(i) If you are resident and/or employed in a country that is a member of the European Union, this Agreement is intended to comply with
the provisions of the EU Equal Treatment Framework Directive, as implemented into local law (the “Equal Treatment Rules”). To the extent that a court or tribunal of competent jurisdiction determines that any provision of this Agreement are
invalid or unenforceable, in whole or in part, under the Equal Treatment Rules, the Administrator, in its sole discretion, shall have the power and authority to revise or strike such provision to the minimum extent necessary to make it valid and
enforceable to the full extent permitted under local law. 
 (j) You agree that this Agreement and any other documents related
to the Plan or your Restricted Units are to be presented to you in English. If any such document is translated into a language other than English, the English version will control. 

(k) The collection, processing and transfer of your personal data is necessary for the Company’s administration of the Plan, this
Agreement and your Restricted Units. You hereby explicitly and unambiguously consent to the collection, use and transfer, in electronic or other form, of your personal data as described in this document by any Affiliates or the Company, and others
who provide them services related to your Restricted Units (“Service Providers”), for the exclusive purpose of implementing, administering and managing your participation in the Plan. In accepting this agreement, you acknowledge that:

 (1) the Affiliates and the Company hold certain personal information about you, including, but not limited to, your name,
home address, telephone number, date of birth, social insurance number or other identification number, employee identification number, salary, nationality, job title, or shares of stock or directorships held in Affiliates and the Company, details of
all Restricted Units awarded, forfeited, on which payment has been made, and/or outstanding in your favor, for the purpose of implementing, administering and managing the Plan (“Data”); 

  
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 (2) the Affiliates, the Company, and Service Providers will transfer Data amongst themselves
as necessary for the implementation, administration and management of the Plan, that these recipients may be located in your country, the European Economic Area, the United States, or elsewhere, and that the recipient’s country may have
different data privacy laws and protections than your country, that you may request a list with the names and addresses of any potential recipients of the Data by contacting your local human resources representative and you authorize the recipients
to receive, possess, use, retain and transfer the Data, in electronic or other form, for the purposes of implementing, administering and managing your participation in the Plan, including any requisite transfer of such Data as may be required to a
broker or other third party; 
 (3) Data will be held only as long as is necessary to implement, administer and manage your
participation in the Plan, including but not limited to any applicable retention period necessary for effective or lawful administration of the Plan; 
 (4) you may, at any time, exercise your rights under law, to obtain confirmation as to the existence of the Data, verify the content, origin and accuracy of the Data, request the integration, update,
amendment, deletion or blockage (for breach of applicable laws) of the Data, and oppose, for legal reasons, the collection, processing or transfer of the Data that is not necessary or required for the implementation, administration and/or operation
of the Plan and your participation in it. You may seek to exercise these rights by contacting your local human resources manager; and 
 (5) you are not obligated to consent to the collection, use, processing and transfer of Data. However, if you refuse to grant consent under this Section 12 by failing to accept this Agreement you
will not receive any Restricted Units pursuant to this Agreement, and if you subsequently withdraw your consent under this Section 12 you will forfeit all of your Restricted Units. You may contact your local human resources representative for
more information on the consequences of your refusal to consent or withdrawal of consent. 
 (l) In accepting this Agreement,
you acknowledge that: 
 (1) the Plan and this Agreement are each established voluntarily by one or more of the Company and its
Affiliates, and that each is discretionary in nature and may be modified, suspended or terminated at any time, as provided in the Plan and this Agreement, respectively; 
 (2) the grant of your Restricted Units is voluntary and occasional and does not create any contractual or other right to receive future grants of Restricted Units, or benefits in lieu of Restricted Units,
even if Restricted Units have been granted repeatedly in the past; 
 (3) all decisions with respect to future Restricted Units
grants, if any, will be at the discretion of the Committee or Administrator, including, but not limited to, the timing of any grants, the number of Restricted Units and vesting provisions; 

(4) your participation in the Plan is voluntary; 
 (5) the Restricted Units are an extraordinary item which is outside the scope of your employment contract, if any; 

  
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 (6) the Restricted Units are not part of normal or expected compensation or salary for any
purposes, including, but not limited to, calculating any severance, resignation, Termination, redundancy, end of service payments, bonuses, long-service awards, pension or retirement benefits or similar payments; 

(7) the Restricted Unit grant will not be interpreted to form an employment contract or relationship with any Affiliate or the Company,
and you are not an employee of the Company; 
 (8) the future Closing Price of Common Stock is unknown and cannot be predicted
with certainty; 
 (9) to the fullest extent permitted by law, no claim or entitlement to compensation or damages arises from
termination of the Restricted Units or diminution in value of the Restricted Units and you irrevocably release the Company and each Affiliate from any such claim that may arise; and 

(10) in the event of your Termination, neither your eligibility, nor any right to receive Restricted Units, nor any period within which
payment may be made on account of your Restricted Units, if any, will be extended beyond the period specified under this Agreement by any notice period mandated under law (e.g., active employment would not include a period of “garden
leave” or similar period pursuant to local law); furthermore, in the event of your Termination, your right to payment on account of your Restricted Units, if any, will not be extended by any notice period mandated under law. 

(m) The Administrator may impose other requirements as a condition of your Restricted Units, to the extent the Committee or Administrator
determines, in its discretion, that such other requirements are necessary or advisable in order to comply with law or facilitate the operation or administration of this Agreement, your Restricted Units, or the Plan. To the extent the Administrator
determines in its discretion that you are required to execute any document or undertaking for this purpose, you agree to do so. 

13. Amendments. The Administrator has the exclusive right to amend this Agreement as long as the amendment is consistent
with the Plan. The Administrator will give written notice to you (or, in the event of your death, to your estate) of any amendment as promptly as practicable after its adoption. 

14. Additional Terms. 
 (a) You acknowledge that, subject to the terms of Section 14(d) of this Agreement, the obligation to make each payment due under this Agreement, if any, shall be the obligation of the Global
Affiliate or, if different, the Paying Affiliate rather than the Global Affiliate. To the extent the Global Affiliate is aware that you are subject to United States income taxation at the time a payment is due, the Paying Affiliate shall be
incorporated in the United States or a jurisdiction that has a comprehensive tax treaty with the United States. The obligation to make payments under this Agreement shall be unfunded and unsecured. In no event shall the Company be obligated to make
payments due under this Agreement. The Global Affiliate and you agree and acknowledge that, to the extent consistent with applicable law, neither the Restricted Units, this Agreement, the Plan nor any rights, obligations, terms and conditions set
forth therein or in connection therewith, constitute securities, negotiable instruments, or derivatives instruments or transactions. 

  
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 (b) Payments pursuant to Section 3 will be made in your then-current payroll currency
(or another currency of your choosing) at a reasonable US currency exchange rate chosen in good faith by the Administrator or the Paying Affiliate. Otherwise, any payment due to you will be made in your then-current payroll currency (or other
currency of the Administrator or Paying Affiliate’s choosing) at a United States currency exchange rate determined by the Administrator or the Paying Affiliate in their discretion. 

(c) To the extent any separate or additional consideration is necessary under applicable law to effectuate the parties’ intentions
to be bound by the terms of this Agreement, you agree to pay US$1.00 (One Dollar 00/100 currency of the United States of America) to the Global Affiliate, which shall not be refundable to you. 

(d) Notwithstanding anything in this Agreement to the contrary, the Administrator may, at any time prior to payment for your Restricted
Units, in its sole discretion, find that the Company or an Affiliate has made an award to you intended to substitute for the Restricted Units (including but not limited to a contingent right to acquire Common Stock), and that such substitute award
is subject to such material terms and conditions that are no less favorable than the material terms and conditions governing your Restricted Units and that provide for the same timing for payment as apply to your Restricted Units. Upon such a
finding, the Administrator may, in its sole discretion, cancel your Restricted Units in light of that substitute award without additional compensation to you. 
 IN WITNESS WHEREOF, the Global Affiliate has caused its duly authorized officer to execute, and you have executed, this Agreement effective on the Grant Date. 

 

							
	[COMPANY]	 		 	EMPLOYEE
				
	By:	 	  
	 		 	
		 	Signature	 		 	  

		 		 	Signature
	  
	 		 	
	Name	 		 	  

		 		 	Date
	  
	 		 	
	Title	 		 	

  
 8EX-10.9

 Exhibit 10.9 

STOCK OPTION AGREEMENT 
 MetLife, Inc. confirms that, on [grant date] (the “Grant Date”), it granted you, [name], [number] Stock Options (your “Options”). Your Options are subject to the
terms and conditions of this Stock Option Agreement (this “Agreement”) and the MetLife, Inc. 2005 Stock and Incentive Compensation Plan (the “Plan”). 
 1. Standard Exercise Terms. 
 (a) Each Option entitles you to
purchase one Share for $[closing price on date of grant] per Share, the Closing Price on the Grant Date (the “Exercise Price”). 
 (b) Except as provided in Sections 2 and 3, one-third (1/3) of your Options will become exercisable on each of the first, second and third anniversaries of the Grant Date, and you may exercise your
Options until the close of business on [day prior to the tenth (10th) anniversary of the Grant Date] (the “Standard Terms”). Neither this date, nor any other deadline for exercise of your Options
under this Agreement, will be extended regardless of whether you are unable to exercise your Options on that date because it is not a business day, due to trading limitations, or otherwise. 

(c) You may exercise any of your Options that have become exercisable by notifying the Company, using procedures that will be established
for this purpose, and paying for the Shares at the time you exercise your Options. You may exercise your Options only if the price of Shares is greater than the Exercise Price. Any exercisable Options that you fail to exercise within the applicable
period for exercise will be forfeited. 
 (d) Except as provided in Section 1(e) or (f), you may pay the Exercise Price in
one or more of the following ways: (1) in cash, (2) by exchanging Shares you already own (as long as those Shares are not subject to any pledge or other security interest), (3) to the extent permitted by law, through an arrangement
with the broker designated by the Company in which the broker will use the proceeds of the sale of a sufficient number of Shares to pay the Exercise Price, or (4) through a combination of the above. The combined value paid must have a value as
of the date tendered that is at least equal to the Exercise Price. 
 (e) If you are either resident or employed in Italy at the
time you exercise your Options, then, except as otherwise provided by the Committee: (1) you may pay the Exercise Price, to the extent permitted by law, only through an arrangement with the broker designated by the Company in which the broker
will use the proceeds of the sale of a sufficient number of Shares to pay the Exercise Price; and (2) you must sell all of the Shares you acquire through your exercise of the Options immediately upon or contemporaneous with your acquisition of
those Shares, except as otherwise provided by the Committee. 
 (f) If you are either resident or employed in the United Kingdom
at the time you exercise your Options, then, except as otherwise provided by the Committee, you may not pay the Exercise Price in whole or in part by exchanging Shares you already own. 

(g) You must exercise your Options in accordance with the Company’s insider trading policy and any applicable pre-trading
clearance procedures. Your exercise of Options or sale of Shares may be prohibited at certain times, or delayed, due to Share trading volume limitations 

 
imposed by the Company. The issuance of Shares pursuant to your Options is subject to all applicable laws, rules and regulations, and to any approvals by any governmental agencies or national
securities exchanges as may be required. No Shares will be issued upon exercise of any of your Options if that issuance or exercise would result in a violation of applicable law, including the federal securities laws and any applicable state or
foreign securities laws. 
 (h) The number of Shares issuable upon exercise of your Options shall be reduced to the nearest
whole Share. If you retain some or all of the Shares after you exercise your Options, you will receive evidence of ownership of those Shares. 
 2. Change of Status. For purposes of this Section 2, your transfer between the Company and an Affiliate, or among Affiliates, will not be a termination of employment. If a Change of
Control occurs prior to any of the events described in this Section 2, any applicable terms of Section 3 will supersede the terms of this Section 2. 
 (a) Long-Term Disability. In the event you qualify for long-term disability benefits under a plan or arrangement offered by the Company or an Affiliate for its Employees, the Standard Terms will
continue to apply to your Options. Once this provision applies, no other change of status described in this Sections 2 (except the provision regarding termination for Cause) will affect your Options, even if you subsequently return to active service
or your employment with the Company or an Affiliate terminates other than for Cause. 
 (b) Death. In the event that your
employment with the Company or an Affiliate terminates due to your death, all of your Options will be immediately exercisable and will remain exercisable until the close of business on the Expiration Date. 

(c) Retirement. If your employment with the Company or an Affiliate terminates (other than for Cause) on or after your early
retirement date or normal retirement date (in each case determined under any ERISA qualified benefit plan offered by the Company or an Affiliate in which you participate) (“Retirement”), the Standard Terms will continue to apply to your
Options. 
 (d) Bridge Eligibility. If your employment with the Company or an Affiliate terminates (other than for Cause)
with bridge eligibility for retirement-related medical benefits (determined under an ERISA qualified benefit plan offered by the Company or an Affiliate in which you participate, if any) (“Bridge Eligibility”), and your separation
agreement (offered to you under the severance program offered by the Company or an Affiliate to its Employees) becomes final, the Standard Terms will continue to apply to your Options. 

(e) Termination for Cause. In the event that your employment with the Company or an Affiliate terminates for Cause, all of your
Options will be forfeited immediately. 
 (f) Other Termination of Employment. Unless the Committee determines otherwise,
if no other provision in this Section 2 regarding change of status applies, then: 
 (1) your Options
that are exercisable as of the date of termination will remain exercisable until the close of business on the
30th day after the date of your termination or until they
would expire under the Standard Terms, whichever period is shorter; and 
 (2) all of your Options that are not exercisable at
the date of termination of your employment with the Company or an Affiliate will be forfeited immediately upon your termination of employment. 

  
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 3. Change of Control. 

(a) If any of the events described in Section 2 occurs prior to a Change of Control, any applicable terms of Section 2 will
supersede the terms of this Section 3. Except as provided in Section 3(b) and 3(c), and unless otherwise prohibited under law or by applicable rules of a national security exchange, if a Change of Control occurs: 

(1) all of your unexercised Options will become exercisable immediately regardless of the applicable exercise schedule; and 

(2) notwithstanding any provisions of Section 2 to the contrary, if your employment with the Company or any Affiliate terminates
without Cause before the first anniversary of the Change of Control, your Options will remain exercisable until the earlier of: (a) their expiration under the Standard Terms; or (b) the first anniversary of the termination of your
employment. For purposes of this Section 3(a)(2), your transfer between the Company and an Affiliate, or among Affiliates, will not be a termination of employment. 
 (b) Notwithstanding Section 3(a), the Committee may elect to redeem your Options for a cash payment equal to the Change of Control Price less the Exercise Price, multiplied by the number of
exercisable Options that you have not yet exercised. 
 (c) The terms of Sections 3(a) and (b) will not apply to your
Options if the Committee reasonably determines in good faith, prior to the Change of Control, that you have been granted an Alternative Award for your Options pursuant to Section 15.2 of the Plan. 

4. Nontransferability of Awards. Except as provided in Section 5 or otherwise permitted by the Committee, you may not
sell, transfer, pledge, assign or otherwise alienate or hypothecate any of your Options, and all rights with respect to your Options are exercisable during your lifetime only by you. 

5. Beneficiary Designation. You may name any beneficiary or beneficiaries (who may be named contingently or successively)
who may then exercise any right under this Agreement in the event of your death. Each beneficiary designation for such purpose will revoke all such prior designations. Beneficiary designations must be properly completed on a form prescribed by the
Committee and must be filed with the Company during your lifetime. If you have not designated a beneficiary, your rights under this Agreement will pass to and may be exercised by your estate. 

6. Tax Withholding. The Company or an Affiliate may withhold amounts it determines are necessary to satisfy tax withhold
responsibilities by withholding amounts from payment made under this Agreement, or from other payments due to you to the extent permissible under law, an amount sufficient to satisfy the minimum statutory United States, state, local or other
applicable tax withholding requirements. The Company will defer payment of cash or the issuance of Shares until this requirement is satisfied. The Company may satisfy this requirement by withholding Shares otherwise issuable based on a value per
Share determined by the Company in its discretion. 

  
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 7. Adjustments. The Committee will make appropriate adjustments in the terms
and conditions of your Options in recognition of unusual or nonrecurring events affecting the Company or its financial statements (such as a Common Stock dividend, Common Stock split, recapitalization, payment of an extraordinary dividend, merger,
consolidation, combination, spin-off, distribution of assets to stockholders other than ordinary cash dividends, exchange of shares, or other similar corporate change), or in recognition of changes to applicable laws, regulations, or accounting
principles, to prevent unintended dilution or enlargement of the potential benefits of your Options. The Committee’s determinations in this regard will be conclusive. 
 8. Timing of Payment. Shares will be paid to you upon your exercise of any of your Options. 
 9. Closing Price. For purpose of this Agreement, “Closing Price” will mean the closing price of a Share as reported in the principal consolidated transaction reporting system for
the New York Stock Exchange (or on such other recognized quotation system on which the trading prices of the Shares are quoted at the relevant time), or in the event that there are no Share transactions reported on such tape or other system on the
applicable date, the closing price on the immediately preceding date on which Share transactions were reported. Closing Price shall constitute “Fair Market Value” under the Plan for all purposes related to your Options. 

10. No Guarantee of Employment. This Agreement is not a contract of employment and it is not a guarantee of employment for
life or any period of time. Nothing in this Agreement interferes with or limits in any way the right of the Company or an Affiliate to terminate your employment at any time. This Agreement does not give you any right to continue in the employ of the
Company or an Affiliate. 
 11. Governing Law; Choice of Forum. This Agreement will be construed in accordance
with and governed by the laws of the State of Delaware, regardless of the law that might be applied under principles of conflict of laws. Any action to enforce this Agreement or any action otherwise regarding this Agreement must be brought in a
court in the State of New York, to which jurisdiction the Company and you consent. 
 12. Miscellaneous.

 (a) For purposes of this Agreement, “Committee” includes any direct or indirect delegate of the Committee as
defined in the Plan and (unless otherwise indicated) the word “Section” refers to a Section in this Agreement. Any other capitalized word used in this Agreement and not defined in this Agreement, including each form of that word, is
defined in the Plan. 
 (b) Any determination or interpretation by the Committee pursuant to this Agreement will be final and
conclusive. In the event of a conflict between any term of this Agreement and the terms of the Plan, the terms of the Plan control. This Agreement and the Plan represent the entire agreement between you and the Company, and you and all Affiliates,
regarding your Options. No promises, terms, or agreements of any kind regarding your Options that are not set forth, or referred to, in this Agreement or in the Plan are part of this Agreement. In the event any provision of this Agreement is held
illegal or invalid, the rest of this Agreement will remain enforceable. 

  
 4 

 (c) Your Options are not Shares and do not give you the rights of a holder of Shares. You
will not be credited with additional Options on account of any dividend paid on Shares. 
 (d) The Committee may, in its
discretion, settle your Options in the form of cash to the extent settlement in Shares is prohibited by law or would require you or the Company to obtain the approval of any governmental and/or regulatory body. The Committee may, in its discretion,
require you at any time to immediately sell Shares you acquire under this Agreement, in which case, the Company shall have the authority to issue sales instructions in relation to such Shares on your behalf. No Shares will be issued or no cash will
be paid if that issuance or payment would result in a violation of applicable law, including United States securities laws and any other applicable securities laws. 
 (e) The issuance of Shares or payment of cash pursuant to your Options is subject to all applicable laws, rules and regulations, and to any approvals by any governmental agencies or national securities
exchanges as may be required. The Company’s grant of Options to you is not intended to be a public offering of securities outside the United States, and the Company has not submitted any registration statement, prospectus, or other securities
filing with authorities outside the United States, except where required by law. Your Options have not been, and will not be, reviewed by or registered with any securities authorities outside the United States, including but not limited to the
securities authorities of Argentina. In accordance with Circular 99 of 2001, from Chile’s Superintendence of Securities, the grant of the Options hereunder is not intended to be a public offering of securities in Chile but instead is intended
to be a private placement. As this is a private placement in Chile, the Company has not submitted any registration statement, prospectus or other filings with the local securities authorities, and the Plan is not subject to the supervision of any
securities authorities in Chile. This Agreement and all other materials pertaining to your Options have not been reviewed by any regulatory authority in Hong Kong. You are advised to exercise caution in relation to this offer. If you have any doubts
about any of the contents of the materials pertaining to your Options, you should obtain independent professional investment advice. 
 (f) You agree to repatriate all payments under this Agreement or cash attributable to Shares you acquire under this Agreement to the extent required under any applicable legal requirements, such as
foreign exchange rules and regulations in your country of residence or country of employment. 
 (g) Your Options are subject to
the Company’s performance-based compensation recoupment policy (which currently covers only officers or officer-equivalent employees of the Company and its Affiliates) in effect from time to time. 

(h) Regardless of any action the Company or any Affiliate takes with respect to any or all tax withholding (including social insurance
contributions and payment on account obligations, if any), you acknowledge that the ultimate liability for all such taxes is and remains your responsibility (or that of your beneficiary or estate) and that neither the Company nor any Affiliate makes
any representations or undertakings regarding the treatment of any tax withholding in connection with any aspect of any of your Options, including the grant or 

  
 5 

 
payment on account of the Options, and that neither the Company nor any Affiliate commits to structure the terms of the grant of or any aspect of any Options to reduce or eliminate your (or you
estate’s or any heir’s) liability for such tax. You agree to take any and all actions as may be required to comply with your personal tax obligations. 
 (i) If you are resident and/or employed in a country that is a member of the European Union, this Agreement is intended to comply with the provisions of the EU Equal Treatment Framework Directive, as
implemented into local law (the “Equal Treatment Rules”). To the extent that a court or tribunal of competent jurisdiction determines that any provision of this Agreement are invalid or unenforceable, in whole or in part, under the Equal
Treatment Rules, the Committee, in its sole discretion, shall have the power and authority to revise or strike such provision to the minimum extent necessary to make it valid and enforceable to the full extent permitted under local law. 

(j) You agree that this Agreement and any other documents related to the Plan or your Options are to be presented to you in English. If
any such document is translated into a language other than English, the English version will control. 
 (k) The collection,
processing and transfer of your personal data is necessary for the Company’s administration of the Plan, this Agreement and your Options. You hereby explicitly and unambiguously consent to the collection, use and transfer, in electronic or
other form, of your personal data as described in this document by any Affiliates or the Company, and others who provide them services related to your Options (“Service Providers”), for the exclusive purpose of implementing, administering
and managing your participation in the Plan. In accepting this agreement, you acknowledge that: 
 (1) the Affiliates and the
Company hold certain personal information about you, including, but not limited to, your name, home address, telephone number, date of birth, social insurance number or other identification number, employee identification number, salary,
nationality, job title, or shares of stock or directorships held in Affiliates and the Company, details of all Options awarded, forfeited, on which payment has been made, and/or outstanding in your favor, for the purpose of implementing,
administering and managing the Plan (“Data”); 
 (2) the Affiliates, the Company, and Service Providers will transfer
Data amongst themselves as necessary for the implementation, administration and management of the Plan, that these recipients may be located in your country, the European Economic Area, the United States, or elsewhere, and that the recipient’s
country may have different data privacy laws and protections than your country, that you may request a list with the names and addresses of any potential recipients of the Data by contacting your local human resources representative and you
authorize the recipients to receive, possess, use, retain and transfer the Data, in electronic or other form, for the purposes of implementing, administering and managing your participation in the Plan, including any requisite transfer of such Data
as may be required to a broker or other third party; 
 (3) Data will be held only as long as is necessary to implement,
administer and manage your participation in the Plan, including but not limited to any applicable retention period necessary for effective or lawful administration of the Plan; 

  
 6 

 (4) you may, at any time, exercise your rights under law, to obtain confirmation as to the
existence of the Data, verify the content, origin and accuracy of the Data, request the integration, update, amendment, deletion or blockage (for breach of applicable laws) of the Data, and oppose, for legal reasons, the collection, processing or
transfer of the Data that is not necessary or required for the implementation, administration and/or operation of the Plan and your participation in it. You may seek to exercise these rights by contacting your local human resources manager; and

 (5) you are not obligated to consent to the collection, use, processing and transfer of Data. However, if you refuse to
grant consent under this Section 12 by failing to accept this Agreement you will not receive any Options pursuant to this Agreement, and if you subsequently withdraw your consent under this Section 12 you will forfeit all of your Options.
You may contact your local human resources representative for more information on the consequences of your refusal to consent or withdrawal of consent. 
 (l) In accepting this Agreement, you acknowledge that: 
 (1) the Plan and this
Agreement are each established voluntarily by the Company, and that each is discretionary in nature and may be modified, suspended or terminated at any time, as provided in the Plan and this Agreement, respectively; 

(2) the grant of your Options is voluntary and occasional and does not create any contractual or other right to receive future grants of
Options, or benefits in lieu of Options, even if Options have been granted repeatedly in the past; 
 (3) all decisions with
respect to future Option grants, if any, will be at the discretion of the Committee, including, but not limited to, the timing of any grants, the number of Options and vesting provisions; 

(4) your participation in the Plan is voluntary; 
 (5) the Options are an extraordinary item which is outside the scope of your employment contract, if any; 
 (6) the Options are not part of normal or expected compensation or salary for any purposes, including, but not limited to, calculating any severance, resignation, Termination, redundancy, end of service
payments, bonuses, long-service awards, pension or retirement benefits or similar payments; 
 (7) the Option grant will not be
interpreted to form an employment contract or relationship with any Affiliate or the Company, and you are not an employee of the Company; 
 (8) the future Closing Price of Common Stock is unknown and cannot be predicted with certainty; 
 (9) to the fullest extent permitted by law, no claim or entitlement to compensation or damages arises from termination of the Options or diminution in value of the Options and you irrevocably release the
Company and each Affiliate from any such claim that may arise; and 
 (10) in the event of your Termination, neither your
eligibility, nor any right to receive Options, nor any period within which payment may be made on account of your Options, if any, will be extended beyond the period specified under this Agreement by any notice period mandated under law
(e.g., active employment would not include a period of “garden leave” or similar period pursuant to local law); furthermore, in the event of your Termination, your right to payment on account of your Options, if any, will not be
extended by any notice period mandated under law. 

  
 7 

 (m) The Company may impose other requirements as a condition of your Options, to the extent
the Committee determines, in its discretion, that such other requirements are necessary or advisable in order to comply with law or facilitate the operation or administration of this Agreement, your Options, or the Plan. To the extent the Company
determines in its discretion that you are required to execute any document or undertaking for this purpose, you agree to do so. 

13. Amendments. The Committee has the exclusive right to amend this Agreement as long as the amendment does not adversely
affect any of your previously-granted Awards in any material way (without your written consent) and is otherwise consistent with the Plan. The Company will give written notice to you (or, in the event of your death, to your beneficiary or estate) of
any amendment as promptly as practicable after its adoption. 
 14. Agreement to Protect Corporate Property. If
you have not previously executed an Agreement to Protect Corporate Property (“Property Agreement”), the grant of your Options is subject to your execution of the Property Agreement provided to you by the Company with respect to this
Agreement, and if you do not return a signed copy of the Property Agreement then this Agreement and the Options granted to you will be void. The Company may in its sole discretion allow an extension of time for you to return your signed Property
Agreement. 
 15. Post-Employment Terms Applicable to Insiders and Executive Officers. 

(a) The terms of this Section 15 shall apply if you are an Insider or an “executive officer” of the Company under the
Securities Exchange Act of 1934, as amended, and the rules promulgated thereunder, at any time during the Performance Period, notwithstanding any other terms of this Agreement, other than Section 3, to the contrary. If a Change of Control
occurs prior to the finding described in Section 15(b), any applicable terms of Section 3 will supersede the terms of this Section 15. 
 (b) If the Committee reasonably finds that, at any time during the Performance Period, whether during your employment with the Company and its Affiliates or thereafter, you directly or indirectly owned
any interest in, managed, controlled, participated in, consulted with, or rendered services, as an officer, director, employee, partner, member, consultant, independent contractor or agent, to any person or entities currently engaged in business
activities which compete (or will compete based on the anticipated plans of the Company at the time of your employment termination) with the business of MetLife in the United States of America, United Arab Emirates, Hong Kong (Special Administrative
Region of the People’s Republic of China), Argentina, United Kingdom and/or in any other country in which MetLife conducts business or has plans to conduct business during your employment or as of the date your employment terminated, then, to
the maximum extent permissible by law, all of your Options will be forfeited immediately. 

  
 8 

 (c) Notwithstanding the terms of Section 11 to the contrary, this Section 15 will
be construed in accordance with and governed by the laws of the State of New York, regardless of the law that might be applied under principles of conflict of laws. 
 IN WITNESS WHEREOF, the Company has caused its duly authorized officer to execute this Agreement, and you have executed this Agreement. 

 

									
	METLIFE, INC.	 		 	EMPLOYEE
				
	By:	 	 Steven A. Kandarian
	 		 	[name]
		 	Name	 		 		 	
					
		 	 Chairman of the Board,
 President and Chief Executive Officer
	 		 		 	
		 	Title	 		 		 	
				
		 	  
	 		 	  

		 	Signature	 		 	Signature
					
		 		 		 	Date:	 	  

  
 9

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