Document:

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                                                                   EXHIBIT 10.38

                                AMENDMENT TO THE
                           METROPOLITAN LIFE AUXILIARY
                           SAVINGS AND INVESTMENT PLAN

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

         "Article 3 - Vesting and Payment of Benefits

                  Benefits under this Plan shall vest in accordance with the
         vesting schedule applicable to Company contributions under the Savings
         and Investment Plan and shall be payable to a Participant or the
         beneficiary of a deceased Participant in amounts equal to the
         difference between

                  (i) the largest amount (together with interest thereon), that
         would have been contributed by the Company under the Savings and
         Investment Plan, as amended, under one or more of the following (but
         without duplication of amount):

                           (a) had the Savings and Investment Plan not been
         subject to the limitations of section 415 of the Internal Revenue Code
         (disregarding the limitations under (b) herein); and/or

                           (b) had the Savings and Investment Plan not been
         subject to the limitations of section 401(a)(17) of the Internal
         Revenue Code (disregarding the limitations under (a) herein and with
         respect only to benefits accruable under the Savings and Investment
         Plan on or after January 1, 1989), less

                           (ii) the amounts of benefits that are actually
         payable under the Savings and Investment Plan.

<PAGE>

                  Income, gains and losses will be calculated on such amount at
         the same rates and over the same period of time as if such amounts had
         been contributed to the Savings and Investment Plan and invested, at
         the direction of the Participant and with the consent of the Company,
         in 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 and/or the Blended
         Small Company Stock Fund thereunder. The Participant's ability to
         change the investment direction of future contributions and transfer
         fund balances from one fund to another shall be subject to the same
         restrictions as apply under the Savings and Investment Plan. If a
         Participant fails to specify the investment direction of contributions
         to this Plan, then such contributions shall be initially invested in
         the Fixed Income Fund until changed by the Participant. Notwithstanding
         the foregoing, it is within the discretion of the Company whether
         contributions are actually invested according to each Participant's
         stated preferences. To the extent the Company consents to the direction
         of investments among funds, the Participant's investment returns
         credited to his or her account will mirror the actual performance of
         the funds selected by the Participant and consented to be the Company.
         Except as otherwise provided in this Article, a Participant 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 under the

<PAGE>

         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 (i) twelve (12) months subsequent to the date on which the
         Participant files the election form with the Company; and (ii) the
         Participant's actual retirement date. If the Participant retired 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. However, if a
         Participant's vested account balance does not exceed $5,000, determined
         as of the date of such Participant's retirement or termination of
         employment, such Participant's vested account balance will be
         distributed in a single sum as soon as practicable following his or her
         death, disability, termination of employment or retirement.
         Notwithstanding the foregoing provisions of this Article 3, no benefits
         under this Plan will be eligible for any in-service withdrawal by a
         Participant.

                  If, at the time of the Participant's death, amounts remained
         undistributed to such Participant (unless such Participant was
         receiving benefit payments in the form of an annuity), then benefit
         payments shall continue to be

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<PAGE>

         made to the Participant's beneficiary 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 designated 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. If the election form is filed
         with the Company by December 31 of the year in which the Participant
         died, benefits payable in the form of an annuity, in installments
         payable over more than five years certain or in installments payable
         over the life expectancy of the beneficiary must commence no earlier
         than the first day of the month which is twelve months after the date
         the beneficiary files the form with the Company, but no later than
         December 31 of the year following the year of the Participant's death.
         Benefits payable in any form other than those forms described in the
         preceding sentence 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 Company; however, the benefit selected
         must require the entire account balance

<PAGE>

         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.

                  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, 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

<PAGE>

         designation in effect on the 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.

                  The largest amount under subsection (i) above shall,
         notwithstanding the actual provisions of the Savings and Investment
         Plan, also include in the case of a salaried employee who has not
         received an otherwise final distribution under the Savings and
         Investment Plan, benefits with respect to any incentive award paid
         under the Short-Term Performance Compensation Plan after the date the
         individual retires for purposes of the Metropolitan Retirement Plan,
         whether paid for the twelve-month period directly preceding the
         employee's year of retirement and/or for the period running from
         January 1st of the year of retirement through the date of retirement.

                  Notwithstanding any provision 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."

2.       There is hereby added after Article 3 a new article to be known as
         Article 3A.

         Article 3A shall provide as follows:

         "Article 3A - Payment of Benefits in Event of a Change of Control

                  Notwithstanding any provision in Article 3 to the contrary, a
         Participant may make a separate designation providing for his or her
         entire account balance to be payable shortly after such Participant's
         termination of employment with the Company if such termination occurs
         for any reason within two years after a Change of Control.

<PAGE>

                  The following definitions shall apply for purposes of this
         Article 3A:

         (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
                           Company representing 25% or more of the combined
                           Voting Power of the Company's securities;

                  (ii)     Within any 24-month period, the persons who were
                           directors of the Company at the beginning of such
                           period (the 'Incumbent Directors') shall cease to
                           constitute at least a majority of the Board of
                           Directors of the Company (the 'Board') or the board
                           of directors of any successor to the Company;
                           provided, however, that any Incumbent Directors then
                           still in office shall be deemed to be an Incumbent
                           Director for purposes of this subclause (a)(ii);

                  (iii)    The stockholders of the Company approve a merger,
                           consolidation, share exchange, division, sale or
                           other disposition of all or substantially all the
                           assets of the Company which is consummated (a
                           'Corporate Event') and immediately following the
                           consummation of which the stockholders of the Company
                           immediately prior to such

<PAGE>

                           Corporate Event do not hold, directly or indirectly,
                           a majority of the Voting Power of (x) in the case of
                           a merger or consolidation, the surviving or resulting
                           corporation, (y) in the case of a share exchange, the
                           acquiring corporation or (z) in the case of a
                           division or a sale or other disposition of assets,
                           each surviving, resulting or acquiring corporation
                           which, immediately following the relevant Corporate
                           Event, holds more than 25% of the consolidated assets
                           of the Company immediately prior to such Corporate
                           Event; or

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

         (b) 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 (x) the Company or any
Affiliate, (y) 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 (z) any employee benefit plan
(including an employee stock ownership plan) sponsored by the Company or any
Affiliate.

<PAGE>

                  (c) Voting Power. '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.

                  (d) Affiliate. 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 Company."

3.       This amendment is effective September 11, 2001.

                                    METROPOLITAN LIFE INSURANCE COMPANY

Date

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Witness

                                    TEXAS LIFE INSURANCE COMPANY
-----------------------
Date

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Witness<PAGE>
                                                                   EXHIBIT 10.40

                                AMENDMENT TO THE

                         METROPOLITAN LIFE SUPPLEMENTAL

                      AUXILIARY SAVINGS AND INVESTMENT PLAN

            The METROPOLITAN LIFE SUPPLEMENTAL AUXILIARY SAVINGS AND

     INVESTMENT PLAN (the "Plan") is hereby amended as follows:

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

         "Article 3 - Vesting and Payment of Benefits

                  Benefits under this Plan shall vest in accordance with the
         vesting schedule applicable to Company contributions under the Savings
         and Investment Plan and shall be payable to a Participant or the
         beneficiary of a deceased Participant in amounts equal to the
         difference between

                  (i) the largest amount (together with interest thereon), that
         would have been contributed by the Company under SIP, as amended, had
         SIP not been subject to the deferred compensation income exclusion as
         provided under section 1.415-2(d)(2) of the Internal Revenue
         Regulations, less

                  (ii) the amounts of benefits that are actually payable under
         SIP.

                  The benefits paid under this Plan shall take into account all
         periods of employee service performed by a Participant for the Company
         (including any period before the Plan's effective date) that count for
         the Participant's benefit accrual under SIP.

                  Income, gains and losses will be calculated on such amount at
         the same rates and over the same period of time as if such amounts had
         been contributed to the Savings and Investment Plan and invested, at
         the direction of

<PAGE>

         the Participant and with the consent of the Company, in 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 and/or the Blended Small Company
         Stock Fund thereunder. The Participant's ability to change the
         investment direction of future contributions and transfer fund balances
         from one fund to another shall be subject to the same restrictions as
         apply under the Savings and Investment Plan. If a Participant fails to
         specify the investment direction of contributions to this Plan, then
         such contributions shall be initially invested in the Fixed Income Fund
         until changed by the Participant. Notwithstanding the foregoing, it is
         within the discretion of the Company whether contributions are actually
         invested according to each Participant's stated preferences. To the
         extent the Company consents to the direction of investments among
         funds, the Participant's investment returns credited to his or her
         account will mirror the actual performance of the funds selected by the
         Participant and consented to be the Company. Except as otherwise
         provided in this Article, a Participant 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 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

<PAGE>

         election form which date shall not be earlier than (i) twelve (12)
         months subsequent to the date on which the Participant files the
         election form with the Company; and (ii) the Participant's actual
         retirement date. If the Participant retired 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. However, if a Participant's
         vested account balance does not exceed $5,000, determined as of the
         date of such Participant's retirement or termination of employment,
         such Participant's vested account balance will be distributed in a
         single sum as soon as practicable following his or her death,
         disability, termination of employment or retirement. Notwithstanding
         the foregoing provisions of this Article 3, no benefits under this Plan
         will be eligible for any in-service withdrawal by a Participant.

                  If, at the time of the Participant's death, amounts remained
         undistributed to such Participant (unless such Participant was
         receiving benefit payments in the form of an annuity), then benefit
         payments shall continue to be made to the Participant's beneficiary 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 designated
         beneficiary may elect, subject to the consent of the Company, to

<PAGE>

         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. If the election form is filed with the
         Company by December 31 of the year in which the Participant died,
         benefits payable in the form of an annuity, in installments payable
         over more than five years certain or in installments payable over the
         life expectancy of the beneficiary must commence no earlier than the
         first day of the month which is twelve months after the date the
         beneficiary files the form with the Company, but no later than December
         31 of the year following the year of the Participant's death. Benefits
         payable in any form other than those forms described in the preceding
         sentence 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 Company; 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.

                  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, upon the Participant's death, benefits shall be payable to the
         primary beneficiary(ies) designated under

<PAGE>

         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 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.

                  The largest amount under subsection (i) above shall,
         notwithstanding the actual provisions of the Savings and Investment
         Plan, also include in the case of a salaried employee who has not
         received an otherwise final distribution under the Savings and
         Investment Plan, benefits with respect to any incentive award

<PAGE>

         paid under the Short-Term Performance Compensation Plan after the date
         the individual retires for purposes of the Metropolitan Retirement
         Plan, whether paid for the twelve-month period directly preceding the
         employee's year of retirement and/or for the period running from
         January 1st of the year of retirement through the date of retirement.

                           Notwithstanding any provision in this Plan to the
                  contrary, no benefit shall be payable under this Plan with
                  respect to any year in which a Participant defers compensation
                  under the MetLife Deferred Compensation Plan for Officers, or
                  any other plan under which employer matching contributions are
                  made on account of deferred compensation. Except as provided
                  in the preceding sentence, 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, notwithstanding any provision in this Plan to the
                  contrary."

2.       There is hereby added after Article 3 a new article to be known as
         Article 3A.

Article 3A shall provide as follows:

         "Article 3A - Payment of Benefits in Event of a Change of Control

                  Notwithstanding any provision in Article 3 to the contrary, a
         Participant may make a separate designation providing for his or her
         entire account balance to be payable shortly after such Participant's
         termination of employment with the Company if such termination occurs
         for any reason within two years after a Change of Control.

         The following definitions shall apply for purposes of this Article 3A:

<PAGE>

         (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
                           Company representing 25% or more of the combined
                           Voting Power of the Company's securities;

                  (ii)     Within any 24-month period, the persons who were
                           directors of the Company at the beginning of such
                           period (the 'Incumbent Directors') shall cease to
                           constitute at least a majority of the Board of
                           Directors of the Company (the 'Board') or the board
                           of directors of any successor to the Company;
                           provided, however, that any Incumbent Directors then
                           still in office shall be deemed to be an Incumbent
                           Director for purposes of this subclause (a)(ii);

                  (iii)    The stockholders of the Company approve a merger,
                           consolidation, share exchange, division, sale or
                           other disposition of all or substantially all the
                           assets of the Company which is consummated (a
                           'Corporate Event') and immediately following the
                           consummation of which the stockholders of the Company
                           immediately prior to such Corporate Event do not
                           hold, directly or indirectly, a majority of the
                           Voting Power of (x) in the case of a

<PAGE>

                           merger or consolidation, the surviving or resulting
                           corporation, (y) in the case of a share exchange, the
                           acquiring corporation or (z) in the case of a
                           division or a sale or other disposition of assets,
                           each surviving, resulting or acquiring corporation
                           which, immediately following the relevant Corporate
                           Event, holds more than 25% of the consolidated assets
                           of the Company immediately prior to such Corporate
                           Event; or

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

                           (b) 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 (x)
                  the Company or any Affiliate, (y) 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 (z) any employee
                  benefit plan (including an employee stock ownership plan)
                  sponsored by the Company or any Affiliate.

<PAGE>

                           (c) Voting Power. '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.

                           (d) Affiliate. 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 Company."

3.       This Amendment shall become effective on September 11, 2001.

                        METROPOLITAN LIFE INSURANCE COMPANY
-----------------
Date

-----------------       ----------------------------------
Witness

                        TEXAS LIFE INSURANCE COMPANY
-----------------
Date

-----------------       ----------------------------------
Witness

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