CONSUMER CONSENT TO THE USE OF ELECTRONIC TRANSACTIONS AND ELECTRONIC DELIVERY OF RECORDS ("Agreement")

This Agreement contains important information that you are entitled to receive before you agree to transact business with us electronically and consent to receive electronic records from us.

Please read this Agreement carefully, and download, print and/or save a copy for your files.

For purposes of this Agreement: "we," "us," "our," or "the company" refers to Metropolitan Life Insurance Company ("MetLife®"), and the affiliates listed below, jointly and severally, as well as to other of their respective affiliates, unless otherwise indicated by specific reference to a particular company. "You" and "yours" refers to the owner(s) of one or more policies, contracts, and/or accounts issued or offered by any one of us.

MetLife provides the electronic services as described in this Agreement as a convenience to you. MetLife also provides administrative services to certain of its affiliates, which include providing materials, information, and services to you. These affiliates include, but are not limited to, First MetLife Investors Insurance Company; General American Life Insurance Company; MetLife, Inc.; MetLife Insurance Company of Connecticut; MetLife Investors Distribution Company; MetLife Investors Group, Inc.; MetLife Investors Insurance Company; MetLife Investors USA Insurance Company; MetLife Securities, Inc.; Metropolitan Property and Casualty Insurance Company; Metropolitan Tower Life Insurance Company; New England Life Insurance Company; and New England Securities Corporation.

Please read the following terms and conditions carefully before providing (a) your agreement to them, and (b) your consent to receiving electronic records as described below. You may review these terms and conditions on this web site and any other web site that we make available to you ("MetLife web site") for delivery of any of the services described in this Agreement, as they may change at any time at our sole discretion.

1. Your agreement and consent.

To the extent permitted by law, this Agreement is a global agreement and consent, meaning it applies to all types of electronic transactions that you may enter into and records that may be provided, delivered or otherwise made available to you during the course of your relationship with us. When you agree to the terms of this Agreement by clicking "I Agree" below, you: (a) agree to undertake electronic transactions and use electronic signatures on a MetLife web site, such as may be needed for on-line enrollment or policy application, fund transfers, beneficiary designations, and similar functions, and (b) consent to receive by electronic means various notices (including, without limitation, annual privacy notices), disclosure documents and communications from us relating to policies, contracts, and/or accounts you own and other materials regarding our products, to the extent available (which may include, but not be limited to, statements, bills, confirmation statements, prospectuses, prospectus supplements, other disclosure documents, contracts, explanations of benefits and other materials that we are, or may be, legally required to deliver to you). You specifically (i) acknowledge, as part of your acceptance of the terms of this Agreement by clicking "I Agree" below, that certain of the documents to be delivered electronically will contain information regarding your personal financial matters ("Personal Financial Information") and (ii) consent to the delivery of such Personal Financial Information by the electronic means specified in this Agreement. The consent that you grant in this Agreement shall remain in effect until withdrawn by you.

As permitted by the consent you are providing to us in this document, we will replace paper delivery of any particular document with electronic delivery at our sole discretion as electronic delivery of particular documents becomes available. Please make a note to look for documents delivered electronically. As noted below, we will either send an email to you with the document attached, or email you a notice that the document has been posted to our website. Accordingly, if your email address changes, please remember to provide us with your new email address. Until electronic delivery is initiated for a particular type of document (including those referenced above), you will continue to receive such documents in paper form. We will deliver these paper documents by U.S. mail to the current address we have on file for you.

By agreeing to the terms of this Agreement, you are consenting to delivery of documents to you in one or more of the following ways:

1.        We may post such document to a MetLife web site. When we post the document, we will send you an email advising you that we have made such posting;

2.        We may send you e-mails transmitting such documents, whether as text in, attachments to, and/or hyperlinks from, such e-mails to the documents stored at a MetLife web site or otherwise. Such e-mails will be sent to the current e-mail address we have on file for you. In addition, you may be notified about the availability of electronic records by text message (SMS - Short Messaging Service), voice telephone calls (from in-person or automated systems), or facsimiles. You acknowledge and agree that any charges associated with your receipt of these messages are fully your obligation and are not reimbursable by MetLife or any of its affiliates. There may be other third party costs for eDelivery or a MetLife web site, such as Internet access fees or text message (SMS) charges. You are responsible for ensuring that neither your software nor your Internet service provider inhibits or interferes with the notices and communications described herein; or

3.        We may send you documents by facsimile.

Upon receipt of an e-mail, you will be able to view the document (if in the text of an e-mail). If the document is in an attachment or accessible via a hyperlink, you must open the attachment or click on the hyperlink in order to access the document. In either instance, you will need Adobe Reader in order to access the PDF file. If you do not have Adobe Reader on your computer, you may download it for free at Adobe.com.

Of course, if a law requires us to provide, send, or deliver information in writing to you by a specified manner, such as by U.S. mail, we will continue to do so.

The electronic transactions on a MetLife web site and the use of electronic records for consumer information may involve us and/or your employer.

2. Withdrawal of Consent; updating email address

You may withdraw your consent at any time by clicking on the unsubscribe link within your MetLife eDelivery emails or logging-in to online.metlife.com, selecting “My Profile” and then “Change User Agreement”.  To update your email address please re-register on this site.

3. Effect of not consenting or withdrawing consent.

You have the right to have records provided on paper. If you choose either not to consent or to withdraw your consent to the terms of this Agreement, you will not be able to conduct transactions on a MetLife web site and receive electronic communications from us. We will resume or continue (as the case may be) mailing to you paper copies of documents, if we receive notice that your consent has been withdrawn, that no consent is given, that your email and text (SMS) messages have been returned as undeliverable, or if we otherwise deem your consent to have been withdrawn or not given.

4. How to obtain paper copies; fees.

You may obtain paper copies by printing the record at your printer or by contacting our Customer Service Department at the number located on your most recent statement. Although there may be a nominal fee charged for the order of non-policy/contract/account owner notices and communications; there is no fee to receive any policy/contract/account owner communications.

5. Computing requirements.

To use the services described in this Agreement, you must have access to a computer with an Internet connection. If you would like to be able to save the documents that you receive, the computer should have a hard drive or other storage device or be connected to a printer. You must also have an e-mail account to receive communications. In order to receive documents sent by facsimile, you must have either a phone line and a fax machine or a computer with an internet connection, an e-mail account and software that allows you to receive faxes by e-mail.

6. Acknowledgement of ability to access records electronically.

When you agree to the terms of this Agreement, you also acknowledge that you have the hardware and software necessary to access the records that will be delivered to you electronically, including, but not limited to, the ability to open a PDF file.