To all users of this website:

Definitions. For purposes of these Terms of Use:

• "MetLife" means Metropolitan Life Insurance Company.
• "Web Site" includes this and any MetLife web sites linked to it, but does not include any non-MetLife web sites (even if linked to or framed by this Web Site).

Authorized access and use only.

Only those employees and other individuals authorized by MetLife and/or by MetLife Institutional Business customers are permitted to access and use this Web Site. Users must maintain in strictest confidence and not improperly use or disclose any private or other confidential information of MetLife, any MetLife customer or any other person. MetLife is not liable for any loss arising out of any unauthorized access to or use of this Web Site by any person.

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Copyright, trademarks, service marks.

Metropolitan Life Insurance Company is the copyright owner of all text contained on this Web Site. United Feature Syndicate, Inc. is the copyright owner of all PEANUTS^® characters and graphics contained on this Web Site. METLIFE^®, METLIFE ONLINE^®, LIFE ADVICE^®, have you met life today?® and other trademarks and service marks of Metropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this Web Site are the property of Metropolitan Life Insurance Company or one of its subsidiaries or affiliates. Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on this Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The name of MetLife, Inc., Metropolitan Life Insurance Company, MetLife or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Web Site, without prior written permission. You are not authorized to use our logo as a hyperlink to this Web Site unless you obtain our written permission in advance.

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Web Site materials are not advice.

All information and materials provided on this Web Site are intended for your general knowledge only and are not substitute for obtaining medical or dental treatment for specific medical conditions or other advice from dentists or doctors. By making this Web Site available to you, MetLife is not engaged in rendering any such advice.

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Links to other web sites.

PLEASE BE AWARE THAT THIS WEB SITE CONTAINS LINKS TO WEB SITES OF THIRD PARTIES WHO ARE NOT AFFILIATED WITH METLIFE.

Links from this Web Site to third party web sitesare provided solely for the convenience of the users of this Web Site. The contents of any such web sites are under the control of third parties, and MetLife does not have any association whatsoever with such web sites or with the third parties for purposes of such web sites, unless expressly stated.

MetLife reserves the right to terminate a link to any web site at any time. The fact that we provide a link to a third party web site does not mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors.

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Security.

MetLife uses no encryption (data scrambling) on certain portions of our Web Site, and up to 128-bit encryption on other portions. Any security measures provided on this Web Site by MetLife, for example, those to help protect privacy or for other purposes, are for use of this Web Site and not for use of other web sites even if linked to or framed by this Web Site. In addition, the types of security measures may vary from one part of this Web Site to another.

MetLife cannot protect all electronic mail correspondence (email) sent to or from MetLife in connection with this Web Site. In addition, your employer, internet service provider, or other parties, may have their own security policies and procedures respecting (a) email delivered on or through their email systems; and/or, (b) other matters which impact your use of this Web Site. You should contact MetLife customer service if you have questions about security on this Web Site. You may also want to contact your employer, internet service provider or other appropriate parties if you have questions about their security practices.

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Copying and linking to this Web Site.

The content of this Web Site is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this Web Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law. You may copy information contained in this Web Site as expressly provided for on the Web Site and for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information.

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Applicable terms and conditions.

You are authorized to use this Web Site only in accordance with (a) the terms and conditions of these Terms of Use, (b) all other applicable legal notices from MetLife, (c) any applicable authorizations, agreements, and applications provided by MetLife, and, (d) all applicable laws. Such laws may include but are not limited to those relating to electronic signatures, records and transactions, privacy and confidentiality, discrimination, insurance, and the Employer Retirement Income Security Act of 1974, as amended (ERISA).

Other applicable legal notices are located on the MetLife Online web site at http://www.metlife.com/Docs/notices.html, provided, however, that if there is any conflict, the present Terms of Use are controlling for this Web Site only. Within this Web Site there may be legal notices on a web page which are intended to specifically apply to an affiliate of Metropolitan Life Insurance Company ("Affiliate Legal Notice"). In the event of any conflict with these Terms of Use, such Affiliate Legal Notice is controlling.

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Liability.

UNDER NO CIRCUMSTANCES SHALL METLIFE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, the liability of MetLife is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

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Some information on Web Site not up to date.
Some information on this Web Site may not be up to date.

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