<SEC-DOCUMENT>0001193125-25-121780.txt : 20250516
<SEC-HEADER>0001193125-25-121780.hdr.sgml : 20250516
<ACCEPTANCE-DATETIME>20250516170144
ACCESSION NUMBER:		0001193125-25-121780
CONFORMED SUBMISSION TYPE:	S-3ASR
PUBLIC DOCUMENT COUNT:		19
FILED AS OF DATE:		20250516
DATE AS OF CHANGE:		20250516
EFFECTIVENESS DATE:		20250516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			METLIFE INC
		CENTRAL INDEX KEY:			0001099219
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		EIN:				134075851
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3ASR
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-287370
		FILM NUMBER:		25960319

	BUSINESS ADDRESS:	
		STREET 1:		200 PARK AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10166
		BUSINESS PHONE:		212-578-5500

	MAIL ADDRESS:	
		STREET 1:		200 PARK AVENUE
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10166
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3ASR
<SEQUENCE>1
<FILENAME>d942008ds3asr.htm
<DESCRIPTION>S-3ASR
<TEXT>
<HTML><HEAD>
<TITLE>S-3ASR</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on May 16, 2025 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="right"><B>Registration No.&nbsp;333-&#8195;&#8195;&#8195; </B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Washington,&nbsp;D.C. 20549 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">Form&nbsp;S-3</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:16pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:22pt; font-family:Times New Roman" ALIGN="center"><B>MetLife, Inc. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>(Exact
name of registrant as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="top" ALIGN="center"><B>Delaware</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">13-4075851</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>Identification No)</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>200 Park Avenue </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>New York, New York 10166-0188 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">(212)&nbsp;578-9500</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>(Address, including zip code, and telephone number, including area code, of registrant&#146;s principal executive offices) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Monica M. Curtis </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Executive Vice President and Chief Legal Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>MetLife, Inc. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>200 Park
Avenue </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>New York, New York 10166-0188 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">(212)&nbsp;578-9500</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>(Name, address, including zip code, and telephone number, including area code, of agent for service) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B><I>Copy to: </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>John M.
Schwolsky </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Benjamin Nixon </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Anne L. Barrett </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>Willkie
Farr&nbsp;&amp; Gallagher LLP </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>787 Seventh Avenue </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B>New York, New York 10019 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman"><B>Approximate date of commencement of proposed sale to the public:</B>&nbsp;From time to time after the effective date of this Registration
Statement as determined by the registrant. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If the only securities being registered on this Form are being offered pursuant to dividend or
interest reinvestment plans, please check the following box.&#8194;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If any of the securities being registered on this Form are to
be offered on a delayed or continuous basis pursuant to Rule&nbsp;415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box.&#8194; &#9746; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is filed to register additional securities for an offering pursuant to Rule&nbsp;462(b) under the Securities Act, please check the
following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&#8194;&#9744; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is a post-effective amendment filed pursuant to Rule&nbsp;462(c) under the Securities Act, check the following box and list the
Securities Act registration statement number of the earlier effective registration statement for the same offering.&#8194;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this
Form is a registration statement pursuant to General Instruction&nbsp;I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule&nbsp;462(e) under the Securities Act, check the following
box.&#8194;&#9746; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction&nbsp;I.D.
filed to register additional securities or additional classes of securities pursuant to Rule&nbsp;413(b) under the Securities Act, check the following box.&#8194;&#9744; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a
<FONT STYLE="white-space:nowrap">non-accelerated</FONT> filer, a smaller reporting company, or an emerging growth company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer,&#148; &#147;smaller reporting
company&#148; and &#147;emerging growth company&#148; in <FONT STYLE="white-space:nowrap">Rule&nbsp;12b-2</FONT> of the Exchange Act. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="17%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="57%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"><FONT STYLE="white-space:nowrap">Non-accelerated</FONT> filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD>
<TD HEIGHT="4" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Emerging&nbsp;growth&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended
transition period for complying with any new or revised financial accounting standards provided pursuant to Section&nbsp;7(a)(2)(B) of Securities Act.&#8194;&#9744; </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>PROSPECTUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>METLIFE, INC. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Debt
Securities </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Preferred Stock </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Depositary Shares </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Common
Stock </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Warrants </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Purchase Contracts </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Units
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may offer these securities, or any combination thereof, from time to time in amounts, at prices and on other terms to be
determined at the time of the offering. MetLife, Inc. will provide the specific terms of these securities in supplements to this prospectus. You should read this prospectus and the accompanying prospectus supplement carefully before you make your
investment decision. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS PROSPECTUS MAY NOT BE USED TO SELL SECURITIES UNLESS ACCOMPANIED BY A PROSPECTUS SUPPLEMENT. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may offer securities through underwriting syndicates managed or <FONT STYLE="white-space:nowrap">co-managed</FONT> by one or
more underwriters, through agents, or directly to purchasers. The prospectus supplement for each offering of securities will describe in detail the plan of distribution for that offering. For general information about the distribution of securities
offered, please see &#147;Plan of Distribution&#148; in this prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s common stock is listed on the New York
Stock Exchange under the trading symbol &#147;MET.&#148; Unless otherwise stated in this prospectus or an accompanying prospectus supplement, none of these securities will be listed on a securities exchange, other than MetLife, Inc.&#146;s common
stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. or any of its affiliates may use this prospectus and the applicable prospectus supplement in a remarketing or other
resale transaction involving the securities after their initial sale. These transactions may be executed at negotiated prices that are related to market prices at the time of purchase or sale, or at other prices, as determined from time to time.
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:12pt; font-family:Times New Roman"><B>Investing in MetLife, Inc.&#146;s securities involves risks. See &#147;<A HREF="#tx942008_2">Risk Factors</A>&#148; on page&nbsp;2 of this
prospectus. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>None of the Securities and Exchange Commission, any state securities commission, the New York Superintendent of
Financial Services or any other regulatory body has approved or disapproved of these securities or determined if this prospectus or the accompanying prospectus supplement is truthful or complete. They have not made, nor will they make, any
determination as to whether anyone should buy these securities. Any representation to the contrary is a criminal offense. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>The date of this prospectus is May 16, 2025 </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="toc"></A>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="97%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_1">ABOUT THIS PROSPECTUS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_2">RISK FACTORS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_3">SPECIAL NOTE&nbsp;REGARDING FORWARD-LOOKING STATEMENTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_4">NOTE REGARDING RELIANCE ON STATEMENTS IN OUR CONTRACTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_5">WHERE YOU CAN FIND MORE INFORMATION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_6">METLIFE, INC.</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_7">USE OF PROCEEDS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_8">DESCRIPTION OF SECURITIES</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_9">DESCRIPTION OF DEBT SECURITIES</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_10">DESCRIPTION OF CAPITAL STOCK</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_11">DESCRIPTION OF DEPOSITARY SHARES</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_12">DESCRIPTION OF WARRANTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_13">DESCRIPTION OF PURCHASE CONTRACTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_14">DESCRIPTION OF UNITS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_15">PLAN OF DISTRIBUTION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_16">LEGAL OPINION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#tx942008_17">EXPERTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_1"></A>ABOUT THIS PROSPECTUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise stated or the context otherwise requires, references in this prospectus to &#147;MetLife,&#148; &#147;we,&#148;
&#147;our,&#148; &#147;us,&#148; or &#147;the Company&#148; refer to MetLife, Inc., a Delaware corporation incorporated in 1999, together with its subsidiaries and affiliates, while references to &#147;MetLife, Inc.&#148; refer only to the holding
company on an unconsolidated basis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This prospectus is part of a registration statement that MetLife, Inc. filed with the
U.S.&nbsp;Securities and Exchange Commission (the &#147;<I>SEC</I>&#148;) using a &#147;shelf&#148; registration process. Under this shelf process, MetLife, Inc. may, from time to time, sell any combination of debt securities, preferred stock,
depositary shares, common stock, warrants, purchase contracts and units in one or more offerings in one or more currencies, currency units or composite currencies. This prospectus provides you with a general description of the securities MetLife,
Inc. may offer. Each time that securities are sold, a prospectus supplement that will contain specific information about the terms of that offering will be provided. The prospectus supplement may also add, update or change information contained in
this prospectus. You should read both this prospectus and any prospectus supplement together with additional information described under the heading &#147;Where You Can Find More Information.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should rely on the information contained or incorporated by reference in this prospectus. MetLife, Inc. has not authorized anyone to
provide you with different information. If anyone provides you with different or inconsistent information, you should not rely on it. MetLife, Inc. is not making an offer to sell these securities in any jurisdiction where the offer or sale is not
permitted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should assume that the information in this prospectus is accurate as of the date of the prospectus. Our business,
financial condition, results of operations and prospects may have changed since that date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_2"></A>RISK FACTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Investing in MetLife, Inc.&#146;s securities involves risks. We urge you to carefully consider the risk factors described in our filings with
the SEC that are incorporated by reference in this prospectus and in any prospectus supplement, pricing supplement or free writing prospectus used in connection with an offering of our securities, as well as the information relating to us identified
herein in &#147;Special Note Regarding Forward-Looking Statements,&#148; before making an investment decision. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_3"></A>SPECIAL NOTE&nbsp;REGARDING FORWARD-LOOKING STATEMENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This prospectus and the accompanying prospectus supplement may contain or incorporate by reference information that includes or is based upon
forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events and do not relate strictly to historical or current facts. They use
words and terms such as &#147;anticipate,&#148; &#147;are confident,&#148; &#147;assume,&#148; &#147;believe,&#148; &#147;continue,&#148; &#147;could,&#148; &#147;estimate,&#148; &#147;expect,&#148; &#147;if,&#148; &#147;intend,&#148;
&#147;likely,&#148; &#147;may,&#148; &#147;plan,&#148; &#147;potential,&#148; &#147;project,&#148; &#147;should,&#148; &#147;target,&#148; &#147;will,&#148; &#147;would&#148; and other words and terms of similar meaning or that are otherwise tied to
future periods or future performance, in each case in all derivative forms. They include statements relating to strategy, goals and expectations concerning our market position, future operations, margins, profitability, capital expenditures,
liquidity and capital resources and other financial and operating information. By their nature, forward-looking statements: speak only as of the date they are made; are not statements of historical fact or guarantees of future performance; and are
subject to risks, uncertainties, assumptions or changes in circumstances that are difficult to predict or quantify. Our expectations, beliefs and projections are expressed in good faith and we believe there is a reasonable basis for them. However,
there can be no assurance that management&#146;s expectations, beliefs and projections will result or be achieved and actual results may vary materially from what is expressed in or indicated by the forward-looking statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Many factors determine MetLife&#146;s results, and they involve unpredictable risks and uncertainties. Our forward-looking statements depend
on our assumptions, our expectations, and our understanding of the economic environment, but they may be inaccurate and may change. We do not guarantee any future performance. Our results could differ materially from those we express or imply in
forward-looking statements. The risks, uncertainties and other factors identified in MetLife, Inc.&#146;s filings with the SEC, and others, may cause such differences. These factors include: (1)&nbsp;economic condition difficulties, including risks
relating to interest rates, the effects of announced or future tariff increases on the global economy, credit spreads, declining equity or debt markets, real estate, obligors and counterparties, government default, currency exchange rates,
derivatives, climate change, public health and terrorism and security; (2)&nbsp;global capital and credit market adversity; (3)&nbsp;credit facility inaccessibility; (4)&nbsp;financial strength or credit ratings downgrades; (5)&nbsp;unavailability,
unaffordability, or inadequate reinsurance, including reinsurance risks that arise from reinsurers&#146; credit risk, and the potential shortfall or failure of risk mitigants to protect against such risks; (6)&nbsp;statutory life insurance reserve
financing costs or limited market capacity; (7)&nbsp;legal, regulatory, and supervisory and enforcement policy changes; (8)&nbsp;changes in tax rates, tax laws or interpretations; (9)&nbsp;litigation and regulatory investigations;
(10)&nbsp;unsuccessful efforts to meet all environmental, social, and governance standards or to enhance our sustainability; (11)&nbsp;MetLife, Inc.&#146;s inability to pay dividends and repurchase common stock; (12)&nbsp;MetLife, Inc.&#146;s
subsidiaries&#146; inability to pay dividends to MetLife, Inc.; (13)&nbsp;investment defaults, downgrades, or volatility; (14)&nbsp;investment sales or lending difficulties; (15)&nbsp;collateral or derivative-related payments; (16)&nbsp;investment
valuations, allowances, or impairments changes; (17)&nbsp;claims or other results that differ from our estimates, assumptions, or models; (18)&nbsp;global political, legal, or operational risks; (19)&nbsp;business competition;
(20)&nbsp;technological changes; (21)&nbsp;catastrophes; (22)&nbsp;climate changes or responses to it; (23)&nbsp;deficiencies in our closed block; (24)&nbsp;goodwill or other asset impairment, or deferred income tax asset allowance;
(25)&nbsp;impairment of value of business acquired, value of distribution agreements acquired or value of customer relationships acquired; (26)&nbsp;product guarantee volatility, costs, and counterparty risks; (27)&nbsp;risk management failures;
(28)&nbsp;insufficient protection from operational risks; (29)&nbsp;failure to protect confidentiality, integrity or availability of systems or data or other cybersecurity or disaster recovery failures; (30)&nbsp;accounting standards changes;
(31)&nbsp;excessive risk-taking; (32)&nbsp;marketing and distribution difficulties; (33)&nbsp;pension and other postretirement benefit assumption changes; (34)&nbsp;inability to protect our intellectual property or avoid infringement claims;
(35)&nbsp;acquisition, integration, growth, disposition, or reorganization difficulties; (36)&nbsp;Brighthouse Financial, Inc. separation risks; (37)&nbsp;MetLife, Inc.&#146;s Board of Directors influence over the outcome of stockholder votes
through the voting provisions of the MetLife Policyholder Trust; and <FONT STYLE="white-space:nowrap">(38)&nbsp;legal-</FONT> and corporate governance-related effects on business combinations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Forward-looking statements should be read in conjunction with the other cautionary statements, risks, uncertainties and other factors
identified in the 2024 Annual Report (as defined below) and elsewhere in this </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
prospectus. Further, any forward-looking statement speaks only as of the date on which it is made, and MetLife, Inc. does not undertake any obligation to publicly correct or update any
forward-looking statement if MetLife, Inc. later becomes aware that such statement is not likely to be achieved. Please consult any further disclosures MetLife, Inc. makes on related subjects in subsequent reports to the SEC. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_4"></A>NOTE REGARDING RELIANCE ON STATEMENTS IN OUR CONTRACTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In reviewing the agreements included as exhibits to any of the documents incorporated by reference into this prospectus and any prospectus
supplement, please remember that they are included to provide you with information regarding their terms and are not intended to provide any other factual or disclosure information about MetLife, Inc., its subsidiaries or affiliates, or the other
parties to the agreements. The agreements contain representations and warranties by each of the parties to the applicable agreement. These representations and warranties have been made solely for the benefit of the other parties to the applicable
agreement and: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">should not in all instances be treated as categorical statements of fact, but rather as a way of allocating the
risk to one of the parties if those statements prove to be inaccurate; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">have been qualified by disclosures that were made to the other party in connection with the negotiation of the
applicable agreement, which disclosures are not necessarily reflected in the agreement; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">may apply standards of materiality in a way that is different from what may be viewed as material to
investors;&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">were made only as of the date of the applicable agreement or such other date or dates as may be specified in the
agreement and are subject to more recent developments. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Accordingly, these representations and warranties may not
describe the actual state of affairs as of the date they were made or at any other time. Additional information about MetLife, Inc. and its subsidiaries and affiliates may be found elsewhere in this prospectus and the accompanying prospectus
supplement, as well as MetLife, Inc.&#146;s other public filings, which are available without charge through the SEC website at <U>www.sec.gov.</U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_5"></A>WHERE YOU CAN FIND MORE INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. files reports, proxy statements and other information with the SEC. The SEC maintains an internet site at <U>www.sec.gov</U>
that contains reports, proxy and information statements and other information regarding companies that file electronically with the SEC, including MetLife, Inc. MetLife, Inc.&#146;s common stock is listed and traded on the New York Stock Exchange
under the symbol &#147;MET.&#148; These reports, proxy statements and other information can also be read at the offices of the New York Stock Exchange, 11 Wall Street, New York, New&nbsp;York 10005. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The SEC allows &#147;incorporation by reference&#148; into this prospectus of information that MetLife, Inc. files with the SEC. This permits
MetLife, Inc. to disclose important information to you by referencing these filed documents. Any information referenced this way is considered part of this prospectus, and any information filed with the SEC subsequent to the date of this prospectus
will automatically be deemed to update and supersede this information. Information furnished under Item&nbsp;2.02 and Item&nbsp;7.01 of MetLife, Inc.&#146;s Current Reports on <FONT STYLE="white-space:nowrap">Form&nbsp;8-K</FONT> is not incorporated
by reference in this registration statement and prospectus. MetLife, Inc. incorporates by reference the following documents which have been filed with the SEC: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000044/met-20241231.htm">
<FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT></A> for the year ended <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000044/met-20241231.htm">December&nbsp;31, 2024</A> (the
&#147;<I>2024 Annual Report</I>&#148;); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarter ended <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/0001099219/000109921925000135/met-20250331.htm">March&nbsp;31,
 2025</A> (the &#147;<I>First Quarter Form <FONT STYLE="white-space:nowrap">10-Q</FONT></I>&#148;); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Registration Statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012300003183/0000950123-00-003183.txt">
<FONT STYLE="white-space:nowrap">Form&nbsp;8-A</FONT></A>, dated <A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012300003181/0000950123-00-003181.txt">March<U></U>&nbsp;31, 2000</A>, relating to registration of shares of MetLife,
Inc.&#146;s common stock; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The portions of MetLife, Inc.&#146;s Definitive Proxy Statement filed on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000126/met-20250429.htm">April
 29, 2025</A> for MetLife,&nbsp;Inc.&#146;s Annual Meeting of Stockholders incorporated by reference into the <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000044/met-20241231.htm">Form <FONT
STYLE="white-space:nowrap">10-K</FONT></A> for the year ended December&nbsp;31, 2024 (other than disclosure under the heading &#147;Pay versus Performance&#148; information responsive to Item 402(v) of Regulation
<FONT STYLE="white-space:nowrap">S-K</FONT> of SEC rules);&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Current Reports on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed with the SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000119312525004464/d923251d8k.htm">January
<U></U>&nbsp;10, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000039/met-20250205.htm">February<U></U>&nbsp;
5, 2025</A> (only with respect to the Item 8.01 information), <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000041/met-20250218.htm">February<U></U>&nbsp;
18, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000119312525039258/d874231d8k.htm">February<U></U>&nbsp;
27, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000119312525045644/d936619d8k.htm">March&nbsp;
4, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000109921925000077/met-20250305.htm">March<U></U>&nbsp;
5, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000119312525053957/d891948d8k.htm">March<U></U>&nbsp;
13, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1099219/000119312525067184/d887892d8k.htm">March<U></U>&nbsp;
28, 2025</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/0001099219/000109921925000133/met-20250430.htm">April&nbsp;
30, 2025</A> (only with respect to the Item 8.01 information) and <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/0001099219/000109921925000139/met-20250515.htm">May&nbsp;15, 2025</A>. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. incorporates by reference the documents listed above and any future filings made with the SEC in accordance with
Sections&nbsp;13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of 1934, as amended (the &#147;<I>Exchange Act</I>&#148;), other than information furnished under Item&nbsp;2.02 or Item&nbsp;7.01 of MetLife, Inc.&#146;s Current Reports on Form
<FONT STYLE="white-space:nowrap">8-K,</FONT> until MetLife, Inc. files a post-effective amendment which indicates the termination or completion of the offering of the securities made by this prospectus. Any such reports filed by MetLife, Inc. with
the SEC, other than information furnished under Item&nbsp;2.02 or Item&nbsp;7.01 of MetLife, Inc.&#146;s Current Reports on Form <FONT STYLE="white-space:nowrap">8-K,</FONT> on or after the date of this prospectus and before the date that the
offering of the securities by means of this prospectus is terminated or completed will automatically update and, where applicable, supersede any information contained in this prospectus or incorporated by reference in this prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. will provide without charge upon written or oral request, a copy of any or all of the documents that are incorporated by
reference into this prospectus, other than exhibits to those documents, unless those exhibits are specifically incorporated by reference into those documents. Requests should be directed to Investor Relations, MetLife, Inc., 200 Park Avenue, New
York, New York 10166 by electronic mail (<U>metir@metlife.com</U>), or by telephone <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">(212-578-9500).</FONT></FONT> You may also obtain the documents incorporated by reference into this
prospectus at MetLife&#146;s website, www.metlife.com. All other information contained on MetLife&#146;s website is not a part of this prospectus, and any references to MetLife&#146;s website are intended to be inactive textual references only. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_6"></A>METLIFE, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife is one of the world&#146;s leading financial services companies, providing insurance, annuities, employee benefits and asset
management. MetLife holds leading market positions in the United States, Asia, Latin America, Europe and the Middle East. MetLife is also one of the largest institutional investors in the United States with a general account portfolio invested
primarily in fixed income securities (corporate, structured products, municipals, and government and agency) and mortgage loans, as well as real estate, real estate joint ventures, other limited partnerships and equity securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife believes that its trusted global brand, diversified and resilient business, and position as a leader in attractive markets are the
powers of its business. Over the next five years MetLife will execute on its New Frontier strategy, which was designed to accelerate growth across MetLife&#146;s global platform while delivering attractive returns and
<FONT STYLE="white-space:nowrap">all-weather</FONT> performance. New Frontier builds upon the success of MetLife&#146;s Next Horizon strategy, which MetLife implemented in 2019, with an aim to focus, simplify and differentiate the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under MetLife&#146;s New Frontier strategy, MetLife intends to leverage the Company&#146;s strengths to prioritize growth across four key
areas of opportunity: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g942008g08g08.jpg" ALT="LOGO" STYLE="width:5.3125in;height:1.01in;">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife is organized into six segments: Group Benefits; Retirement and Income Solutions; Asia; Latin
America; Europe, the Middle East and Africa; and MetLife Holdings. In addition, the Company reports certain of its results of operations in Corporate&nbsp;&amp; Other.<I></I><I>&nbsp;See</I>&nbsp;&#147;Business &#151; Segments and
Corporate&nbsp;&amp; Other&#148; and Note 2 of the Notes to the Consolidated Financial Statements in the 2024 Annual Report incorporated by reference herein and Note 2 of the Notes to the Interim Condensed Consolidated Financial Statements in the
First Quarter Form <FONT STYLE="white-space:nowrap">10-Q</FONT> incorporated by reference herein for further information on MetLife&#146;s segments and Corporate&nbsp;&amp; Other. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. is a holding company for its insurance and financial subsidiaries and does not have any significant operations of its own.
Dividends from its subsidiaries and permitted payments to it under its tax sharing arrangements with its subsidiaries are its principal sources of cash to meet its obligations and to pay preferred and common stock dividends. MetLife, Inc.&#146;s
insurance subsidiaries are subject to regulatory restrictions on the payment of dividends imposed by the regulators of their respective domiciles. The dividend limitation for U.S.&nbsp;insurance subsidiaries is based on the surplus to policyholders
at the end of the immediately preceding calendar year and statutory net gain from operations of the immediately preceding calendar year. Statutory accounting practices, as prescribed by insurance regulators of various states in which we conduct
business, differ in certain respects from accounting principles used in financial statements prepared in conformity with accounting principles generally accepted in the United States of America (&#147;<I>GAAP</I>&#148;). The significant differences
relate to the treatment of deferred policy acquisition costs, certain deferred income tax, required investment liabilities, statutory reserve calculation assumptions, goodwill and surplus notes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. is incorporated under the laws of the State of Delaware. MetLife, Inc.&#146;s principal executive offices are located at 200
Park Avenue, New York, New York 10166-0188, its telephone number is (212) <FONT STYLE="white-space:nowrap">578-9500</FONT> and its internet address is www.metlife.com. Information contained on MetLife&#146;s website does not constitute part of this
prospectus. This website address is an inactive textual reference and is not intended to be an actual link to the website. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_7"></A>USE OF PROCEEDS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We may use the proceeds of securities sold or <FONT STYLE="white-space:nowrap">re-sold</FONT> under this registration statement for, among
other things, general corporate purposes. The prospectus supplement for each offering of securities will specify the intended use of the proceeds of that offering. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_8"></A>DESCRIPTION OF SECURITIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This prospectus contains summary descriptions of the debt securities, preferred stock, depositary shares, common stock, warrants, purchase
contracts and units that MetLife, Inc. may sell from time to time. These summary descriptions are not meant to be complete descriptions of each security. However, this prospectus and the applicable prospectus supplement together contain the material
terms of the securities being offered. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_9"></A>DESCRIPTION OF DEBT SECURITIES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this prospectus, debt securities means the debentures, notes, bonds and other evidences of indebtedness that MetLife, Inc. may
issue from time to time. The debt securities will either be senior debt securities or subordinated debt securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless the applicable
prospectus supplement states otherwise, senior debt securities will be issued under the Senior Indenture, dated as of November&nbsp;9, 2001 (the &#147;<I>Senior Indenture</I>&#148;), between MetLife, Inc. and The Bank of New York Mellon Trust
Company, N.A. (as successor in interest to J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.)), as trustee, and subordinated debt securities will be issued under the Subordinated Indenture, dated as of
June&nbsp;21, 2005 (the &#147;<I>Subordinated Indenture</I>&#148;), between MetLife, Inc. and The Bank of New York Mellon Trust Company, N.A. (as successor in interest to J.P. Morgan Trust Company, National Association), as trustee. This prospectus
sometimes refers to the Senior Indenture and the Subordinated Indenture collectively as the &#147;<I>Indentures</I>.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior
Indenture and the Subordinated Indenture are incorporated by reference as exhibits to the registration statement of which this prospectus forms a part. The statements and descriptions in this prospectus or in any prospectus supplement regarding
provisions of the Indentures and debt securities are summaries thereof, do not purport to be complete and are subject to, and are qualified in their entirety by reference to, all of the provisions of the Indentures and the debt securities, including
the definitions therein of certain terms. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The debt securities will be direct unsecured obligations of MetLife, Inc. The senior debt securities will rank equally with all of MetLife,
Inc.&#146;s other senior and unsubordinated debt. The subordinated debt securities will be subordinate and junior in right of payment to all of MetLife, Inc.&#146;s present and future senior indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Because MetLife, Inc. is principally a holding company, its right to participate in any distribution of assets of any subsidiary, including
Metropolitan Life Insurance Company, upon the subsidiary&#146;s liquidation or reorganization or otherwise, is subject to the prior claims of creditors of the subsidiary, except to the extent MetLife, Inc. may be recognized as a creditor of that
subsidiary. Accordingly, MetLife, Inc.&#146;s obligations under the debt securities will be effectively subordinated to all existing and future indebtedness and liabilities of its subsidiaries, including liabilities under contracts of insurance and
annuities written by MetLife, Inc.&#146;s insurance subsidiaries, and holders of debt securities should look only to MetLife, Inc.&#146;s assets for payment thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indentures do not limit the aggregate principal amount of debt securities that MetLife, Inc. may issue and provide that MetLife, Inc. may
issue debt securities from time to time in one or more series, in each case with the same or various maturities, at par or at a discount. MetLife, Inc. may issue additional debt securities of a particular series without the consent of the holders of
the debt securities of such series outstanding at the time of the issuance. Any such additional debt securities, together with all other outstanding debt securities of that series, will constitute a single series of debt securities under the
applicable Indenture. None of the Indentures limit our ability to incur other debt. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each prospectus supplement will describe the terms
relating to the specific series of debt securities being offered. These terms will include some or all of the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the title of debt securities and whether they are subordinated debt securities or senior debt securities;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any limit on the aggregate principal amount of the debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the price or prices at which MetLife, Inc. will sell the debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the maturity date or dates of the debt securities; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the rate or rates of interest, if any, which may be fixed or variable, per annum at which the debt securities
will bear interest, or the method of determining such rate or rates, if any; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the date or dates from which any interest will accrue, the dates on which interest will be payable, or the method
by which such date or dates will be determined; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the right, if any, to extend the interest payment periods and the duration of any such deferral period, including
the maximum consecutive period during which interest payment periods may be extended; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the amount of payments of principal of (and premium, if any) or interest on the debt securities may be
determined with reference to any index, formula or other method, such as one or more currencies, commodities, equity indices or other indices, and the manner of determining the amount of such payments; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the dates on which MetLife, Inc. will pay interest on the debt securities and the regular record date for
determining who is entitled to the interest payable on any interest payment date; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the place or places where the principal of (and premium, if any) and interest on the debt securities will be
payable; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if MetLife, Inc. possesses the option to do so, the periods within which and the prices at which MetLife, Inc.
may redeem the debt securities, in whole or in part, pursuant to optional redemption provisions, and the other terms and conditions of any such provisions; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc.&#146;s obligation, if any, to redeem, repay or purchase debt securities by making periodic payments
to a sinking fund or through an analogous provision or at the option of holders of the debt securities, and the period or periods within which and the price or prices at which MetLife, Inc. will redeem, repay or purchase the debt securities, in
whole or in part, pursuant to such obligation, and the other terms and conditions of such obligation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the denominations in which the debt securities will be issued, if other than denominations of $1,000 and integral
multiples of $1,000; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the portion, or methods of determining the portion, of the principal amount of the debt securities which MetLife,
Inc. must pay upon the acceleration of the maturity of the debt securities in connection with an Event of Default (as described below), if other than the full principal amount; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the currency, currencies or currency unit in which MetLife, Inc. will pay the principal of (and premium, if any)
or interest, if any, on the debt securities, if not U.S. dollars and the manner of determining the equivalent thereof in U.S. dollars; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provisions, if any, granting special rights to holders of the debt securities upon the occurrence of specified
events; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any deletions from, modifications of or additions to the Events of Default or MetLife, Inc.&#146;s covenants with
respect to the applicable series of debt securities, and whether or not such Events of Default or covenants are consistent with those contained in the applicable Indenture; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the application, if any, of the terms of the Indenture relating to defeasance and covenant defeasance (which
terms are described below) to the debt securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the subordination provisions summarized below or different subordination provisions will apply to the
debt securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the terms, if any, upon which the holders may or are required to convert or exchange such debt securities into or
for MetLife, Inc.&#146;s common stock or other securities or property or into securities of a third party, including conversion price (which may be adjusted), the method of calculating the conversion price, or the conversion period;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether any of the debt securities will be issued in global or certificated form and, if so, the terms and
conditions upon which global debt securities may be exchanged for certificated debt securities; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any change in the right of the trustee or the requisite holders of debt securities to declare the principal
amount thereof due and payable because of an Event of Default; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the depositary for global or certificated debt securities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, a discussion of certain material U.S.&nbsp;federal income tax considerations applicable to
specific debt securities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any trustees, authenticating or paying agents, transfer agents or registrars or other agents with respect to the
debt securities;&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any other terms of the debt securities not inconsistent with the provisions of the Indentures, as amended or
supplemented. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the applicable prospectus supplement, the debt securities will not be
listed on any securities exchange. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise specified in the applicable prospectus supplement, the debt securities will be issued
in fully registered form without coupons. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Debt securities may be sold at a substantial discount below their stated principal amount,
bearing no interest or interest at a rate which at the time of issuance is below market rates. The applicable prospectus supplement will describe the federal income tax consequences and special considerations applicable to any such debt securities.
The debt securities may also be issued as indexed securities or securities denominated in foreign currencies or currency units, as described in more detail in the prospectus supplement relating to any of the particular debt securities. The
prospectus supplement relating to specific debt securities will also describe any special considerations and certain additional tax considerations applicable to such debt securities. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Subordination </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The prospectus supplement
relating to any offering of subordinated debt securities will describe the specific subordination provisions. However, unless otherwise noted in the prospectus supplement, subordinated debt securities will be subordinate and junior in right of
payment to all of MetLife, Inc.&#146;s Senior Indebtedness (as described below). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of subordinated debt securities,
&#147;<I>Senior Indebtedness</I>&#148; means all amounts due on obligations in connection with any of the following, whether outstanding at the date of execution of the Subordinated Indenture or thereafter incurred or created: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the principal of (and premium, if any) and interest in respect of indebtedness of MetLife, Inc. for borrowed
money and indebtedness evidenced by securities, debentures, bonds or other similar instruments issued by MetLife, Inc.; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all capital lease obligations of MetLife, Inc.; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all obligations of MetLife, Inc. issued or assumed as the deferred purchase price of property, all conditional
sale obligations of MetLife, Inc. and all obligations of MetLife, Inc. under any title retention agreement (but excluding trade accounts payable in the ordinary course of business); </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all obligations of MetLife, Inc. for the reimbursement on any letter of credit, banker&#146;s acceptance,
security purchase facility or similar credit transaction; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all obligations of MetLife, Inc. in respect of interest rate swap, cap or other agreements, interest rate future
or options contracts, currency swap agreements, currency future or option contracts and other similar agreements; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all obligations of the types referred to above of other persons for the payment of which MetLife, Inc. is
responsible or liable as obligor, guarantor or otherwise;&nbsp;and </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all obligations of the types referred to above of other persons secured by any lien on any property or asset of
MetLife, Inc. (whether or not such obligation is assumed by MetLife, Inc.). </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Senior Indebtedness does not include: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">indebtedness or monetary obligations to trade creditors created or assumed by MetLife, Inc. in the ordinary
course of business in connection with the obtaining of materials or services; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">indebtedness that is, by its terms, subordinated to, or ranks equal with, the subordinated debt
securities;&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any indebtedness of MetLife, Inc. to its affiliates (including all debt securities and guarantees in respect of
those debt securities issued to any trust, partnership or other entity affiliated with MetLife, Inc. that is a financing vehicle of MetLife, Inc. in connection with the issuance by such financing entity of preferred securities or other securities
guaranteed by MetLife, Inc.) unless otherwise expressly provided in the terms of any such indebtedness. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amount of
Senior Indebtedness which MetLife, Inc. may issue is subject to limitations imposed by its board of directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Senior Indebtedness will
continue to be Senior Indebtedness and be entitled to the benefits of the subordination provisions irrespective of any amendment, modification or waiver of any term of such Senior Indebtedness. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise noted in the accompanying prospectus supplement, if MetLife, Inc. defaults in the payment of any principal of (or premium, if
any) or interest on any Senior Indebtedness when it becomes due and payable, whether at maturity or at a date fixed for prepayment or by declaration or otherwise, then, unless and until such default is cured or waived or ceases to exist, MetLife,
Inc. will make no direct or indirect payment (in cash, property, securities, by <FONT STYLE="white-space:nowrap">set-off</FONT> or otherwise) in respect of the principal of or interest on the subordinated debt securities or in respect of any
redemption, retirement, purchase or other requisition of any of the subordinated debt securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of the acceleration of the
maturity of any subordinated debt securities, the holders of all senior debt securities outstanding at the time of such acceleration will first be entitled to receive payment in full of all amounts due on the senior debt securities before the
holders of the subordinated debt securities will be entitled to receive any payment of principal (and premium, if any) or interest on the subordinated debt securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any of the following events occurs, MetLife, Inc. will pay in full all Senior Indebtedness before it makes any payment or distribution
under the subordinated debt securities, whether in cash, securities or other property, to any holder of subordinated debt securities: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> or liquidation or reorganization of
MetLife, Inc., whether voluntary or involuntary or in bankruptcy, insolvency or receivership; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any general assignment by MetLife, Inc. for the benefit of creditors;&nbsp;or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any other marshaling of MetLife, Inc.&#146;s assets or liabilities. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In such event, any payment or distribution under the subordinated debt securities, whether in cash, securities or other property, which would
otherwise (but for the subordination provisions) be payable or deliverable in respect of the subordinated debt securities, will be paid or delivered directly to the holders of Senior Indebtedness in accordance with the priorities then existing among
such holders until all Senior Indebtedness has been paid in full. If any payment or distribution under the subordinated debt securities is received by the trustee of any subordinated debt securities in contravention of any of the terms of the
Subordinated Indenture and before all the Senior Indebtedness has been paid in full, such payment or distribution or security will be received in trust for the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
benefit of, and paid over or delivered and transferred to, the holders of the Senior Indebtedness at the time outstanding in accordance with the priorities then existing among such holders for
application to the payment of all Senior Indebtedness remaining unpaid to the extent necessary to pay all such Senior Indebtedness in full. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">None of the Indentures limit the issuance of additional Senior Indebtedness. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Restrictive Covenants </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless an
accompanying prospectus supplement states otherwise, the following restrictive covenants will apply to each series of senior debt securities: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Limitation on Liens.</I>&nbsp;So long as any senior debt securities are outstanding, neither MetLife, Inc. nor any of its subsidiaries will
create, assume, incur or guarantee any debt which is secured by any mortgage, pledge, lien, security interest or other encumbrance on any capital stock of: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Metropolitan Life Insurance Company; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any successor to substantially all of the business of Metropolitan Life Insurance Company which is also a
subsidiary of MetLife, Inc.;&nbsp;or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any corporation (other than MetLife, Inc.) having direct or indirect control of Metropolitan Life Insurance
Company or any such successor. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">However, this restriction will not apply if the debt securities then outstanding are secured at least
equally and ratably with the otherwise prohibited secured debt so long as it is outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Limitations on Dispositions of Stock of
Certain Subsidiaries.</I>&nbsp;So long as any senior debt securities are outstanding and subject to the provisions of the Senior Indenture regarding mergers, consolidations and sales of assets, neither MetLife, Inc. nor any of its subsidiaries will
sell or otherwise dispose of any shares of capital stock (other than preferred stock having no voting rights of any kind) of: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Metropolitan Life Insurance Company; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any successor to substantially all of the business of Metropolitan Life Insurance Company which is also a
subsidiary of MetLife, Inc.;&nbsp;or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any corporation (other than MetLife, Inc.) having direct or indirect control of Metropolitan Life Insurance
Company or any such successor; except for, in each case: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a sale or other disposition of any of such stock to a wholly-owned subsidiary of MetLife, Inc. or of such
subsidiary;&nbsp;or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a sale or other disposition of all of such stock for at least fair value (as determined by MetLife, Inc.&#146;s
board of directors acting in good faith); or a sale or other disposition required to comply with an order of a court or regulatory authority of competent jurisdiction, other than an order issued at MetLife, Inc.&#146;s request or the request of any
of MetLife, Inc.&#146;s subsidiaries. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Limitations on Consolidation, Merger, Sale of Assets and Other Transactions.
</I>(i)&nbsp;MetLife, Inc. may not merge with or into or consolidate with another corporation or sell, assign, transfer, lease or convey all or substantially all of its properties and assets to, any other corporation other than a direct or indirect
wholly-owned subsidiary of MetLife, Inc. and (ii)&nbsp;no corporation may merge with or into or consolidate with MetLife, Inc. or, except for any direct or indirect wholly-owned subsidiary of MetLife, Inc., sell, assign, transfer, lease or convey
all or substantially all of its properties and assets to MetLife, Inc., unless: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc. is the surviving corporation or the corporation formed by or surviving such merger or consolidation
or to which such sale, assignment, transfer, lease or conveyance has been made, if other than MetLife, Inc., has expressly assumed by supplemental indenture all the obligations of MetLife, Inc. under the debt securities and the Indentures;
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">immediately after giving effect to such transaction, no default or Event of Default has occurred and is
continuing;&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc. delivers to the trustee an officers&#146; certificate and an opinion of counsel, each stating that
the supplemental indenture complies with the applicable Indenture. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Events of Default, Notice and Waiver </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless an accompanying prospectus supplement states otherwise, the following will constitute &#147;Events of Default&#148; under the Indentures
with respect to each series of debt securities: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc.&#146;s failure to pay any interest on any debt security of such series when due and payable,
continued for 30&nbsp;days; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc.&#146;s failure to pay principal (or premium, if any) on any debt security of such series when due,
regardless of whether such payment became due because of maturity, redemption, acceleration or otherwise, or is required by any sinking fund established with respect to such series; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">MetLife, Inc.&#146;s failure to observe or perform any other of its covenants or agreements with respect to such
series for 90&nbsp;days after MetLife, Inc. receives notice of such failure; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain defaults with respect to MetLife, Inc.&#146;s debt which result in a principal amount in excess of
$100,000,000 becoming or being declared due and payable prior to the date on which it would otherwise have become due and payable (other than the debt securities or <FONT STYLE="white-space:nowrap">non-recourse</FONT> debt); and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain events of bankruptcy, insolvency or reorganization of MetLife, Inc. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an Event of Default with respect to any debt securities of any series outstanding under either of the Indentures shall occur and be
continuing, the trustee under such Indenture or the holders of at least 25% in aggregate principal amount of the debt securities of that series outstanding may declare, by notice as provided in the applicable Indenture, the principal amount (or such
lesser amount as may be provided for in the debt securities of that series) of all the debt securities of that series outstanding to be due and payable immediately; <I>provided</I> that, in the case of an Event of Default involving certain events in
bankruptcy, insolvency or reorganization, acceleration is automatic; and, <I>provided further</I>, that after such acceleration, but before a judgment or decree based on acceleration, the holders of a majority in aggregate principal amount of the
outstanding debt securities of that series may, under certain circumstances, rescind and annul such acceleration if all Events of Default, other than the nonpayment of accelerated principal, have been cured or waived. Upon the acceleration of the
maturity of original issue discount debt securities, an amount less than the principal amount thereof will become due and payable. Reference is made to the prospectus supplement relating to any original issue discount debt securities for the
particular provisions relating to acceleration of maturity thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any past default under either Indenture with respect to debt
securities of any series, and any Event of Default arising therefrom, may be waived by the holders of a majority in principal amount of all debt securities of such series outstanding under such Indenture, except in the case of (i)&nbsp;default in
the payment of the principal of (or premium, if any) or interest on any debt securities of such series, or (ii)&nbsp;default in respect of a covenant or provision which may not be amended or modified without the consent of the holder of each
outstanding debt security of such series affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The trustee is required, within 90&nbsp;days after the occurrence of a default (which
is known to the trustee and is continuing), with respect to the debt securities of any series (without regard to any grace period or notice requirements), to give to the holders of the debt securities of such series notice of such default;
<I>provided, however</I>, that, except in the case of a default in the payment of the principal of (and premium, if any) or interest, or in the payment of any sinking fund installment, on any debt securities of such series, the trustee will be
protected in withholding such notice if it in good faith determines that the withholding of such notice is in the interests of the holders of the debt securities of such series. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The trustee, subject to its duties during default to act with the required standard of care,
may require indemnification by the holders of the debt securities of any series with respect to which a default has occurred before proceeding to exercise any right or power under the applicable Indenture at the request of the holders of the debt
securities of such series. Subject to such right of indemnification and to certain other limitations, the holders of a majority in aggregate principal amount of the outstanding debt securities of any series under the applicable Indenture may direct
the time, method and place of conducting any proceeding for any remedy available to the trustee, or exercising any trust or power conferred on the trustee with respect to the debt securities of such series. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No holder of a debt security of any series may institute any action against MetLife, Inc. under either of the Indentures (except actions for
payment of overdue principal of (and premium, if any) or interest on such debt security or for the conversion or exchange of such debt security in accordance with its terms) unless (i)&nbsp;the holder has given to the trustee written notice of an
Event of Default and of the continuance thereof with respect to the debt securities of such series specifying an Event of Default, as required under the applicable Indenture, (ii)&nbsp;the holders of at least 25% in aggregate principal amount of the
debt securities of that series then outstanding under such Indenture shall have requested the trustee to institute such action and offered to the trustee reasonable indemnity against the costs, expenses and liabilities to be incurred in compliance
with such request, and (iii)&nbsp;the trustee shall not have instituted such action within 60&nbsp;days of such request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. is
required to furnish annually to the trustee statements as to MetLife, Inc.&#146;s compliance with all conditions and covenants under each Indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Discharge, Defeasance and Covenant Defeasance </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If indicated in the applicable prospectus supplement, MetLife, Inc. may discharge or defease its obligations under each Indenture as set forth
below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may discharge certain obligations to holders of any series of debt securities issued under either the Senior
Indenture or the Subordinated Indenture which have not already been delivered to the trustee for cancellation and which have either become due and payable or are by their terms due and payable within one year (or scheduled for redemption within one
year) by irrevocably depositing with the trustee cash or, in the case of debt securities payable only in U.S.&nbsp;dollars, U.S.&nbsp;government obligations (as defined in the applicable Indenture), as trust funds in an amount certified to be
sufficient to pay when due, whether at maturity, upon redemption or otherwise, the principal of (and premium, if any) and interest on such debt securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If indicated in the applicable prospectus supplement, MetLife, Inc. may elect either (i)&nbsp;to defease and be discharged from any and all
obligations with respect to the debt securities of or within any series (except as otherwise provided in the relevant Indenture) (&#147;<I>defeasance</I>&#148;) or (ii)&nbsp;to be released from its obligations with respect to certain covenants
applicable to the debt securities of or within any series (&#147;<I>covenant defeasance</I>&#148;), upon the deposit with the relevant trustee, in trust for such purpose, of money and/or government obligations which, through the payment of principal
and interest in accordance with their terms, will provide money in an amount sufficient, without reinvestment, to pay the principal of (and premium, if any) or interest on such debt securities to maturity or redemption, as the case may be, and any
mandatory sinking fund or analogous payments thereon. As a condition to defeasance or covenant defeasance, MetLife, Inc. must deliver to the trustee an opinion of counsel to the effect that the holders of such debt securities will not recognize
income, gain or loss for U.S. federal income tax purposes as a result of such defeasance or covenant defeasance and will be subject to U.S. federal income tax on the same amounts and in the same manner and at the same times as would have been the
case if such defeasance or covenant defeasance had not occurred. Such opinion of counsel, in the case of defeasance under clause&nbsp;(i) above, must refer to and be based upon a ruling of the Internal Revenue Service or a change in applicable U.S.
federal income tax law occurring after the date of the relevant Indenture. In addition, in the case of either defeasance or covenant defeasance, MetLife, Inc. shall have delivered to the trustee (i)&nbsp;an officers&#146; certificate to the effect
that the relevant debt securities exchange(s) have informed it that neither such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
debt securities nor any other debt securities of the same series, if then listed on any securities exchange, will be delisted as a result of such deposit, and (ii)&nbsp;an officers&#146;
certificate and an opinion of counsel, each stating that all conditions precedent with respect to such defeasance or covenant defeasance have been complied with. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may exercise its defeasance option with respect to such debt securities notwithstanding its prior exercise of its covenant
defeasance option. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Modification and Waiver </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Indentures, MetLife, Inc. and the applicable trustee may supplement the Indentures for certain purposes which would not materially
adversely affect the interests or rights of the holders of debt securities of a series without the consent of those holders. MetLife, Inc. and the applicable trustee may also modify the Indentures or any supplemental indenture in a manner that
affects the interests or rights of the holders of debt securities with the consent of the holders of at least a majority in aggregate principal amount of the outstanding debt securities of each affected series issued under the Indenture. However,
the Indentures require the consent of each holder of debt securities that would be affected by any modification which would: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">extend the fixed maturity of any debt securities of any series, or reduce the principal amount thereof, or reduce
the rate or extend the time of payment of interest thereon, or reduce any premium payable upon the redemption thereof; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the amount of principal of an original issue discount debt security or any other debt security payable
upon acceleration of the maturity thereof; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">change the currency in which any debt security or any premium or interest is payable; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">impair the right to enforce any payment on or with respect to any debt security; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">adversely change the right to convert or exchange, including decreasing the conversion rate or increasing the
conversion price of, any debt security (if applicable); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the percentage in principal amount of outstanding debt securities of any series, the consent of whose
holders is required for modification or amendment of the Indentures or for waiver of compliance with certain provisions of the Indentures or for waiver of certain defaults; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">reduce the requirements contained in the Indentures for quorum or voting;&nbsp;or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">modify any of the above provisions. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Indenture permits the holders of at least a majority in aggregate principal amount of the outstanding debt securities of any series
issued under such Indenture which is affected by the modification or amendment to waive MetLife, Inc.&#146;s compliance with certain covenants contained in such Indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Payment and Paying Agents </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless
otherwise indicated in the applicable prospectus supplement, payment of interest on a debt security on any interest payment date will be made to the person in whose name a debt security is registered at the close of business on the record date for
the interest. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise indicated in the applicable prospectus supplement, principal, interest and premium on the debt securities
of a particular series will be payable at the office of such paying agent or paying agents as MetLife, Inc. may designate for such purpose from time to time. Notwithstanding the foregoing, at MetLife, Inc.&#146;s option, payment of any interest may
be made by check mailed to the address of the person entitled thereto as such address appears in the security register. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise
indicated in the applicable prospectus supplement, a paying agent designated by MetLife, Inc. and located in the Borough of Manhattan, The City of New York, will act as paying agent for payments with
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
respect to debt securities of each series. All paying agents initially designated by MetLife, Inc. for the debt securities of a particular series will be named in the applicable prospectus
supplement. MetLife, Inc. may at any time designate additional paying agents or rescind the designation of any paying agent or approve a change in the office through which any paying agent acts, except that MetLife, Inc. will be required to maintain
a paying agent in each place of payment for the debt securities of a particular series. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All moneys paid by MetLife, Inc. to a paying
agent for the payment of the principal, interest or premium on any debt security which remain unclaimed at the end of two years after such principal, interest or premium has become due and payable will be repaid to MetLife, Inc. upon request, and
the holder of such debt security thereafter may look only to MetLife, Inc. for payment thereof. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Denominations, Registrations and Transfer </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless an accompanying prospectus supplement states otherwise, debt securities will be represented by one or more global certificates
registered in the name of a nominee for The Depository Trust&nbsp;Company (&#147;<I>DTC</I>&#148;). In such case, each holder&#146;s beneficial interest in the global securities will be shown on the records of DTC and transfers of beneficial
interests will only be effected through DTC&#146;s records. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A holder of debt securities may only exchange a beneficial interest in a
global security for certificated securities registered in the holder&#146;s name in limited circumstances, as described in an applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If debt securities are issued in certificated form, they will only be issued in the minimum denomination specified in the accompanying
prospectus supplement and integral multiples of such denomination. Transfers and exchanges of such debt securities will only be permitted in such minimum denomination. Transfers of debt securities in certificated form may be registered at the
trustee&#146;s corporate office or at the offices of any paying agent or trustee appointed by MetLife, Inc. under the Indentures. Exchanges of debt securities for an equal aggregate principal amount of debt securities in different denominations may
also be made at such locations. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Governing Law </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indentures and debt securities will be governed by, and construed in accordance with, the internal laws of the State of New York, without
regard to its principles of conflicts of laws. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Relationship with the Trustees </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The trustee under (i)&nbsp;the Senior Indenture is The Bank of New York Mellon Trust&nbsp;Company, N.A. (as successor in interest to J.P.
Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.)) and (ii)&nbsp;the Subordinated Indenture is The Bank of New York Mellon Trust&nbsp;Company, N.A. (as successor in interest to J.P.&nbsp;Morgan
Trust&nbsp;Company, National Association). MetLife, Inc. and its subsidiaries maintain ordinary banking and trust relationships with a number of banks and trust companies, including the trustee under the Indentures. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Conversion or Exchange Rights </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
prospectus supplement will describe the terms, if any, on which a series of debt securities may be convertible into or exchangeable for securities described in this prospectus. These terms will include provisions as to whether conversion or exchange
is mandatory, at the option of the holder or at MetLife, Inc.&#146;s option. These provisions may allow or require the number of shares of MetLife, Inc.&#146;s common stock or other securities to be received by the holders of such series of debt
securities to be adjusted. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_10"></A>DESCRIPTION OF CAPITAL STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s authorized capital stock consists of: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">200,000,000&nbsp;shares of preferred stock, par value $0.01 per share, of which 25,572,200&nbsp;shares were
issued and outstanding as of April 28, 2025: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">27,600,000&nbsp;shares of Floating Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock,
Series&nbsp;A (the &#147;<I>Series</I><I></I><I>&nbsp;A Preferred Stock</I>&#148;), of which 24,000,000&nbsp;shares were issued and outstanding as of April 28, 2025; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">500,000 shares of 5.875%
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series&nbsp;D (the &#147;<I>Series</I><I></I><I>&nbsp;D Preferred
Stock</I>&#148;) of which 500,000&nbsp;shares were issued and outstanding as of April 28, 2025; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Depositary Shares (the &#147;<I>Series E Depositary Shares</I>&#148;), each representing a 1/1,000<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> interest in a share of 5.625% <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series&nbsp;E (the &#147;<I>Series</I><I></I><I>&nbsp;E Preferred Stock</I>&#148;) of which
32,200,000 Series E Depositary Shares representing 32,200&nbsp;shares of Series E Preferred Stock were issued and outstanding as of April 28, 2025; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Depositary Shares (the &#147;<I>Series F Depositary Shares</I>&#148;), each representing a 1/1,000<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> interest in a share of 4.75% <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series F (the &#147;<I>Series F Preferred Stock</I>&#148;) of which 40,000,000 Series F
Depositary Shares representing 40,000 shares of Series F Preferred Stock were issued and outstanding as of April 28, 2025; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">10,000,000 shares of Series A Junior Participating Preferred Stock, par value $0.01 per share, of which no shares
were issued or outstanding as of the date of this prospectus; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">1,000,000 shares of 3.850% Fixed Rate Reset <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred
Stock, Series G (the &#147;<I>Series G Preferred Stock</I>&#148;), of which 1,000,000 shares were issued and outstanding as of April&nbsp;28, 2025; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">3,000,000,000&nbsp;shares of common stock, par value $0.01 per share, of which 671,297,826&nbsp;shares were
outstanding as of April 28, 2025. The remaining shares of authorized and unissued common stock will be available for future issuance without additional stockholder approval. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Common Stock </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Dividends.</I>&nbsp;The
holders of common stock, after any preferences of holders of any preferred stock, are entitled to receive dividends as determined by MetLife, Inc.&#146;s board of directors. The declaration and payment of common stock dividends will also depend on
MetLife, Inc.&#146;s financial condition, results of operations, cash requirements, future prospects, regulatory restrictions on the payment of dividends by MetLife, Inc.&#146;s insurance subsidiaries and other factors deemed relevant by MetLife,
Inc.&#146;s board of directors. There is no requirement or assurance that MetLife, Inc. will declare and pay any dividends. The certificates of designation for the Series&nbsp;A Preferred Stock, the Series&nbsp;D Preferred Stock, the Series E
Preferred Stock, the Series F Preferred Stock and the Series G Preferred Stock (collectively, the &#147;<I>Preferred Stock</I>&#148;) all prohibit the declaration or payment of dividends or distributions on common stock if dividends are not paid on
the Preferred Stock, and the certificate of designations for the Series A Preferred Stock further prohibits the payment of dividends on the Series A Preferred Stock under certain circumstances. In addition, (a)(i)&nbsp;MetLife, Inc.&#146;s 6.40% <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Junior Subordinated Debentures due 2066 (the &#147;<I>6.40% JSDs due 2066</I>&#148;), (ii)&nbsp;MetLife, Inc.&#146;s 10.75% <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Junior Subordinated Debentures due 2069 (the &#147;<I>10.75% JSDs due 2069</I>&#148;), (iii) upon an exchange of the 7.875% <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Exchangeable Surplus Trust&nbsp;Securities of MetLife Capital Trust&nbsp;IV, the related 7.875% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Junior Subordinated Debentures due 2067 of MetLife, Inc. (the &#147;<I>7.875% JSDs due 2067</I>&#148;), and (iv)&nbsp;the 9.250% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Junior Subordinated Debentures due 2068 of MetLife, Inc. (the &#147;<I>9.25% JSDs due 2068</I>&#148; and collectively with the 6.40% JSDs due 2066, the 10.75% JSDs due 2069 and the
7.875% </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
JSDs due 2067, the &#147;<I>JSDs</I>&#148;), and (b)&nbsp;MetLife, Inc.&#146;s 6.350% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Fixed</FONT></FONT> Reset Rate
Subordinated Debentures due 2055 (the &#147;<I>6.350% SDs due 2055</I>&#148;), prohibit the declaration or payment of dividends or distributions on common stock under certain circumstances if interest is not paid in full on such securities, because
of, in the case of the JSDs, a mandatory or, in the case of the JSDs or the 6.350% SDs due 2055, an optional payment deferral, subject to, in each case, certain exceptions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Voting Rights.</I>&nbsp;The holders of common stock are entitled to one vote per share on all matters on which the holders of common stock
are entitled to vote and do not have any cumulative voting rights. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Liquidation and Dissolution.</I>&nbsp;In the event of MetLife,
Inc.&#146;s liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up,</FONT> the holders of common stock are entitled to share equally and ratably in MetLife, Inc.&#146;s assets, if any, remaining after the payment of all of MetLife,
Inc.&#146;s liabilities and the liquidation preference of any outstanding class or series of preferred stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Other
Rights.</I>&nbsp;The holders of common stock have no preemptive, conversion, redemption or sinking fund rights. The holders of shares of MetLife, Inc.&#146;s common stock are not required to make additional capital contributions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Transfer Agent and Registrar.</I>&nbsp;The transfer agent and registrar for MetLife, Inc.&#146;s common stock is Computershare Inc.
(successor in interest to Mellon Investor Services LLC). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferred Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>General.</I>&nbsp;MetLife, Inc.&#146;s board of directors has the authority to issue preferred stock in one or more series and to fix the
title and number of shares constituting any such series and the designations, powers, preferences, limitations and relative rights including offering price, any dividend rights (including whether dividends will be cumulative or <FONT
STYLE="white-space:nowrap">non-cumulative),</FONT> dividend rate, voting rights, terms of any redemption, any redemption price or prices, conversion or exchange rights and any liquidation preferences of the shares constituting any series, without
any further vote or action by stockholders. The specific terms of the preferred stock will be described in the prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. has authorized 10,000,000&nbsp;shares of Series&nbsp;A Junior Participating Preferred Stock for issuance in connection with a
stockholder rights plan. The stockholder rights plan expired at the close of business on April&nbsp;4, 2010 and was not renewed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The JSDs
and the 6.350% SDs due 2055, prohibit the declaration or payment of dividends or distributions on preferred stock under certain circumstances if interest is not paid in full on such securities, because of, in the case of the JSDs, a mandatory or, in
the case of the JSDs or the 6.350% SDs due 2055, an optional payment deferral, subject to, in each case, certain exceptions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Voting
Rights.</I>&nbsp;The Delaware General Corporation Law provides that the holders of preferred stock will have the right to vote separately as a class on any proposal involving fundamental changes in the rights of holders of such preferred stock. The
prospectus supplement will describe the voting rights, if any, of the preferred stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Conversion or Exchange.</I>&nbsp;The prospectus
supplement will describe the terms, if any, on which the preferred stock may be convertible into or exchangeable for securities described in this prospectus. These terms will include provisions as to whether conversion or exchange is mandatory, at
the option of the holder or at MetLife, Inc.&#146;s option. These provisions may set forth the conversion price, the method of determining the conversion price and the conversion period and may allow or require the number of shares of MetLife,
Inc.&#146;s common stock or other securities to be received by the holders of preferred stock to be adjusted. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Redemption.</I>&nbsp;The prospectus supplement will describe the obligation, if any, to
redeem the preferred stock in whole or in part at the times and at the redemption prices set forth in the applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise indicated in the applicable prospectus supplement, MetLife, Inc. may not purchase or redeem any of the outstanding shares or
any series of preferred stock unless full cumulative dividends, if any, have been paid or declared and set apart for payment upon all outstanding shares of any series of preferred stock for all past dividend periods, and unless all of MetLife,
Inc.&#146;s matured obligations with respect to all sinking funds, retirement funds or purchase funds for all series of preferred stock then outstanding have been met. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Certain Provisions in MetLife, Inc.&#146;s Amended and Restated Certificate of Incorporation, As Amended (the &#147;Certificate of Incorporation&#148;),
and Amended and Restated <FONT STYLE="white-space:nowrap">By-Laws</FONT> (the <FONT STYLE="white-space:nowrap">&#147;By-Laws&#148;)</FONT> and in Delaware and New York Law </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A number of provisions of MetLife, Inc.&#146;s Certificate of Incorporation and <FONT STYLE="white-space:nowrap">By-Laws</FONT> deal with
matters of corporate governance and rights of stockholders. The following discussion is a general summary of selected provisions of MetLife, Inc.&#146;s Certificate of Incorporation and <FONT STYLE="white-space:nowrap">By-Laws</FONT> and regulatory
provisions that might be deemed to have a potential &#147;anti-takeover&#148; effect. These provisions may have the effect of discouraging a future takeover attempt which is not approved by MetLife, Inc.&#146;s board of directors but which
individual stockholders may deem to be in their best interests or in which stockholders may receive a substantial premium for their shares over then current market prices. As a result, stockholders who might desire to participate in such a
transaction may not have an opportunity to do so. Such provisions will also render the removal of the incumbent board of directors or management more difficult. Some provisions of the Delaware General Corporation Law and the New York Insurance Law
may also have an anti-takeover effect. The following description of selected provisions of MetLife, Inc.&#146;s Certificate of Incorporation and <FONT STYLE="white-space:nowrap">By-Laws</FONT> and selected provisions of the Delaware General
Corporation Law and the New York Insurance Law is necessarily general and reference should be made in each case to MetLife, Inc.&#146;s Certificate of Incorporation and <FONT STYLE="white-space:nowrap">By-Laws,</FONT> which are incorporated by
reference as exhibits to the registration statement of which this prospectus forms a part, and to the provisions of those laws. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exercise of Duties by
Board of Directors </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s Certificate of Incorporation provides that while the MetLife Policyholder Trust (as described
below) is in existence, each MetLife, Inc. director is required, in exercising his or her duties as a director, to take the interests of the trust beneficiaries into account as if they were holders of the shares of common stock held in the trust,
except to the extent that any such director determines, based on advice of counsel, that to do so would violate his or her duties as a director under Delaware law. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Restriction on Maximum Number of Directors and Filling of Vacancies on MetLife, Inc.&#146;s Board of Directors </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to MetLife, Inc.&#146;s <FONT STYLE="white-space:nowrap">By-Laws</FONT> and subject to the rights of the holders of any class of
preferred stock, the number of directors may be fixed from time to time exclusively by resolution adopted by a majority of the entire board of directors, but the board of directors will at no time consist of fewer than three directors. Stockholders
may remove a director with or without cause at a meeting of the stockholders by a vote of a majority of the combined voting power of the outstanding stock entitled to vote generally in the election of directors, in which case the vacancy caused by
such removal may be filled at such meeting by the stockholders entitled to vote for the election of the director so removed. Any vacancy on the board of directors, including a vacancy resulting from an increase in the number of directors or
resulting from a removal where the stockholders have not filled the vacancy, subject to the rights of the holders of any class of preferred stock, may be filled by a majority of the directors then in office, although less than a quorum. These
provisions give incumbent directors significant authority that may have the effect of limiting the ability of stockholders to effect a change in management. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Advance Notice Requirements for Nomination of Directors and Presentation of New Business at Meetings of
Stockholders; Action by Written Consent </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s <FONT STYLE="white-space:nowrap">By-Laws</FONT> provide for advance
notice and other provisions in respect of stockholder proposals and nominations for director. In addition, pursuant to the provisions of both the Certificate of Incorporation and the <FONT STYLE="white-space:nowrap">By-Laws,</FONT> stockholder
action may not be taken by written consent. Rather, any action taken by the stockholders must be effected at a duly called meeting. The chairman, the chief executive officer or the secretary pursuant to a board resolution or, under some
circumstances, a director who also is an officer, may call a special meeting. MetLife, Inc.&#146;s <FONT STYLE="white-space:nowrap">By-Laws</FONT> also permit stockholders representing ownership of 25% or more of the combined voting power of the
outstanding shares of common stock to call a special meeting of the stockholders, provided that the stockholders satisfy the requirements specified in the <FONT STYLE="white-space:nowrap">By-Laws.</FONT> These provisions make it more difficult for a
stockholder to place a proposal or nomination on the meeting agenda and prohibit a stockholder from taking action without a meeting, and therefore may reduce the likelihood that a stockholder will seek to take independent action to replace directors
or with respect to other matters that are not supported by management for stockholder vote. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Limitations on Director Liability </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s Certificate of Incorporation contains a provision that is designed to limit the directors&#146; liability to the extent
permitted by the Delaware General Corporation Law and any amendments to that law. Specifically, directors will not be held liable to MetLife, Inc. or its stockholders for monetary damages for an act or omission in their capacity as a director,
except for liability as a result of: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a breach of the duty of loyalty to MetLife, Inc. or its stockholders; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">payment of an improper dividend or improper redemption or repurchase of MetLife, Inc.&#146;s stock under
Section&nbsp;174 of the Delaware General Corporation Law;&nbsp;or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any transaction from which the director received an improper personal benefit. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The principal effect of the limitation on liability provision is that a stockholder is unable to prosecute an action for monetary damages against a director
of MetLife, Inc. unless the stockholder can demonstrate one of the specified bases for liability. This provision, however, does not eliminate or limit director liability arising in connection with causes of action brought under the federal
securities laws. MetLife, Inc.&#146;s Certificate of Incorporation also does not eliminate the directors&#146; duty of care. The inclusion of the limitation on liability provision in the certificate may, however, discourage or deter stockholders or
management from bringing a lawsuit against directors for a breach of their fiduciary duties, even though such an action, if successful, might otherwise have benefited MetLife, Inc. and its stockholders. This provision should not affect the
availability of equitable remedies such as injunction or rescission based upon a director&#146;s breach of the duty of care. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife,
Inc.&#146;s <FONT STYLE="white-space:nowrap">By-Laws</FONT> also provide that MetLife, Inc. will indemnify its directors and officers to the fullest extent permitted by Delaware law. MetLife, Inc. is required to indemnify its directors and officers
for all judgments, fines, amounts paid in settlement, legal fees and other expenses reasonably incurred in connection with pending or threatened legal proceedings because of the director&#146;s or officer&#146;s position with MetLife, Inc. or
another entity, including Metropolitan Life Insurance Company, that the director or officer serves at MetLife, Inc.&#146;s request, subject to certain conditions, and to advance funds to MetLife, Inc.&#146;s directors and officers to enable them to
defend against such proceedings. To receive indemnification, the director or officer must succeed in the legal proceeding or act in good faith and in a manner reasonably believed to be in or not opposed to the best interests of MetLife, Inc. and
with respect to any criminal action or proceeding, in a manner he or she reasonably believed to be lawful. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Business Combination Statute </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, as a Delaware corporation with a class of voting stock listed on a national securities exchange, MetLife, Inc. is subject to
Section&nbsp;203 of the Delaware General Corporation Law, unless it elects in its certificate of incorporation not to be governed by the provisions of Section&nbsp;203. MetLife, Inc. has not made that election. Section&nbsp;203 can affect the
ability of an &#147;interested stockholder&#148; of MetLife, Inc. to engage in certain business combinations, including mergers, consolidations or acquisitions of additional shares of MetLife, Inc. for a period of three years following the time that
the stockholder becomes an &#147;interested stockholder.&#148; An &#147;interested stockholder&#148; is defined to include any person owning, directly or indirectly, 15% or more of the outstanding voting stock of a corporation. The provisions of
Section&nbsp;203 are not applicable in some circumstances, including those in which (1)&nbsp;the business combination or transaction which results in the stockholder becoming an &#147;interested stockholder&#148; is approved by the
corporation&#146;s board of directors prior to the time the stockholder becomes an &#147;interested stockholder&#148; or (2)&nbsp;the &#147;interested stockholder,&#148; upon consummation of such transaction, owns at least 85% of the voting stock of
the corporation outstanding prior to such transaction. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Restrictions on Acquisitions of Securities </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The insurance laws and regulations of New York, the jurisdiction in which MetLife, Inc.&#146;s principal insurance subsidiary, Metropolitan
Life Insurance Company, is organized, may delay or impede a business combination involving MetLife, Inc. In addition to the limitations described in the immediately preceding paragraph, the New York Insurance Law prohibits any person from acquiring
control of Metropolitan Life Insurance Company, either directly or indirectly through any acquisition of control of MetLife, Inc., without the prior approval of the New York Superintendent of Financial Services. That law presumes that control exists
where any person, directly or indirectly, owns, controls, holds the power to vote 10% or more of MetLife, Inc.&#146;s outstanding voting stock, unless the New York Superintendent of Financial Services, upon application, determines otherwise. Even
persons who do not acquire beneficial ownership of more than 10% of the outstanding shares of MetLife, Inc.&#146;s common stock may be deemed to have acquired such control, if the New York Superintendent of Financial Services determines that such
persons, directly or indirectly, exercise a controlling influence over MetLife, Inc.&#146;s management or policies. Therefore, any person seeking to acquire a controlling interest in MetLife, Inc. would face regulatory obstacles which may delay,
deter or prevent an acquisition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The insurance holding company laws and other insurance laws of many other states also regulate changes
of control (generally presumed upon acquisitions of 10% or more of voting securities) of domestic insurers (including insurers owned by MetLife, Inc.) and insurance holding companies such as MetLife, Inc. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>MetLife Policyholder Trust </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under a plan
of reorganization adopted in September 1999, Metropolitan Life Insurance Company converted from a mutual life insurance company to a stock life insurance company subsidiary of MetLife, Inc. The MetLife Policyholder Trust was established to hold the
shares of common stock allocated to eligible policyholders. A total of 494,466,664&nbsp;shares of common stock were distributed to the MetLife Policyholder Trust for the benefit of policyholders of Metropolitan Life Insurance Company on the
effective date of the plan of reorganization. As of April 28, 2025, the trust held 109,404,080&nbsp;shares of MetLife, Inc.&#146;s common stock. Because of the number of shares held by the trust and the voting provisions of the trust, the trust may
affect the outcome of matters brought to a stockholder vote. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The trustee will generally vote all of the shares of common stock held in
the trust in accordance with the recommendations given by MetLife, Inc.&#146;s board of directors to its stockholders or, if the board gives no such recommendation, as directed by the board, except on votes regarding certain fundamental corporate
actions. As a result of the voting provisions of the trust, MetLife, Inc.&#146;s board of directors will effectively be able to control </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
votes on all matters submitted to a vote of stockholders, excluding those fundamental corporate actions described below, so long as the trust holds a substantial number of shares of MetLife,
Inc.&#146;s common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the vote relates to fundamental corporate actions specified in the trust, the trustee will solicit
instructions from the beneficiaries and vote all shares held in the trust in proportion to the instructions it receives, which would give disproportionate weight to the instructions actually given by trust beneficiaries. These actions include: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an election or removal of directors in which a stockholder has properly nominated one or more candidates in
opposition to a nominee or nominees of MetLife, Inc.&#146;s board of directors or a vote on a stockholder&#146;s proposal to oppose a board nominee for director, remove a director for cause or fill a vacancy caused by the removal of a director by
stockholders, subject to certain conditions; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a merger or consolidation, a sale, lease or exchange of all or substantially all of the assets, or a
recapitalization or dissolution of MetLife, Inc., in each case requiring a vote of MetLife, Inc.&#146;s stockholders under applicable Delaware law; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any transaction that would result in an exchange or conversion of shares of common stock held by the trust for
cash, securities or other property; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any proposal requiring MetLife, Inc.&#146;s board of directors to amend or redeem the rights under the
stockholder rights plan, other than a proposal with respect to which MetLife, Inc. has received advice of nationally-recognized legal counsel to the effect that the proposal is not a proper subject for stockholder action under Delaware law.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_11"></A>DESCRIPTION OF DEPOSITARY SHARES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following outlines some of the general terms and provisions of the depositary shares. Further terms of the depositary shares and the
applicable deposit agreement will be stated in the applicable prospectus supplement. The following description and any description of the depositary shares in a prospectus supplement may not be complete and is subject to and qualified in its
entirety by reference to the terms and provisions of the deposit agreement, a form of which has been or will be filed as an exhibit to the registration statement of which this prospectus forms a part. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The particular terms of the depositary shares offered by any prospectus supplement and the extent to which the general provisions described
below may apply to such depositary shares will be outlined in the applicable prospectus supplement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may choose to offer fractional interests in debt securities or fractional shares of common stock or preferred stock. MetLife,
Inc. may issue fractional interests in debt securities, common stock or preferred stock, as the case may be, in the form of depositary shares. Each depositary share would represent a fractional interest in a security of a particular series of debt
securities or a fraction of a share of common stock or of a particular series of preferred stock, as the case may be, and would be evidenced by a depositary receipt. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. will deposit the debt securities or shares of common stock or preferred stock represented by depositary shares under a deposit
agreement between MetLife, Inc. and a depositary which will be named in the applicable prospectus supplement. Subject to the terms of the deposit agreement, as an owner of a depositary share, you will be entitled, in proportion to the applicable
fraction of a debt security or share of common stock or preferred stock represented by the depositary share, to all the rights and preferences of the debt security, common stock or preferred stock, as the case may be, represented by the depositary
share, including, as the case may be, interest, dividend, voting, conversion, redemption, sinking fund, repayment at maturity, subscription and liquidation rights. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Interest, Dividends and Other Distributions </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The depositary will distribute all payments of interest, cash dividends or other cash distributions received on the debt securities, common
stock or preferred stock, as the case may be, to you in proportion to the number of depositary shares that you own. In the event of a distribution other than in cash, the depositary will distribute property received by it to you in an equitable
manner, unless the depositary determines that it is not feasible to make a distribution. In that case, the depositary may sell the property and distribute the net proceeds from the sale to you. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Redemption of Depositary Shares </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If a
debt security, common stock or series of preferred stock represented by depositary shares is redeemed, the depositary will redeem your depositary shares from the proceeds received by the depositary resulting from the redemption. The redemption price
per depositary share will be equal to the applicable fraction of the redemption price per debt security or share of common stock or preferred stock, as the case may be, payable in relation to the redeemed series of debt securities, common stock or
preferred stock. Whenever MetLife, Inc. redeems debt securities or shares of common stock or preferred stock held by the depositary, the depositary will redeem, as of the same redemption date, the number of depositary shares representing, as the
case may be, fractional interests in the debt securities or shares of common stock or preferred stock redeemed. If fewer than all the depositary shares are to be redeemed, the depositary shares to be redeemed will be selected by lot, proportionately
or by any other equitable method as the depositary may determine. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exercise of Rights under the Indentures or Voting the Common Stock or Preferred </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon receipt of notice of any meeting at which you are entitled to vote, or of any request for instructions or directions from you as holder of
fractional interests in debt securities, common stock or preferred stock, the depositary will mail to you the information contained in that notice. Each record holder of the depositary shares on the record date will be entitled to instruct the
depositary how to give instructions or directions with respect to the debt securities represented by that holder&#146;s depositary shares or how to vote the amount of the common stock or preferred stock represented by that holder&#146;s depositary
shares. The record date for the depositary shares will be the same date as the record date for the debt securities, common stock or preferred stock, as the case may be. The depositary will endeavor, to the extent practicable, to give instructions or
directions with respect to the debt securities or to vote the amount of the common stock or preferred stock, as the case may be, represented by the depositary shares in accordance with those instructions. MetLife, Inc. will agree to take all
reasonable action which the depositary may deem necessary to enable the depositary to do so. The depositary will abstain from giving instructions or directions with respect to your fractional interests in the debt securities or voting shares of the
common stock or preferred stock, as the case may be, if it does not receive specific instructions from you. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Amendment and Termination of the Deposit
Agreement </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. and the depositary may amend the form of depositary receipt evidencing the depositary shares and any provision
of the deposit agreement at any time. However, any amendment which materially and adversely affects the rights of the holders of the depositary shares will not be effective unless the amendment has been approved by the holders of at least a majority
of the depositary shares then outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deposit agreement will terminate if: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all outstanding depositary shares have been redeemed; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, the debt securities and the preferred stock represented by depositary shares have been converted
into or exchanged for common stock or, in the case of debt securities, repaid in full;&nbsp;or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">there has been a final distribution in respect of the common stock or preferred stock, including in connection
with the liquidation, dissolution or <FONT STYLE="white-space:nowrap">winding-up</FONT> of MetLife, Inc., and the distribution proceeds have been distributed to you. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Resignation and Removal of Depositary </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The depositary may resign at any time by delivering to MetLife, Inc. notice of its election to do so. MetLife, Inc. also may, at any time,
remove the depositary. Any resignation or removal will take effect upon the appointment of a successor depositary and its acceptance of such appointment. MetLife, Inc. must appoint the successor depositary within 60&nbsp;days after delivery of the
notice of resignation or removal. The successor depositary must be a bank or trust company having its principal office in the United States and having total assets of not less than $1,000,000,000. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Charges of Depositary </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. will
pay all transfer and other taxes and governmental charges arising solely from the existence of the depositary arrangements. MetLife, Inc. will pay charges of the depositary in connection with the initial deposit of the debt securities or common
stock or preferred stock, as the case may be, and issuance of depositary receipts, all withdrawals of depositary shares of debt securities or common stock or preferred stock, as the case may be, by you and any repayment or redemption of the debt
securities or preferred stock, as the case may be. You will pay other transfer and other taxes and governmental charges, as well as the other charges that are expressly provided in the deposit agreement to be for your account. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Miscellaneous </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The depositary will forward all reports and communications from MetLife, Inc. which are delivered to the depositary and which MetLife, Inc. is
required or otherwise determines to furnish to holders of debt securities, common stock or preferred stock, as the case may be. Neither MetLife, Inc. nor the depositary will be liable under the deposit agreement to you other than for its gross
negligence, willful misconduct or bad faith. Neither MetLife, Inc. nor the depositary will be obligated to prosecute or defend any legal proceedings relating to any depositary shares, debt securities, common stock or preferred stock unless
satisfactory indemnity is furnished. MetLife, Inc. and the depositary may rely upon written advice of counsel or accountants, or upon information provided by persons presenting debt securities or shares of common stock or preferred stock for
deposit, you or other persons believed to be competent and on documents which MetLife, Inc. and the depositary believe to be genuine. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_12"></A>DESCRIPTION OF WARRANTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may issue warrants to purchase debt securities, preferred stock, common stock or other securities described in this prospectus,
or any combination of these securities, and these warrants may be issued independently or together with any underlying securities and may be attached or separate from the underlying securities. MetLife, Inc. will issue each series of warrants under
a separate warrant agreement to be entered into between MetLife, Inc. and a warrant agent. The warrant agent will act solely as MetLife, Inc.&#146;s agent in connection with the warrants of such series and will not assume any obligation or
relationship of agency for or with holders or beneficial owners of warrants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following outlines some of the general terms and
provisions of the warrants. Further terms of the warrants and the applicable warrant agreement will be stated in the applicable prospectus supplement. The following description and any description of the warrants in a prospectus supplement may not
be complete and is subject to and qualified in its entirety by reference to the terms and provisions of the warrant agreement, a form of which has been or will be filed as an exhibit to the registration statement of which this prospectus forms a
part. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The applicable prospectus supplement will describe the terms of any warrants that MetLife, Inc. may offer, including the following:
</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the title of the warrants; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the total number of warrants; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the price or prices at which the warrants will be issued; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the currency or currencies investors may use to pay for the warrants; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the designation and terms of the underlying securities purchasable upon exercise of the warrants;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the price at which and the currency, currencies, or currency units in which investors may purchase the underlying
securities purchasable upon exercise of the warrants; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the date on which the right to exercise the warrants will commence and the date on which the right will expire;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the warrants will be issued in registered form or bearer form; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">information with respect to book-entry procedures, if any; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, the minimum or maximum amount of warrants which may be exercised at any one time;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, the designation and terms of the underlying securities with which the warrants are issued and the
number of warrants issued with each underlying security; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, the date on and after which the warrants and the related underlying securities will be separately
transferable; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if applicable, a discussion of material United States federal income tax considerations; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the identity of the warrant agent; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the procedures and conditions relating to the exercise of the warrants;&nbsp;and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any other terms of the warrants, including terms, procedures and limitations relating to the exchange and
exercise of the warrants. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Warrant certificates may be exchanged for new warrant certificates of different
denominations, and warrants may be exercised at the warrant agent&#146;s corporate trust office or any other office indicated in the applicable prospectus supplement. Prior to the exercise of their warrants, holders of warrants exercisable for debt
securities will not have any of the rights of holders of the debt securities purchasable upon such exercise and will not be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
entitled to payments of principal (or premium, if any) or interest, if any, on the debt securities purchasable upon such exercise. Prior to the exercise of their warrants, holders of warrants
exercisable for shares of preferred stock or common stock will not have any rights of holders of the preferred stock or common stock purchasable upon such exercise and will not be entitled to dividend payments, if any, or voting rights of the
preferred stock or common stock purchasable upon such exercise. Prior to the exercise of their warrants, holders of warrants exercisable for other securities described in this prospectus will not have any rights of holders of such securities
purchasable upon such exercise. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Exercise of Warrants </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A warrant will entitle the holder to purchase for cash an amount of securities at an exercise price that will be stated in, or that will be
determinable as described in, the applicable prospectus supplement. Warrants may be exercised at any time up to the close of business on the expiration date set forth in the applicable prospectus supplement. After the close of business on the
expiration date, unexercised warrants will become void. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Warrants may be exercised as set forth in the applicable prospectus supplement.
Upon receipt of payment and the warrant certificate properly completed and duly executed at the corporate trust office of the warrant agent or any other office indicated in the prospectus supplement, MetLife, Inc. will, as soon as practicable,
forward the securities purchasable upon such exercise. If less than all of the warrants represented by such warrant certificate are exercised, a new warrant certificate will be issued for the remaining warrants. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Enforceability of Rights; Governing Law </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The holders of warrants, without the consent of the warrant agent, may, on their own behalf and for their own benefit, enforce, and may
institute and maintain any suit, action or proceeding against MetLife, Inc. to enforce their rights to exercise and receive the securities purchasable upon exercise of their warrants. Unless otherwise stated in the prospectus supplement, each issue
of warrants and the applicable warrant agreement will be governed by, and construed in accordance with, the internal laws of the State of New York, without regard to its principles of conflicts of laws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_13"></A>DESCRIPTION OF PURCHASE CONTRACTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As may be specified in a prospectus supplement, MetLife, Inc. may issue purchase contracts obligating holders to purchase from MetLife, Inc.,
and MetLife, Inc. to sell to the holders, a number of debt securities, shares of common stock or preferred stock, or other securities described in this prospectus or the applicable prospectus supplement at a future date or dates. The purchase
contracts may require MetLife, Inc. to make periodic payments to the holders of the purchase contracts. These payments may be unsecured or prefunded on some basis to be specified in the applicable prospectus supplement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The prospectus supplement relating to any purchase contracts will specify the material terms of the purchase contracts and any applicable
pledge or depositary arrangements, including one or more of the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The stated amount that a holder will be obligated to pay under the purchase contract in order to purchase debt
securities, common stock, preferred stock, or other securities described in this prospectus or the formula by which such amount will be determined. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The settlement date or dates on which the holder will be obligated to purchase such securities. The prospectus
supplement will specify whether the occurrence of any events may cause the settlement date to occur on an earlier date and the terms on which an early settlement would occur. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The events, if any, that will cause MetLife, Inc.&#146;s obligations and the obligations of the holder under the
purchase contract to terminate. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The settlement rate, which is a number that, when multiplied by the stated amount of a purchase contract,
determines the number of securities that MetLife, Inc. will be obligated to sell and a holder will be obligated to purchase under that purchase contract upon payment of the stated amount of that purchase contract. The settlement rate may be
determined by the application of a formula specified in the prospectus supplement. If a formula is specified, it may be based on the market price of such securities over a specified period or it may be based on some other reference statistic.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Whether the purchase contracts will be issued separately or as part of units consisting of a purchase contract
and an underlying security with an aggregate principal amount equal to the stated amount. Any underlying securities will be pledged by the holder to secure its obligations under a purchase contract. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The type of underlying security, if any, that is pledged by the holder to secure its obligations under a purchase
contract. Underlying securities may be debt securities, common stock, preferred stock, or other securities described in this prospectus or the applicable prospectus supplement. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The terms of the pledge arrangement relating to any underlying securities, including the terms on which
distributions or payments of interest and principal on any underlying securities will be retained by a collateral agent, delivered to MetLife, Inc. or be distributed to the holder. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The amount of the contract fee, if any, that may be payable by MetLife, Inc. to the holder or by the holder to
MetLife, Inc., the date or dates on which the contract fee will be payable and the extent to which MetLife, Inc. or the holder, as applicable, may defer payment of the contract fee on those payment dates. The contract fee may be calculated as a
percentage of the stated amount of the purchase contract or otherwise. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The descriptions of the purchase contracts and
any applicable underlying security or pledge or depository arrangements in this prospectus and in any prospectus supplement are summaries of the material provisions of the applicable agreements and are subject to and qualified in their entirety by
reference to the terms and provisions of the purchase contract agreement, pledge agreement and deposit agreement, forms of which have been or will be filed as exhibits to the registration statement of which this prospectus forms a part. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_14"></A>DESCRIPTION OF UNITS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As specified in the applicable prospectus supplement, MetLife, Inc. may issue units comprised of one or more of the other securities described
in this prospectus in any combination. Each unit may also include debt obligations of third parties, such as U.S.&nbsp;Treasury securities. Each unit will be issued so that the holder of the unit is also the holder of each security included in the
unit. Thus, the holder of a unit will have the rights and obligations of a holder of each included security. The prospectus supplement will describe: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the designation and terms of the units and of the securities comprising the units, including whether and under
what circumstances the securities comprising the units may be held or transferred separately; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a description of the terms of any unit agreement governing the units; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a description of the provisions for the payment, settlement, transfer or exchange of the units;&nbsp;and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether the units will be issued in fully registered or global form. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The descriptions of the units and any applicable underlying security or pledge or depositary arrangements in this prospectus and in any
prospectus supplement are summaries of the material provisions of the applicable agreements and are subject to, and qualified in their entirety by reference to, the terms and provisions of the applicable agreements, forms of which have been or will
be filed as exhibits to the registration statement of which this prospectus forms a part. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_15"></A>PLAN OF DISTRIBUTION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may sell the securities being offered hereby in one or more of the following ways from time to time: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">to underwriters or dealers for resale to the public or to institutional investors; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">directly to institutional investors;&nbsp;or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">through agents to the public or to institutional investors. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The prospectus supplement with respect to each series of securities will state the terms of the offering of the securities, including: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the name or names of any underwriters or agents; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the purchase price of the securities and the proceeds to be received by MetLife, Inc. from the sale;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any underwriting discounts or agency fees and other items constituting underwriters&#146; or agents&#146;
compensation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any initial public offering price; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any discounts or concessions allowed or <FONT STYLE="white-space:nowrap">re-allowed</FONT> or paid to
dealers;&nbsp;and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">any securities exchange on which the securities may be listed. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If MetLife, Inc. uses underwriters in the sale, the securities will be acquired by the underwriters for their own account and may be resold
from time to time in one or more transactions, including: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">negotiated transactions; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">at a fixed public offering price or prices, which may be changed; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">at market prices prevailing at the time of sale; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">at prices related to prevailing market prices;&nbsp;or </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">at negotiated prices. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The securities may also be offered and sold, if so indicated in the prospectus supplement, in connection with a remarketing upon their
purchase, in accordance with a redemption or repayment pursuant to their terms, or otherwise, by one or more remarketing firms, acting as principals for their own accounts or as agents for MetLife, Inc. The prospectus supplement will identify any
remarketing firm and will describe the terms of its agreement, if any, with MetLife, Inc. and its compensation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise stated
in a prospectus supplement, the obligations of the underwriters to purchase any securities will be conditioned on customary closing conditions and the underwriters will be obligated to purchase all of such series of securities, if any are purchased.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If MetLife, Inc. sells the securities directly or through agents designated by it, MetLife, Inc. will identify any agent involved in the
offering and sale of the securities and will list any commissions payable by MetLife, Inc. to the agent in the accompanying prospectus supplement. Unless indicated otherwise in the prospectus supplement, any such agent will be acting on a best
efforts basis to solicit purchases for the period of its appointment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. may authorize agents, underwriters or dealers to
solicit offers by certain institutional investors to purchase securities and provide for payment and delivery on a future date specified in an accompanying prospectus supplement. MetLife, Inc. will describe any such arrangement in the prospectus
supplement. Any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
such institutional investor may be subject to limitations on the minimum amount of securities that it may purchase or on the portion of the aggregate principal amount of such securities that it
may sell under such arrangements. Institutional investors from which such authorized offers may be solicited include: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">commercial and savings banks; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">insurance companies; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">pension funds; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">investment companies; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">educational and charitable institutions;&nbsp;and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">such other institutions as MetLife, Inc. may approve. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Underwriters, dealers, agents and remarketing firms may be entitled under agreements entered into with MetLife, Inc. to indemnification by
MetLife, Inc. against certain civil liabilities, including liabilities under the Securities Act, or to contribution with respect to payments which the underwriters, dealers, agents and remarketing firms may be required to make. Underwriters,
dealers, agents and remarketing agents may be customers of, engage in transactions with, or perform services for MetLife, Inc. and/or MetLife, Inc.&#146;s affiliates in the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each series of securities will be a new issue of securities and will have no established trading market other than the common stock which is
listed on the New York Stock Exchange. Any common stock sold will be listed on the New York Stock Exchange, upon official notice of issuance. The securities, other than the common stock, may or may not be listed on a national securities exchange.
Any underwriters to whom securities are sold by MetLife, Inc. for public offering and sale may make a market in the securities, but such underwriters will not be obligated to do so and may discontinue any market making at any time without notice.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_16"></A>LEGAL OPINION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities offered hereby will be passed upon for
MetLife, Inc. by Willkie Farr&nbsp;&amp; Gallagher LLP, New York, New York, and will be passed upon for any agents, dealers or underwriters by counsel named in the applicable prospectus supplement. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="tx942008_17"></A>EXPERTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The financial statements of MetLife, Inc. as of December&nbsp;31, 2024 and 2023, and for each of the three years in the period ended
December&nbsp;31, 2024, incorporated by reference in this prospectus by reference to MetLife, Inc.&#146;s annual report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> for the year ended December&nbsp;31, 2024, and the effectiveness of
MetLife, Inc.&#146;s internal control over financial reporting have been audited by Deloitte&nbsp;&amp; Touche LLP, an independent registered public accounting firm, as stated in their reports. Such financial statements are incorporated by reference
in reliance upon the reports of such firm given their authority as experts in accounting and auditing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART&nbsp;II </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;14.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Other Expenses of Issuance and Distribution.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth those fees and expenses (other than underwriting discounts and commissions) expected to be incurred by MetLife,
Inc. in connection with the issuance and distribution of the securities being registered. Except for the SEC registration fee, all amounts shown are estimates. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SEC registration fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#8195;&#8195;&#8195;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Printing fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accounting fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Legal fees and expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Rating agencies&#146; fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Miscellaneous</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">*&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Deferred in accordance with Rule 456(b) and Rule 457(r) under the Securities Act. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Estimated fees and expenses are not presently known and will be reflected in the applicable prospectus
supplement. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;15.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Indemnification of Directors and Officers.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc.&#146;s directors and officers may be indemnified against liabilities, fines, penalties and claims imposed upon or asserted
against them as provided in the Delaware General Corporation Law and MetLife, Inc.&#146;s Amended and Restated Certificate of Incorporation, as amended, and Amended and Restated <FONT STYLE="white-space:nowrap">By-Laws,</FONT> and (in the case of
MetLife, Inc.&#146;s directors) the MetLife, Inc. Director Indemnity Plan. Such indemnification covers all costs and expenses incurred by a director or officer in his capacity as such. The board of directors, by a majority vote of a quorum of
disinterested directors or, under certain circumstances, independent counsel appointed by the board of directors, must determine that the director or officer seeking indemnification was not guilty of willful misconduct or a knowing violation of the
criminal law. In addition, the Delaware General Corporation Law and MetLife, Inc.&#146;s Amended and Restated Certificate of Incorporation, as amended, may, under certain circumstances, eliminate the liability of directors in a stockholder or
derivative proceeding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the person involved is not a director or officer of MetLife, Inc., the board of directors may cause MetLife,
Inc. to indemnify, to the same extent allowed for MetLife, Inc.&#146;s directors and officers, such person who was or is a party to a proceeding by reason of the fact that he is or was MetLife, Inc.&#146;s employee or agent, or is or was serving at
MetLife, Inc.&#146;s request as director, officer, employee or agent of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">MetLife, Inc. has in force and effect policies insuring its directors and officers against losses which they or any of them will become
legally obligated to pay by reason of any actual or alleged error or misstatement or misleading statement or act or omission or neglect or breach of duty by the directors and officers in the discharge of their duties, individually or collectively,
or any matter claimed against them solely by reason of their being directors or officers. Such coverage is limited by the specific terms and provisions of the insurance policies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the form of underwriting agreement to be filed as an exhibit to this registration statement, the underwriters will agree to
indemnify directors and officers of MetLife, Inc. and persons controlling MetLife, Inc., within the meaning of the Securities Act, against certain liabilities that might arise out of, or are based upon, certain information furnished to MetLife, Inc.
by any such underwriter. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>List of Exhibits.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>Incorporated&nbsp;By&nbsp;Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Exhibit<BR>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Form</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>File Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Exhibit</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filing&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filed&nbsp;or<BR>Furnished<BR>Herewith</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.1</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Debt Securities.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.2</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Preferred Stock.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.3</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Common Stock.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.4</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Warrants.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.5</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Purchase Contracts.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>1.6</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Form of Underwriting Agreement for Units.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>2.1</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012399010491/0000950123-99-010491.txt">Plan of Reorganization.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">S-1</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">333-91517</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">November&nbsp;23,&nbsp;1999</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>2.2</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012300002929/0000950123-00-002929.txt">Amendment to Plan of Reorganization, dated as of March&nbsp;9, 2000.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">S-1/A</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">333-91517</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2.2</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;29, 2000</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>2.3</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312517249962/d379288dex21.htm">Master Separation Agreement, dated August&nbsp;4, 2017, between MetLife, Inc. and Brighthouse Financial, Inc.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">August&nbsp;7, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.1(a)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312512085720/d302570dex41a.htm">Indenture, dated as of November&nbsp;
9, 2001, between MetLife, Inc. and The Bank of New York Mellon Trust Company, N.A. (as successor in interest to J.P. Morgan Trust Company, National Association (as successor to Bank One Trust Company, N.A.)), as trustee, relating to Senior Debt Securities.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.1</TD>
<TD NOWRAP VALIGN="top">(a)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">February&nbsp;28, 2012</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.1(b)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312512085720/d302570dex41a.htm">Form of Indenture for Senior Debt Securities between MetLife, Inc. and one or more banking institutions to be qualified as Trustee pursuant to
 Section&nbsp;305(b)(2) of the Trust Indenture Act of 1939. (Incorporated by reference to Exhibit 4.1(a), except for the name of the trustee) </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.1</TD>
<TD NOWRAP VALIGN="top">(a)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">February&nbsp;28, 2012</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.2(a)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012311018077/y87657exv4w41wa.txt">Indenture, dated as of June&nbsp;
21, 2005, between MetLife, Inc. and The Bank of New York Mellon Trust Company, N.A. (as successor in interest to J.P. Morgan Trust Company, National Association), as trustee, relating to Subordinated Debt Securities (the &#147;Subordinated Indenture&#148;).</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.41</TD>
<TD NOWRAP VALIGN="top">(a)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">February&nbsp;25, 2011</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>Incorporated&nbsp;By&nbsp;Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Exhibit<BR>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Form</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>File Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Exhibit</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filing&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filed&nbsp;or<BR>Furnished<BR>Herewith</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.2(b)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012311018077/y87657exv4w41wa.txt">Form of Indenture for Subordinated Debt Securities between MetLife, Inc. and one or more banking institutions to be qualified as Trustee pursuant
to Section 305(b)(2) of the Trust Indenture Act of 1939. (Incorporated by reference to Exhibit 4.2(a), except for the name of the trustee) </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.41</TD>
<TD NOWRAP VALIGN="top">(a)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">February&nbsp;25,&nbsp;2011</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.3</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000095012300002120/0000950123-00-002120.txt">Form of Certificate for Common Stock, par value $0.01 per share.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">S-1/A</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">333-91517</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;9, 2000</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.4</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000093783417000003/met-20161231xex31.htm">Amended and Restated Certificate of Incorporation of MetLife, Inc.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;1, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.5</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000093783417000003/met-20161231xex32.htm">Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock of MetLife, Inc., filed with the Secretary
 of State of Delaware on April&nbsp;7, 2000.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.2</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;1, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.6</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000093783417000003/met20161231-ex33.htm">Certificate of Designations of Floating Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series A, of MetLife,
 Inc., filed with the Secretary of State of Delaware on June&nbsp;10, 2005.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.3</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;1, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.7</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000093783417000003/met20161231-ex34.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated April&nbsp;29, 2011.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">10-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.4</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;1, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.8</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312515162005/d903558dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated April&nbsp;29, 2015.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">April&nbsp;30, 2015</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.9</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000109921921000263/ex31certificateofeliminati.htm">Certificate of Elimination of 5.250% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT>
</FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series C, of MetLife, Inc., filed with the Secretary of State of Delaware on June&nbsp;29, 2021.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">June&nbsp;29, 2021</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312517317898/d480189dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated October&nbsp;23, 2017</A>.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">October&nbsp;24, 2017</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.11</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312518092177/d553518dex31.htm">Certificate of Designations of 5.875% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate
<FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series D, of MetLife, Inc., filed with the Secretary of State of Delaware on March&nbsp;21, 2018.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">March&nbsp;22, 2018</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="40%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>Incorporated&nbsp;By&nbsp;Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Exhibit<BR>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Form</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>File Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Exhibit</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filing&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filed&nbsp;or<BR>Furnished<BR>Herewith</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.12</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312518183434/d596081dex31.htm">Certificate of Designations of 5.625% <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series E, of MetLife, Inc., filed
 with the Secretary of the State of Delaware on May&nbsp;31, 2018.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">June&nbsp;4, 2018</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.13</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312520004718/d864862dex31.htm">Certificate of Designations of 4.75% <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series F, of MetLife, Inc., filed
 with the Secretary of the State of Delaware on January&nbsp;8, 2020</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">January&nbsp;9, 2020</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.14</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312520243114/d88995dex31.htm">Certificate of Designations of 3.850% Fixed Rate Reset <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Preferred Stock, Series G, of MetLife,
 Inc., filed with the Secretary of the State of Delaware on September&nbsp;9, 2020.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">September&nbsp;10,&nbsp;2020</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.15</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1099219/000119312523251586/d526389dex32.htm">Amended and Restated <FONT STYLE="white-space:nowrap">By-Laws</FONT> of MetLife, Inc., effective October&nbsp;3, 2023.</A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">8-K</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="white-space:nowrap">001-15787</FONT></TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.2</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">October&nbsp;5, 2023</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.16</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Warrant Agreement.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.17</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Deposit Agreement.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.18</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Depositary Receipt.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.19</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Purchase Contract Agreement.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.20</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Pledge Agreement.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.21</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Unit Agreement.*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>5.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dex51.htm">Opinion of Willkie Farr&nbsp;&amp; Gallagher LLP. </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dex231.htm">Consent of Deloitte&nbsp;&amp; Touche LLP. </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dex51.htm">Consent of Willkie Farr&nbsp;&amp; Gallagher LLP (Included in Exhibit&nbsp;5.1). </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>24.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008ds3asr.htm#sig">Powers of Attorney (Included on signature page of this Registration Statement). </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>25.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dex251.htm">Statement of Eligibility on <FONT STYLE="white-space:nowrap">Form&nbsp;T-1</FONT> of The Bank of New York Mellon Trust Company, N.A., as Trustee under the Senior Indenture, dated as of November&nbsp;
9, 2001. </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>25.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dex252.htm">Statement of Eligibility on <FONT STYLE="white-space:nowrap">Form&nbsp;T-1</FONT> of The Bank of New York Mellon Trust Company, N.A., as Trustee under the Subordinated Indenture, dated as of June&nbsp;
21, 2005. </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="56%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><B>Incorporated&nbsp;By&nbsp;Reference</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Exhibit<BR>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Form</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>File<BR>Number</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Exhibit</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filing&nbsp;Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Filed&nbsp;or<BR>Furnished<BR>Herewith</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>25.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Statement of Eligibility of Trustee to be named later with respect to Form of Indenture for Senior Debt Securities, listed above as Exhibit 4.1(b).**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>25.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Statement of Eligibility of Trustee to be named later with respect to Form of Indenture for Subordinated Debt Securities, listed above as Exhibit 4.2(b).**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>107</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d942008dexfilingfees.htm">Filing Fee Table. </A></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">X</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Indicates document to be filed as an exhibit to a Current Report on Form
<FONT STYLE="white-space:nowrap">8-K</FONT> or Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> pursuant to Item 601 of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> and incorporated herein by reference.
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Indicates document to be filed as a 305B2 filing and incorporated herein by reference. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&#8201;17.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Undertakings.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned Registrant hereby undertakes: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)&nbsp;To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)&nbsp;To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933; (ii)&nbsp;To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities
offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the SEC
pursuant to Rule&nbsp;424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &#147;Calculation of Registration Fee&#148; table in the effective
registration statement; and (iii)&nbsp;To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement;
provided, however, that paragraphs&nbsp;(a)(1)(i), (a)(1)(ii) and (a)(1)(iii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the
SEC by the Registrant pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to
Rule&nbsp;424(b) that is part of the registration statement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)&nbsp;That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide
offering thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3)&nbsp;To remove from registration by means of a post-effective amendment any of the securities being registered
which remain unsold at the termination of the offering. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4)&nbsp;That, for the purpose of determining liability under the Securities Act
of 1933 to any purchaser: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;Each prospectus filed by the Registrant pursuant to Rule&nbsp;424(b)(3) shall be deemed
to be part of the registration statement as of the date the filed prospectus was deemed part of and included in the registration statement;&nbsp;and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;Each prospectus required to be filed pursuant to Rule&nbsp;424(b)(2), (b)(5), or (b)(7) as part of a registration
statement in reliance on Rule&nbsp;430B relating to an offering made pursuant to Rule&nbsp;415(a)(1)(i), (vii)&nbsp;or (x)&nbsp;for the purpose of providing the information required by Section&nbsp;10(a) of the Securities Act of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
1933 shall be deemed to be part of and included in the registration statement as of the earlier of the date such form of prospectus is first used after effectiveness or the date of the first
contract of sale of securities in the offering described in the prospectus. As provided in Rule&nbsp;430B, for liability purposes of the issuer and any person that is at that date an underwriter, such date shall be deemed to be a new effective date
of the registration statement relating to the securities in the registration statement to which that prospectus relates, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof; <I>provided,
however</I>, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is
part of the registration statement will, as to a purchaser with a time of contract of sale prior to such effective date, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration
statement or made in any such document immediately prior to such effective date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5)&nbsp;That, for the purpose of determining liability
of the Registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, each undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this
registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a
seller to the purchaser and will be considered to offer or sell such securities to such purchaser: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;Any
preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule&nbsp;424; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used
or referred to by the undersigned Registrant; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;The portion of any other free writing prospectus relating to the
offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned Registrant;&nbsp;and (iv)&nbsp;Any other communication that is an offer in the offering made by the undersigned
Registrant to the purchaser. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6)&nbsp;That, for the purposes of determining any liability under the Securities Act of 1933, each filing
of MetLife, Inc.&#146;s annual report pursuant to Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934 (and,&nbsp;where applicable, each filing of an employee benefit plan&#146;s annual report pursuant to Section&nbsp;15(d) of the
Securities Exchange Act of 1934)&nbsp;that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time
shall be deemed to be the initial bona fide offering thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7)&nbsp;To file an application for the purpose of determining the
eligibility of the trustee to act under subsection&nbsp;(a) of Section&nbsp;310 of the Trust Indenture Act of 1939, as amended (the &#147;<I>Trust Indenture Act</I>&#148;) in accordance with the rules and regulations prescribed by the SEC under
Section&nbsp;305(b)(2) of the Trust&nbsp;Indenture Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Insofar as indemnification for liabilities arising under the Securities Act of
1933&nbsp;may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the SEC such indemnification is against public
policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or
controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the
opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="sig"></A>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, MetLife, Inc. certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on <FONT STYLE="white-space:nowrap">Form&nbsp;S-3</FONT> and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of New York, State of
New York on May 16, 2025. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="79%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B>METLIFE, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Toby S. Brown</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#8201;Toby S. Brown</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#8201;Executive Vice President</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&#8201;and Interim Chief Accounting Officer</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&#8201;(Authorized Signatory and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&#8201;Principal Accounting Officer)</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned hereby constitutes and appoints Michel A. Khalaf, President and Chief
Executive Officer, Monica M. Curtis, Executive Vice President and Chief Legal Officer, John D. McCallion, Executive Vice President and Chief Financial Officer, and John Hall, Executive Vice President and Treasurer, or any of them and their
respective successors from time to time in the offices of President and Chief Executive Officer, Chief Legal Officer, Chief Financial Officer, and Treasurer, as the case may be, as true and lawful <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> and agents, each acting alone, with full powers of substitution and resubstitution, for such person and in such person&#146;s name, place and stead, in any and all capacities, to sign
individually and not collectively, (i)&nbsp;this Registration Statement and any and all amendments and supplements to this Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3,</FONT> including, without limitation, post-effective
amendments, and other instruments appropriate or necessary in connection therewith, to attest the seal of MetLife, Inc. thereon, and to file the same with the Securities and Exchange Commission, granting to said <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> and agents, or their substitutes, and each of them, the full power and authority to do and perform in the name and on behalf of each of said officers and directors, or both, as the case may
be, every act whatsoever which may be appropriate or necessary as set forth in this Registration Statement, including any amendments or supplements thereto, including, without limitation, post- effective amendments to this Registration Statement,
and to take or cause to be taken any and all such actions in connection therewith in the name and on behalf of MetLife, Inc. as they, in their sole discretion, deem appropriate or necessary and (ii)&nbsp;any and all other instruments which any of
such <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorneys-in-fact</FONT></FONT> and agents deems necessary or advisable to comply with the Securities Act of 1933, as amended, the rules, regulations, and requirements of the
Securities and Exchange Commission and Blue Sky or other state securities laws and regulations, and does hereby grant unto each such <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent full
power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises, as fully to all intents and purposes as such person might or could do in person, hereby ratifying and confirming all
that each said <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and agent, or any substitute therefor, may lawfully do or cause to be done by virtue hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the
capacities and on the dates indicated. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="18%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Cheryl W. Gris&eacute;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Cheryl W. Gris&eacute;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Carlos M. Gutierrez</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Carlos M. Gutierrez</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Carla A. Harris</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Carla A. Harris</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Laura J. Hay</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Laura J. Hay</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ R. Glenn Hubbard</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">R. Glenn Hubbard</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Chairman of the Board</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Jeh C. Johnson</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Jeh C. Johnson</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left" style="font-size:10pt;font-weight:bold"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="18%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Date</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Edward J. Kelly, III</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Edward J. Kelly, III</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ William E. Kennard</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">William E. Kennard</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Diana L. McKenzie</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Diana L. McKenzie</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Denise M. Morrison</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Denise M. Morrison</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Christian Mumenthaler</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Christian Mumenthaler</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Mark A. Weinberger</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Mark A. Weinberger</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Michel A. Khalaf</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Michel A. Khalaf</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">President, Chief Executive Officer and Director</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Executive Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ John D. McCallion</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">John D. McCallion</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Executive Vice President and Chief Financial Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Financial Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Toby S. Brown</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Toby S. Brown</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Executive Vice President and Interim Chief Accounting Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Accounting Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" NOWRAP ALIGN="center">May 16, 2025</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-9 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>d942008dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g942008g0407225304114.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="27%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="25%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">787 Seventh Avenue</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, NY 10019-6099</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Tel: 212 728 8000</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Fax: 212 728 8111</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">May 16, 2025 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">200 Park Avenue </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, NY 10166 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">R<SMALL>E</SMALL>:&#8195;<U>M<SMALL>ET</SMALL>L<SMALL>IFE</SMALL>, I<SMALL>NC</SMALL>. F<SMALL>ORM</SMALL>
<FONT STYLE="white-space:nowrap">S-3</FONT> R<SMALL>EGISTRATION</SMALL> S<SMALL>TATEMENT</SMALL></U><SMALL></SMALL> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as counsel to MetLife, Inc., a Delaware corporation (the &#147;<B>Company</B>&#148;), in connection with the preparation and
filing with the U.S. Securities and Exchange Commission (the &#147;<B>Commission</B>&#148;) under the Securities Act of 1933, as amended (the &#147;<B>Securities Act</B>&#148;), of a Registration Statement on Form
<FONT STYLE="white-space:nowrap">S-3</FONT> (the &#147;<B>Registration Statement</B>&#148;) relating to the following securities of the Company: (i)&nbsp;unsecured senior debt securities (the &#147;<B>Senior Debt Securities</B>&#148;); (ii)
unsecured subordinated debt securities (the &#147;<B>Subordinated Debt Securities</B>&#148; and, together with the Senior Debt Securities, the &#147;<B>Debt Securities</B>&#148;); (iii) shares of preferred stock, par value of $0.01 per share (the
&#147;<B>Preferred Stock</B>&#148;); (iv) depositary shares (the &#147;<B>Depositary Shares</B>&#148;) in the form of fractional interests in Debt Securities or fractional shares of the Common Stock or Preferred Stock in each case evidenced by
depositary receipts (the &#147;<B>Receipts</B>&#148;); (v) shares of common stock, par value $0.01 per share (the &#147;<B>Common Stock</B>&#148;); (vi) warrants for the purchase of Debt Securities, Preferred Stock, Common Stock or other securities
registered under the Registration Statement (the &#147;<B>Warrants</B>&#148;); (vii) contracts for the purchase and sale of Debt Securities, Preferred Stock, Common Stock or other securities registered under the Registration Statement (the
&#147;<B>Purchase Contracts</B>&#148;); and (viii)&nbsp;units, consisting of any combination of two or more of the securities registered under the Registration Statement or debt obligations of third parties, including United States Treasury
Securities (the &#147;<B>Units</B>&#148; and, together with the Debt Securities, the Common Stock, the Preferred Stock, the Depositary Shares, the Receipts, the Warrants, and the Purchase Contracts, the &#147;<B>Offered Securities</B>&#148;). The
Offered Securities will be issued from time to time pursuant to the provisions of Rule 415 under the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Debt Securities
may be issued in one or more series pursuant to an Indenture relating to Senior Debt Securities dated as of November&nbsp;9, 2001, an indenture to be entered into in the form of indenture relating to Senior Debt Securities included as Exhibit 4.1(b)
to the Registration Statement, an Indenture relating to Subordinated Debt Securities dated as of June&nbsp;21, 2005, or an indenture to be entered into in the form of indenture relating to Subordinated Debt Securities included as Exhibit 4.2(b) to
the Registration Statement (as each such indenture may be amended or supplemented, an &#147;<B>Indenture</B>&#148;), each of which is or is contemplated to be between the Company and The Bank of New York Mellon Trust, N.A., (as successor to J.P.
Morgan Trust Company, National Association or Bank One Trust Company, N.A., as applicable), as trustee, and each of which is incorporated by reference in the Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B<SMALL>RUSSELS&#8195;</SMALL>C<SMALL>HICAGO&#8195;</SMALL>D<SMALL>ALLAS&#8195;</SMALL>F<SMALL>RANKFURT&#8195;</SMALL>H<SMALL>OUSTON&#8195;</SMALL>L<SMALL>ONDON&#8195;
</SMALL>L<SMALL>OS</SMALL> A<SMALL>NGELES&#8195;</SMALL>M<SMALL>ILAN</SMALL> </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">M<SMALL>UNICH&#8195;</SMALL>N<SMALL>EW</SMALL>
Y<SMALL>ORK&#8195;</SMALL>P<SMALL>ALO</SMALL> A<SMALL>LTO&#8195;</SMALL>P<SMALL>ARIS&#8195;</SMALL>R<SMALL>OME&#8195;</SMALL>S<SMALL>AN</SMALL> F<SMALL>RANCISCO&#8195;</SMALL>W<SMALL>ASHINGTON</SMALL> </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 16, 2025 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 2 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Depositary Shares evidenced by Receipts may be issued pursuant to a Deposit Agreement
(the &#147;<B>Deposit Agreement</B>&#148;) between the Company and a depositary, which will be filed as an exhibit to a Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> or a Quarterly Report on Form
<FONT STYLE="white-space:nowrap">10-Q</FONT> and incorporated by reference in the Registration Statement when such Depositary Shares are issued. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Warrants may be issued pursuant to Warrant Agreements (each a &#147;<B>Warrant Agreement</B>&#148;) to be entered into by the Company and
a bank or trust company, as Warrant Agent, a form of which will be filed as an exhibit to a Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> or a Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> and
incorporated by reference in the Registration Statement when such Warrants are issued. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Purchase Contracts may be issued pursuant to a
Purchase Contract Agreement to be entered into between the Company and a bank or trust company, as Purchase Contract Agent, and a Pledge Agreement to be entered into among the Company, a Purchase Contract Agent and a bank or trust company, as
Collateral Agent, Custodial Agent and Securities Intermediary, each of which will be filed as an exhibit to a Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> or a Quarterly Report on Form
<FONT STYLE="white-space:nowrap">10-Q</FONT> and incorporated by reference in the Registration Statement when such Purchase Contracts are issued. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Units may be issued pursuant to a Unit Agreement to be entered into between the Company and a bank or trust company, as Unit Agent, a form
of which will be filed as an exhibit to a Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> or a Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> and incorporated by reference in the Registration Statement when
such Units are issued. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have examined such corporate records, certificates and other documents as we have deemed necessary for the
purposes hereof. In such examination, we have assumed the genuineness of all signatures, the legal capacity of all natural persons, the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents
submitted to us as copies and the authenticity of the originals of such copies. We have also assumed that the books and records of the Company are maintained in accordance with proper corporate procedures. As to any facts material to our opinions,
we have, when relevant facts were not independently established, relied upon the aforesaid records, certificates and documents. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based
upon the foregoing and subject to the limitations, qualifications and assumptions contained herein, we are of the opinion that: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Debt Securities</U></I><I>. </I>The execution and delivery of the Indentures have been duly authorized by
the Company. Assuming that any Debt Securities and any supplemental indenture to be entered into in connection with the issuance of such Debt Securities and the terms of the offering thereof and related matters have been duly authorized, when
(i)&nbsp;the Registration Statement has become effective under the Securities Act, (ii)&nbsp;a supplemental indenture in respect of such Debt </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 16, 2025 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 3 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
Securities has been duly executed and delivered, (iii)&nbsp;the terms of such Debt Securities have been duly established in accordance with the applicable Indenture and the applicable
supplemental indenture relating to such Debt Securities so as not to violate any applicable law or result in a default under or breach of any agreement or instrument binding upon the Company and so as to comply with any requirement or restriction
imposed by any court or governmental or regulatory body having jurisdiction over the Company, and (iv)&nbsp;such Debt Securities have been duly executed and authenticated in accordance with the applicable Indenture and the applicable supplemental
indenture relating to such Debt Securities and duly issued, paid for and delivered as contemplated in the Registration Statement and any prospectus supplement relating thereto, and in accordance with any underwriting agreement and the terms of any
other Offered Securities pursuant to which Debt Securities may be issued, such Debt Securities (including any Debt Securities that may be issued upon exercise, conversion, exchange or otherwise pursuant to the terms of any other Offered Securities)
will constitute valid and binding obligations of the Company, enforceable against the Company in accordance with their terms. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Preferred Stock</U></I><I>. </I>Assuming that the shares of Preferred Stock and the terms of the offering
thereof and related matters have been duly authorized, when (i)&nbsp;the Registration Statement has become effective under the Securities Act, (ii)&nbsp;the terms of a class or series of Preferred Stock have been duly and properly authorized for
issuance and Certificate of Designations to the Amended and Restated Certificate of Incorporation of the Company classifying the shares of Preferred Stock and setting forth the terms thereof have been filed with the Delaware Secretary of State and
accepted for record, and (iii)&nbsp;certificates for the shares of Preferred Stock have been duly executed, authenticated, issued, paid for and delivered as contemplated in the Registration Statement and any prospectus supplement relating thereto,
and in accordance with any underwriting agreement and the terms of any other Offered Securities pursuant to which shares of Preferred Stock may be issued, such shares of Preferred Stock (including any shares of Preferred Stock that may be issued
upon exercise, conversion, exchange or otherwise pursuant to the terms of any other Offered Securities) will be validly issued, fully paid and nonassessable. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Depositary Shares</U></I><I>. </I>Assuming that the Receipts and Depositary Shares and the terms of the
offering thereof and related matters have been duly authorized, when (i)&nbsp;the Registration Statement has become effective under the Securities Act, (ii)&nbsp;the respective Deposit Agreement has been duly authorized, executed and delivered,
(iii)&nbsp;the terms of such Depositary Shares and of their issuance and sale have been duly established in conformity with such Deposit Agreement relating to such Depositary Shares and are such as not to violate any applicable law or result in a
default under or breach of any agreement or instrument binding upon the Company and as to comply with any requirement or restriction imposed by any court or governmental or regulatory body having jurisdiction over the Company,
</P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 16, 2025 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 4 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
(iv)(a) the Debt Securities relating to such Depositary Shares have been duly and properly authorized for issuance as contemplated in paragraph 1 above or (b)&nbsp;the shares of Preferred Stock
or of Common Stock relating to such Depositary Shares have been duly and properly authorized for issuance and are fully paid and <FONT STYLE="white-space:nowrap">non-assessable</FONT> as contemplated in paragraph 2 or 4 herein, as the case may be,
(v)&nbsp;such Preferred Stock or Common Stock or the Debt Securities have been duly issued and paid for in the manner contemplated in the Registration Statement and any prospectus supplement relating thereto and in accordance with any underwriting
agreement and the terms of any Offered Securities pursuant to which the Debt Securities or shares of Preferred Stock or Common Stock, as the case may be, may be issued, and (vi)&nbsp;the Receipts evidencing such Depositary Shares are duly issued
against the deposit of such Preferred Stock or Common Stock or the Debt Securities as contemplated in the Registration Statement and any prospectus supplement relating thereto, and in accordance with the Deposit Agreement, any underwriting agreement
and the terms of any Offered Securities relating to such issuance, such Receipts evidencing the Depositary Shares (including any Depositary Shares that may be issued upon exercise, conversion, exchange or otherwise pursuant to the terms of any other
Offered Securities) will be validly issued and will entitle the holders thereof to the rights specified therein and in the Deposit Agreement. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Common Stock</U></I><I>. </I>Assuming that the shares of Common Stock and the terms of the offering
thereof and related matters have been duly authorized, when (i)&nbsp;the Registration Statement has become effective under the Securities Act, and (ii)&nbsp;certificates for the shares of Common Stock have been duly executed, authenticated, issued,
paid for and delivered as contemplated in the Registration Statement and any prospectus supplement relating thereto, and in accordance with any underwriting agreement and the terms of any other Offered Securities pursuant to which shares of Common
Stock may be issued, such shares of Common Stock (including any shares of Common Stock that may be issued upon exercise, conversion, exchange or otherwise pursuant to the terms of any other Offered Securities) will be validly issued, fully paid and
nonassessable. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Warrants</U></I><I>. </I>Assuming that the issuance and terms of the Warrants and the terms of the
offering thereof and related matters have been duly authorized, when (i)&nbsp;the Registration Statement has become effective under the Securities Act, (ii)&nbsp;the Warrant Agreement or Agreements relating to the Warrants have been duly authorized
and validly executed and delivered by the Company and the Warrant Agent appointed by the Company, and (iii)&nbsp;the Warrants or certificates representing the Warrants have been duly executed, authenticated, issued, paid for and delivered as
contemplated in the Registration Statement and any prospectus supplement relating thereto, and in accordance with any underwriting agreement, such Warrants will constitute valid and binding obligations of the Company, enforceable against the Company
in accordance with their terms. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 16, 2025 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 5 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Purchase Contracts</U></I><I>. </I>Assuming that the Purchase Contracts and the terms of the offering
thereof and related matters have been duly authorized (including authorization of the issuance of the securities to be issued pursuant to the Purchase Contracts) and their terms are such as not to violate any applicable law or result in a default
under or breach of any agreement or instrument binding upon the Company and as to comply with any requirement or restriction imposed by any court or governmental or regulatory body having jurisdiction over the Company, when (i)&nbsp;the Registration
Statement has become effective under the Securities Act, and (ii)&nbsp;the Purchase Contracts have been duly executed, authenticated, issued, paid for and delivered as contemplated in the Registration Statement and any prospectus supplement relating
thereto, and in accordance with any underwriting agreement related to such issuance, such Purchase Contracts will constitute valid and binding obligations of the Company enforceable against the Company in accordance with their terms.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><I><U>Units</U></I><I>. </I>Assuming that the Units and the terms of the offering thereof and related matters
have been duly authorized, and their terms are such as not to violate any applicable law or result in a default under or breach of any agreement or instrument binding upon the Company and as to comply with any requirement or restriction imposed by
any court or governmental or regulatory body having jurisdiction over the Company, when (i)&nbsp;the Registration Statement has become effective under the Securities Act, (ii)&nbsp;the other Offered Securities that are a component of such Units have
been duly and properly authorized for issuance and, in the case of Common Stock and Preferred Stock, are fully paid and <FONT STYLE="white-space:nowrap">non-assessable,</FONT> (iii)&nbsp;in the case of Units consisting at least in part of debt
obligations of third parties, such debt obligations at all relevant times constitute the valid and binding obligations of the issuers thereof enforceable against the issuers thereof in accordance with their terms, and (iv)&nbsp;the Units have been
duly executed, authenticated, and if required, issued, paid for and delivered as contemplated in the Registration Statement and any prospectus supplement relating thereto, and in accordance with any underwriting agreement related to such issuance,
such Units will constitute valid and binding obligations of the Company enforceable against the Company in accordance with their terms. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The opinions expressed herein are subject to the qualifications that we express no opinion as to the applicability of, compliance with, or
effect of: (i)&nbsp;any bankruptcy, insolvency, reorganization, fraudulent transfer, fraudulent conveyance, moratorium or other similar law or judicially developed doctrine in this area (such as substantive consolidation or equitable subordination)
affecting the enforcement of creditors&#146; rights generally, (ii)&nbsp;general principles of equity (regardless of whether enforcement is considered in a proceeding in equity or at law), (iii) public policy considerations which may limit the
rights of parties to obtain certain remedies, and (iv)&nbsp;any laws except the laws of the State of New York, the General Corporation Law of the State of Delaware and the federal securities laws of the United States of America. Issues addressed by
this letter may be governed in whole or in part by other laws, but we express no opinion as to whether any relevant difference exists between the laws upon which the opinions expressed herein are based and any other laws which may actually govern.
</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">MetLife, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 16, 2025 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 6 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The opinions expressed herein are limited to the specific legal matters expressly addressed
herein, and no opinion is expressed or implied with respect to the laws of any other jurisdiction or any legal matter not expressly addressed herein. The opinions expressed herein are given as of the date hereof, and we assume no obligation to
update or supplement such opinions after the date hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We express no opinion as to the application of the securities or blue sky laws
of the several states to the sale of the Offered Securities. Without limiting the generality of the foregoing, except as set forth herein, we express no opinion in connection with the matters contemplated in the Registration Statement, and no
opinion may be implied or inferred, except as expressly set forth herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We hereby consent to the filing of this opinion as an exhibit
to the Registration Statement and to the use of our name under the heading &#147;Legal Opinion&#148; in the Prospectus forming a part of the Registration Statement and in any amendments or supplements to the Registration Statement and Prospectus. In
giving such consent, we do not thereby concede that we are within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act, or the rules and regulations of the Commission thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:56%; font-size:10pt; font-family:Times New Roman" ALIGN="center">Very truly yours, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:56%; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ Willkie Farr &amp; Gallagher LLP </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>d942008dex231.htm
<DESCRIPTION>EX-23.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.1</B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We
consent to the incorporation by reference in this Registration Statement on Form S-3 of our report dated February 20, 2025, relating to the financial statements of MetLife, Inc., and the effectiveness of MetLife, Inc.&#146;s internal control over
financial reporting, appearing in the Annual Report on Form 10-K of MetLife, Inc. for the year ended December 31, 2024. We also consent to the reference to us under the heading &#147;Experts&#148; in such Registration Statement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/&nbsp;DELOITTE &amp; TOUCHE LLP </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May&nbsp;16, 2025 </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-25.1
<SEQUENCE>4
<FILENAME>d942008dex251.htm
<DESCRIPTION>EX-25.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-25.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 25.1 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT STYLE="white-space:nowrap">T-1</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>STATEMENT OF ELIGIBILITY </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNDER THE TRUST INDENTURE ACT OF 1939 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9744;<B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman; " ALIGN="left"><B>CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2)
</B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>THE BANK OF NEW YORK MELLON </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>TRUST COMPANY, N.A. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of trustee as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">95-3571558</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Jurisdiction of incorporation</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>if not a U.S. national bank)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>identification no.)</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>333 South Hope Street</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Suite 2525</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Los Angeles,
California</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>90071</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip code)</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MetLife, Inc. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Exact
name of obligor as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Delaware</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">13-4075851</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>identification no.)</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>200 Park Avenue New York, New York</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>10166-0188</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip code)</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Senior Debt Securities </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Title of the indenture securities) </B></P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>General information. Furnish the following information as to the trustee: </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(a)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Name and address of each examining or supervising authority to which it is subject.
</B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Name</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Address</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Comptroller of the Currency</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">United States Department of the Treasury</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Washington, DC 20219</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Federal Reserve Bank</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">San Francisco, CA 94105</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Federal Deposit Insurance Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Washington, DC 20429</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(b)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Whether it is authorized to exercise corporate trust powers. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Yes. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Affiliations with Obligor. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>If the obligor is an affiliate of the trustee, describe each such affiliation. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>List of Exhibits. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Exhibits identified in parentheses below, on file with the Commission, are incorporated herein by reference as an exhibit hereto, pursuant
to Rule <FONT STYLE="white-space:nowrap">7a-29</FONT> under the Trust Indenture Act of 1939 (the &#147;Act&#148;). </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the articles of association of The Bank of New York Mellon Trust Company, N.A., formerly known as The
Bank of New York Trust Company, N.A. (Exhibit 1 to Form <FONT STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-121948</FONT> and Exhibit 1 to Form
<FONT STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-152875).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of certificate of authority of the trustee to commence business. (Exhibit 2 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.333-121948).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the authorization of the trustee to exercise corporate trust powers (Exhibit 3 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.333-152875).</FONT> </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 2 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the existing <FONT STYLE="white-space:nowrap">by-laws</FONT> of the trustee (Exhibit 4 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-229762).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The consent of the trustee required by Section&nbsp;321(b) of the Act (Exhibit 6 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-152875).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the latest report of condition of the Trustee published pursuant to law or to the requirements of its
supervising or examining authority. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 3 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SIGNATURE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Act, the trustee, The Bank of New York Mellon Trust Company, N.A., a banking association organized and
existing under the laws of the United States of America, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Everett, and State of Massachusetts, on the 9th day
of May, 2025. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Marie A. Hattinger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Marie A. Hattinger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 4 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 7 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Consolidated Report of Condition of </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">of 333 South Hope Street, Suite 2525, Los Angeles, CA 90071 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the close of business December&nbsp;31, 2024, published in accordance with Federal regulatory authority instructions. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="90%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Dollar&nbsp;amounts<BR>in thousands</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>ASSETS</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and balances due from depository institutions:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing balances and currency and coin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30,948</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing balances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">200,909</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Held-to-maturity</FONT></FONT>
securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Available-for-sale</FONT></FONT>
debt securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">98,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity securities with readily determinable fair values not held for trading</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds sold and securities purchased under agreements to resell:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds sold in domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities purchased under agreements to resell</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and lease financing receivables:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for investment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LESS: Allowance for credit losses on loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for investment, net of allowance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trading assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and fixed assets (including <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">right-of-use</FONT></FONT> assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investments in unconsolidated subsidiaries and associated companies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Direct and indirect investments in real estate ventures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">856,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">105,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,301,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="92%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>LIABILITIES</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">In domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds purchased and securities sold under agreements to repurchase:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds purchased in domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trading liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other borrowed money:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(includes mortgage indebtedness)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated notes and debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">264,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">265,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>EQUITY CAPITAL</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Perpetual preferred stock and related surplus</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Surplus (exclude all surplus related to preferred stock)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">107,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not available</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">928,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other equity capital components</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not available</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total bank equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,036,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noncontrolling (minority) interests in consolidated subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,036,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,301,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I, Shana Quinn, CFO of the above-named bank do hereby declare that the Reports of Condition and Income
(including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true to the best of my knowledge and belief. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="84%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#8195;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Shana&nbsp;Quinn</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">CFO</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We, the undersigned directors (trustees), attest to the correctness of the Report of Condition (including the
supporting schedules) for this report date and declare that it has been examined by us and to the best of our knowledge and belief has been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and is
true and correct. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="63%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#8195;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Kevin C. Weeks, President</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Cathleen&nbsp;Sokolowski,&nbsp;Managing&nbsp;Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Directors (Trustees)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Jon M. Pocchia, Senior Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-25.2
<SEQUENCE>5
<FILENAME>d942008dex252.htm
<DESCRIPTION>EX-25.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-25.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 25.2 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT STYLE="white-space:nowrap">T-1</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>STATEMENT OF ELIGIBILITY </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNDER THE TRUST INDENTURE ACT OF 1939 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:12pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>&#9744;<B></B><B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman; " ALIGN="left"><B>CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2)
</B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>THE BANK OF NEW YORK MELLON </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>TRUST COMPANY, N.A. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of trustee as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">95-3571558</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Jurisdiction of incorporation</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>if not a U.S. national bank)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>identification no.)</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>333 South Hope Street</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Suite 2525</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Los Angeles,
California</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>90071</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip code)</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MetLife, Inc. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Exact
name of obligor as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Delaware</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">13-4075851</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(State or other jurisdiction of<BR>incorporation or organization)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(I.R.S. employer<BR>identification no.)</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>200 Park Avenue</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>New York, New York</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>10166-0188</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip code)</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center><DIV STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</DIV></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Subordinated Debt Securities </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Title of the indenture securities) </B></P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;
</DIV><DIV STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>General information. Furnish the following information as to the trustee: </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(a)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Name and address of each examining or supervising authority to which it is subject.
</B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Name</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Address</P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Comptroller of the Currency</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">United States Department of the Treasury</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Washington, DC 20219</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Federal Reserve Bank</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">San Francisco, CA 94105</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">Federal Deposit Insurance Corporation <BR></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Washington, DC 20429</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(b)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Whether it is authorized to exercise corporate trust powers. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Yes. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Affiliations with Obligor. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>If the obligor is an affiliate of the trustee, describe each such affiliation. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>List of Exhibits. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Exhibits identified in parentheses below, on file with the Commission, are incorporated herein by reference as an exhibit hereto, pursuant
to Rule <FONT STYLE="white-space:nowrap">7a-29</FONT> under the Trust Indenture Act of 1939 (the &#147;Act&#148;). </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the articles of association of The Bank of New York Mellon Trust Company, N.A., formerly known as The
Bank of New York Trust Company, N.A. (Exhibit 1 to Form <FONT STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-121948</FONT> and Exhibit 1 to Form
<FONT STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-152875).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of certificate of authority of the trustee to commence business. (Exhibit 2 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.333-121948).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the authorization of the trustee to exercise corporate trust powers (Exhibit 3 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.333-152875).</FONT> </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 2 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the existing <FONT STYLE="white-space:nowrap">by-laws</FONT> of the trustee (Exhibit 4 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-229762).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The consent of the trustee required by Section&nbsp;321(b) of the Act (Exhibit 6 to Form <FONT
STYLE="white-space:nowrap">T-1</FONT> filed with Registration Statement <FONT STYLE="white-space:nowrap">No.&nbsp;333-152875).</FONT> </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">A copy of the latest report of condition of the Trustee published pursuant to law or to the requirements of its
supervising or examining authority. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 3 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SIGNATURE </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Act, the trustee, The Bank of New York Mellon Trust Company, N.A., a banking association organized and
existing under the laws of the United States of America, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Everett, and State of Massachusetts, on the 9th day
of May, 2025. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">THE&nbsp;BANK&nbsp;OF&nbsp;NEW&nbsp;YORK MELLON TRUST COMPANY, N.A.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Marie A. Hattinger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Marie A. Hattinger</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Vice President</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">- 4 - </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>EXHIBIT 7 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Consolidated Report of Condition of </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">of 333 South Hope Street, Suite 2525, Los Angeles, CA 90071 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the close of business December&nbsp;31, 2024, published in accordance with Federal regulatory authority instructions. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="90%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Dollar&nbsp;amounts<BR>in thousands</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>ASSETS</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash and balances due from depository institutions:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing balances and currency and coin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30,948</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing balances</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">200,909</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Held-to-maturity</FONT></FONT>
securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Available-for-sale</FONT></FONT>
debt securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">98,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity securities with readily determinable fair values not held for trading</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds sold and securities purchased under agreements to resell:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds sold in domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities purchased under agreements to resell</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and lease financing receivables:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for investment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LESS: Allowance for credit losses on loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loans and leases held for investment, net of allowance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trading assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premises and fixed assets (including <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">right-of-use</FONT></FONT> assets)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other real estate owned</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Investments in unconsolidated subsidiaries and associated companies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Direct and indirect investments in real estate ventures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">856,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">105,148</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,301,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="92%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>LIABILITIES</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">In domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noninterest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">967</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Interest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds purchased and securities sold under agreements to repurchase:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal funds purchased in domestic offices</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Trading liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other borrowed money:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(includes mortgage indebtedness)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subordinated notes and debentures</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">264,082</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">265,049</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not applicable</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>EQUITY CAPITAL</U></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Perpetual preferred stock and related surplus</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Surplus (exclude all surplus related to preferred stock)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">107,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not available</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">928,635</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Accumulated other comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Other equity capital components</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Not available</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total bank equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,036,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Noncontrolling (minority) interests in consolidated subsidiaries</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,036,900</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total liabilities and equity capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1,301,949</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I, Shana Quinn, CFO of the above-named bank do hereby declare that the Reports of Condition and Income
(including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true to the best of my knowledge and belief. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="84%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#8195;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Shana&nbsp;Quinn</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">CFO</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We, the undersigned directors (trustees), attest to the correctness of the Report of Condition (including the
supporting schedules) for this report date and declare that it has been examined by us and to the best of our knowledge and belief has been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and is
true and correct. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="63%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">&#8195;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Kevin C. Weeks, President</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Cathleen&nbsp;Sokolowski,&nbsp;Managing&nbsp;Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Directors (Trustees)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Jon M. Pocchia, Senior Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>6
<FILENAME>d942008dexfilingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dei="http://xbrl.sec.gov/dei/2024" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:met="http://www.metlife.com/20250530" xmlns:deprecated="http://www.xbrl.org/2009/arcrole/deprecated" xmlns:country="http://xbrl.sec.gov/country/2024" xmlns:currency="http://xbrl.sec.gov/currency/2024" xmlns:exch="http://xbrl.sec.gov/exch/2024" xmlns:naics="http://xbrl.sec.gov/naics/2024" xmlns:sic="http://xbrl.sec.gov/sic/2024" xmlns:stpr="http://xbrl.sec.gov/stpr/2024" xmlns:us-gaap="http://fasb.org/us-gaap/2024" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:ffd="http://xbrl.sec.gov/ffd/2024q2" xmlns:srt="http://fasb.org/srt/2024" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2022-02-16" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:xbrll="http://www.xbrl.org/2003/linkbase" xmlns="http://www.w3.org/1999/xhtml" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31">
<head>
<title>EX-FILING FEES</title>
<meta content="text/html; charset=UTF-8" http-equiv="Content-Type"/>
</head>
<body style="line-height:normal;background-color:white;">
 <div style="display: none"><ix:header><ix:hidden><ix:nonNumeric name="dei:EntityCentralIndexKey" contextRef="P05_30_2025To05_30_2025" id="ixv-697">0001099219</ix:nonNumeric><ix:nonNumeric name="dei:EntityRegistrantName" id="hidden140780314" contextRef="P05_30_2025To05_30_2025">METLIFE INC</ix:nonNumeric><ix:nonNumeric name="ffd:SubmissnTp" contextRef="P05_30_2025To05_30_2025" id="ixv-699">S-3ASR</ix:nonNumeric><ix:nonNumeric name="ffd:FeeExhibitTp" id="hidden140780317" contextRef="P05_30_2025To05_30_2025">EX-FILING FEES</ix:nonNumeric><ix:nonNumeric name="ffd:OfferingSctyTitl" id="hidden140780354" contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis">Preferred Stock of MetLife, Inc., par value $0.01</ix:nonNumeric><ix:nonNumeric name="ffd:OfferingSctyTitl" id="hidden140780365" contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis">Warrants of MetLife, Inc.</ix:nonNumeric><ix:nonFraction name="ffd:TtlOfferingAmt" id="hidden140780363" contextRef="P05_30_2025To05_30_2025" unitRef="Unit_USD" decimals="0">0</ix:nonFraction><ix:nonFraction name="ffd:TtlPrevslyPdAmt" id="hidden140780477" contextRef="P05_30_2025To05_30_2025" unitRef="Unit_USD" decimals="0">0</ix:nonFraction><ix:nonFraction name="ffd:TtlFeeAmt" contextRef="P05_30_2025To05_30_2025" unitRef="Unit_USD" decimals="0" id="ixv-705">0</ix:nonFraction><ix:nonFraction name="ffd:TtlOffsetAmt" id="hidden140780478" contextRef="P05_30_2025To05_30_2025" unitRef="Unit_USD" decimals="0">0</ix:nonFraction></ix:hidden><ix:references><link:schemaRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/ffd/2024q2/ffd-2024q2.xsd"/></ix:references><ix:resources><xbrli:context id="P05_30_2025To05_30_2025"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>1</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>2</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>3</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>4</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>5</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>6</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:context id="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001099219</xbrli:identifier> <xbrli:segment> <xbrldi:typedMember dimension="ffd:OfferingAxis"> <dei:lineNo>7</dei:lineNo> </xbrldi:typedMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2025-05-30</xbrli:startDate> <xbrli:endDate>2025-05-30</xbrli:endDate> </xbrli:period> </xbrli:context><xbrli:unit id="Unit_USD"> <xbrli:measure>iso4217:USD</xbrli:measure> </xbrli:unit></ix:resources></ix:header></div><div><div><div style="line-height:normal;display: inline;"><div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: right;"><div style="font-weight:bold;display:inline;">Exhibit 107 </div></div><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center;"><div style="font-weight:bold;display:inline;">Calculation of Filing Fee Table </div></div><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center;"><div style="font-weight:bold;display:inline;">FORM <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><ix:nonNumeric name="ffd:FormTp" contextRef="P05_30_2025To05_30_2025" id="ixv-781">S-3</ix:nonNumeric></div> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">(Form Type) </div><div style="margin-top: 12pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center;"><div style="font-weight:bold;display:inline;"><div style="-sec-ix-hidden:hidden140780314;display:inline;">MetLife, Inc.</div> </div></div><div style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">(Exact Name of Registrant as Specified in its Charter) </div><div style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center"><div style="text-decoration: underline; letter-spacing: 0px; top: 0px;display:inline;">Table 1: Newly Registered and Carry Forward Securities </div></div><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</div>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:99%;border-spacing:0;margin:0 auto">
<tr>
<td style="width:13%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:10%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:10%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:3%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:7%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:6%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:5%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:7%"/></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom">&#160;&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Security<br/> Type</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Security</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Class</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Title</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Fee</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Calculation</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">or Carry</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Forward</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 7pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Rule</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Amount<br/> Registered</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Proposed<br/> &#8201;Maximum&#8201;<br/> Offering<br/> Price Per<br/> Unit</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Maximum<br/> Aggregate<br/> Offering<br/> Price</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Fee<br/> Rate</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Amount of<br/> &#8201;Registration&#8201;<br/> Fee</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Carry<br/> Forward&#8201;&#8201;<br/> Form<br/> Type</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Carry<br/> Forward&#8201;&#8201;<br/> File<br/> Number</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Carry<br/> Forward<br/> Initial<br/> Effective<br/> Date</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Filing Fee<br/> Previously<br/> Paid In<br/> Connection<br/> with&#160;Unsold<br/> Securities&#160;to&#8201;<br/> be Carried<br/> Forward</div></div></td></tr>
<tr style="font-size:1pt">
<td colspan="25" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="25" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Newly Registered Securities</div></div></td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-782"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-783"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-784"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-785"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-786"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-787"><ix:nonNumeric name="ffd:PrevslyPdFlg" contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis" format="ixt:fixed-false" id="ixv-788">Fees to be</ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Paid</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">&#8201;<ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis" id="ixv-789">Equity</ix:nonNumeric>&#8201;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis" id="ixv-790">Common Stock of MetLife, Inc., par value $0.01 per share</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule&#160;456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-791">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis" id="ixv-792">Equity</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="-sec-ix-hidden:hidden140780354;display:inline;">Preferred Stock of MetLife</div>,</div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;">Inc., par value $0.01&#160;(1)</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule 456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-793">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis" id="ixv-794">Debt</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis" id="ixv-795">Debt Securities of MetLife, Inc.</ix:nonNumeric>&#160;(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule 456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-796">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis" id="ixv-797">Other</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">&#8201;<div style="-sec-ix-hidden:hidden140780365;display:inline;">Warrants&#160;of&#8201; MetLife, Inc.</div>&#160;(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule 456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-798">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis" id="ixv-799">Other</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis" id="ixv-800">Purchase Contracts of MetLife, Inc.</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">&#8201;Rule&#160;456(b)&#8201; and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-801">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis" id="ixv-802">Equity</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis" id="ixv-803">Depositary Shares of MetLife, Inc.</ix:nonNumeric>&#160;(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule 456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-804">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="border-left: 0.75pt solid rgb(0, 0, 0); padding-left: 8pt; vertical-align: top; padding-bottom: 0.375pt;">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTp" contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis" id="ixv-805">Other</ix:nonNumeric></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center"><ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis" id="ixv-806">Units of MetLife, Inc., par value $0.01</ix:nonNumeric> (1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">Rule 456(b) and <ix:nonNumeric name="ffd:Rule457rFlg" contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis" format="ixt:fixed-true" id="ixv-807">Rule 457(r)</ix:nonNumeric>(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(2)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:top;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Fees</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Previously</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Paid</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td colspan="25" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="25" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000; padding-left:8pt; padding-right:2pt;vertical-align:bottom;text-align:center"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Carry Forward Securities</div></div></td></tr>
<tr style="font-size:1pt">
<td style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:center"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Carry</div></div><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Forward</div></div><div style="margin-top: 0pt; margin-bottom: 1pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: center; line-height: normal;"><div style="font-weight:bold;display:inline;">Securities</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">N/A</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:top;text-align:center">N/A</td></tr>
<tr style="font-size:1pt">
<td colspan="9" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="9" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Total Offering Amounts&#8201;</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center"><div style="-sec-ix-hidden:hidden140780363;display:inline;">N/A</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td colspan="9" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="9" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Total Fees Previously Paid&#8201;</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center"><div style="-sec-ix-hidden:hidden140780477;display:inline;">N/A</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td colspan="9" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="9" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Total Fee Offsets&#8201;</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;vertical-align:top;text-align:center"><div style="-sec-ix-hidden:hidden140780478;display:inline;">N/A</div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style=" BORDER-LEFT:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr>
<tr style="font-size:1pt">
<td colspan="9" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; padding-left:8pt;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000;height:0.75pt">&#160;</td>
<td colspan="2" style="BORDER-LEFT:0.75pt solid #000000; BORDER-TOP:0.75pt solid #000000; BORDER-RIGHT:0.75pt solid #000000;height:0.75pt">&#160;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td colspan="9" style="padding-bottom:1pt ;BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-left:8pt;vertical-align:bottom;text-align:right"><div style="letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bold;display:inline;">Net Fee Due&#8201;</div></div></td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="padding-bottom:1pt ;BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top;text-align:center">(1)</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:top">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style=" BORDER-LEFT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000;vertical-align:bottom">&#160;</td>
<td style="BORDER-RIGHT:0.75pt solid #000000; BORDER-BOTTOM:0.75pt solid #000000; padding-right:2pt;vertical-align:bottom">&#160;</td></tr></table><div style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</div><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis" escape="true" id="ixv-675"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis" escape="true" id="ixv-676"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis" escape="true" id="ixv-677"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis" escape="true" id="ixv-678"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis" escape="true" id="ixv-679"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis" escape="true" id="ixv-680"><ix:nonNumeric name="ffd:OfferingNote" contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis" escape="true" id="ixv-681">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></ix:nonNumeric></div></div></div></div></div>
</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>g942008g0407225304114.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g942008g0407225304114.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  7 4L# 2(  A$! Q$!_\0
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M[61M._LRW>6QMY.6NV/WF!Z8&!QUXKTG4;^#2M,NM0NFV6]M$TTC>BJ,G^5
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M(=>^'=_:QX\]'BEB).,,' _D34WCWP_%>?"K5=(B *P6.8L^L0#+_P"@T44
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A?CVS6ZW@3PQ)))+/HUM<32.SO+,NYW8DDDD_6BB@#__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g942008g08g08.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g942008g08g08.jpg
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M=).4L;,S-E9B=9+2.$-3P<,8)"4THJ,F1(.TPN'P8__$ !H! 0$! 0$! 0
M           !!@4#! ?_Q  O$0$  0$#"@<!  ,!         0,"!%(%!A$4
M%3-1<9'!$R$Q,H&AL1(B06'1_]H # ,!  (1 Q$ /P"O$1%MF%$1$!$1 1$0
M$1$$NT?G6B_3,_:"OQ4':/SK1?IF?M!7XOS_ #TWE'E/9V,E^VU\"(BQ#JB[
M_3'YDIOUOVBN 7?Z8_,E-^M^T5V<B;^UR[P]:7JVB(BU#Z!$1 1$0$1$!$1
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M-WCON'0  <@$'6(BX3:<=<"6S?@&*8L[8\;VNY]7ENYWOXOUL[O/IA!W:(B
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ME-54Q#9Z:0@EF<X((Z@X//ETZ*K-OVRN^W[4_P!/Z=@%<V>-D<\ >UKV.:,
MC>(!! '3GE=+[/.SJYZ-I;C7WYK8:VN#&-IFO#NS8W)RXCEDD]!TQ\>15Q(B
M(@B(@(B("BW3\V5GZ%_[)4I1;I^;*S]"_P#9*"AO9*GBALVH1++&PFHBQO.
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MCQ('@==QP SXXQT.1E:RX;8J.CUU2Z>J;36443@Y\U56CLBUH8YP+6#)=G
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M=EJ;/H?1^NK.-RII:J:*=P'>VID=&X_#JT_JA?56E[U3:BT];[O1'\A5PME
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MI97OB;)*"2&B.,@=?$GU178^T3J:T4>SZXVF:I@FN-;N1PTS7!SP0\.+B.X
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M [I( RTCN^\_3B(*VT=<M0ZWN=)=KS9I+#9*$F6GI97%TU5,6EH>[(&&-!)
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M?1-71F"2KKZ8TS(V.Y.QOD9)!(YXQGO6ZV,;/OP&TQ/35[XY[C7.$E46<V
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M#B 23VI&#GYK@=MH!V]Z#!'(NH__ -TY6QL=_@PTU_4F*J-MG\/F@OZ5'_\
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MNEW1C?/8RC)_Y6^BGWJXW.Y>T(RAMXHGOM-L+J>.M<X1A[]TO>-T$[VZX#[
MBNIJMJMGMMQIZ6_VZ]61M0<15%?2[D3OU@XX^\<N_"Z'5&L+%I>A;5WNXPT\
M3V[T8&7ND'BUK<DCISZ<UQNT32.J];Z<=::XZ>@;VK96RL=,YS'-\,M[P2/O
M7G45CJ[%[/\ <K1=ZB*LJJ.W/C,K,[I#7$LQGGR&Z/N1&U?M7TVW3=%>,UCQ
M6[YIZ..'?J'M8\M+MP$X&6GF2!]ZV6@-?637--426629LM.0)J>H9N2,ST.
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M$U< K&5TDA@+P'[I8SWL=<<CS^!5R&BI3&V,TT!C:<AIC& ?L2*AI8G;T5+
MQW3+8P"@^?\ 4%]M8]IZRUGTA2FDBIQ#).)1N->8I  79QU<WU6?;727;2FO
M;7M$L$7$T@C;'4[OO-Y M]['\5S" #W$?8KV^C:'^1TW]DW]RD=FSLNSW&]G
MC=W<<L>&/!%5%0[>K#<J:&*V6N[5-YGPR*@9$"72'NW\XW?CX=RV>T>I?:=C
M5U@U%7PFZU%&_?!>/>E>[)8P'F6M+MT? !=[;[+:K=,^:WVRAI97_6?! QCG
M?:0.:E3TT%009X(I<=-]@=CU1%8^SM=:!VRNVP<;3B>E[;MHS( Z,=JXY<,\
MA@@Y^*XO1=\M8]I34M4:^F%+44[X8IC( Q[P(L@.S@_4=Z*_V4-)'O;E+ W>
M&Z[$8&1X%>?HVA_D=-_9-_<@I#VBI#:M;:#OE3')]'TE3F61K<[N[(QQ'VX!
M('?@JW]+:DHM3T\U7:!++;FD-CJG,+&S._C;H< 2!R&<8SD=RVM5305<+H:J
M&.:)W5DC0YI^XK)&QL;&LC:&L:,!K1@ >"#TOG79W?:"R[?-:LNE0RFBJYI8
MHYI#NL#^UR&EW09 .,^&%]%*@-E+:2MVW[0Z>H9#40RNES'( ]KP)AGD>10=
M)MPND>H+#%H_3LD5PO%UFC!B@>'B&)K@XR/(SNMR&]?CX+KJB"@T;LW-#454
M45/16\P"21P;VCA&>F>\G)Q\5T%MM5NM;7-ME!24;7\W"GA;&#]NZ I$\$4[
M0V>*.5H.0'M!&?O04E[*%QHQHRX6\U4(KOI%\H@+P'EIBCP0.I'NN]%H-E^L
MK?I3:!K1NNY9*6[551[M3+&Y_)KG>X, D @M(QR( ^"^B8J*EAD#XJ:!CQT<
MV, C[UXFMU%/5QU4]'325,?U)7Q-+V_8XC(0?.NI]3P4_M!Z?OUPI*VAMQI0
M(S/ >TD86RL:\1C+AEQY C/P73>TVRIN6S*V5S*.>)K*V.66.1OOQ-<QX&^!
MG',@'XE71+24\T\4\M/$^:+/9R.8"YF>N#U"R21LEC='*QKV.&'-<,@CP(0<
MCHC7-HU+01OM3Y'TM/3-=4U,C#''"_ _)DNQEW4G&0,=>8526S4=I/M05];]
M(4W!20\,RH[0=FYXA8,;W3JTC[5]"Q4E-#3"GAIX8Z<#'9-8 W'V=%C^C:'^
M1TW]DW]R"OMN>DY-;Z#S9BRIK:.3B:<1N!$H (<P'Q(/+X@!8]D>T2TW+1])
M27BX4]ON]NB%-50U<@B=E@W=_P!XC.0.?@<JS8HV1,#(F-8P=&M& % K;#:*
MZI%16VJ@J:@=)9J=CW>I&4%5Z8MGX:;9JO6<+'&PVV(4U#.YN!4R!I:7-SU:
M-Y_/[/BN<VR7ZULVU:)GXZG=#0OB-2]D@<(?RV?>(Z8'/[%]#L:UC0U@#6@8
M  P %'-NHB231TY)YDF)O[D'ZRNI'T7&,JH'4F-[MQ("S'CO9PJ!V1WNV';G
MK:8U],V&K,O#R.D ;+B4?5/0\N?+N7T$*>$0=B(8Q#Y-T;OHL0MU$""*.F!'
M_P#R;^Y!17M7W*B?:+)1,JH7U<=6Z1\+7@O:T,QDCJ.HZJY9M06?\'WW+Z4H
MN [,_E^V;N?5SC.>N.[JMC)0TDKR^2E@>\]7.C!)7[P5+V79\+!V>=[=[,8S
MXX\4%%^R9<:1NGKO0/J86UCJP2MA+P'N:8P,@=2/=*ZNU;9;17;0Y=*OH:F!
MPJ'4D=4]PW7RM)&"WJ 2" >?=R"LF*BI87A\5- QXZ.;& 0N+N%CAU%JJWST
MUI9245OK!6U%;)3B*2KG8'-8UN0'%H))+CR. !GF0'>(B("(B B(@(B("(B
MB(@(B("(B B(@(B("(B B(@(B("(B B(@(B("(B B(@(B("(B B(@(B("(B
MB(@(B("(B B(@+T.B\KT.B#XC17)^(2\?SO;_P#E?^Y/Q"7C^=[?_P K_P!R
MU6OW?$R.S[S@4VBN3\0EX_G>W_\ *_\ <GXA+Q_.]O\ ^5_[DU^[XC9]YP*;
M17)^(2\?SO;_ /E?^Y/Q"7C^=[?_ ,K_ -R:_=\1L^\X%-HKD_$)>/YWM_\
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MG=:ZHE#-X^ SU^Y2+9<*.Z4<=7;:N"KI7_5E@D#VG[POE3VHXKDW:&R2L$G
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M0-]I[3$38(A$:/)8&#=/NS]RZK;O>9;-IFVVFUM=#)>:UE([AR&.[(_7#3R
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M,U9"/JEWN]F3X?Q\$\LD+9_3.E-K%JI8[76P?25)415<44XW)X7,>'.]WO!
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M^&Z,9\6E%>MM%1+=HJ/2%#(YLE>Q]76O;UCI(AO'[-YP#1]ZY+V1V@:>U [
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M6OU#HO3^HYVS7RW,K7M^KVLCRUO+')N<#[@LU/I:T4]I=:X*:2.@./R+:B0
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MVKJ9+0*N7%#!(Z(2O]W+I7 [SN[ ! ',G/<%_0S1SQA\$C)&'HYC@1ZA>R0
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M2$&F=')"P0X=O#= B[CWG)7=4<+X*:.*6HEJ7M&#-*&AS_B=T >@"#,J(]G
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M3&!P!&<F,N/4]2>JE0:/CCTE/IU]WN<]!)3BE:Z7L3)'%C=W6GL\'(Y9<"?
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F 1$0$1$!$1 1$0$1$!$1 1$0$1$!$1 1$0$1$!>AT7E>AT0?_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>May 30, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0001099219<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">METLIFE INC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">S-3ASR<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeeExhibitTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:feeExhibitTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FormTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_SubmissionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_SubmissnTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissnTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Offerings<br></strong></div></th>
<th class="th"><div>May 30, 2025</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=1', window );">Offering: 1</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Common Stock of MetLife, Inc., par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=2', window );">Offering: 2</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Preferred Stock of MetLife, Inc., par value $0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=3', window );">Offering: 3</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Debt<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Debt Securities of MetLife, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=4', window );">Offering: 4</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Other<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Warrants of MetLife, Inc.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=5', window );">Offering: 5</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Other<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Purchase Contracts of MetLife, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=6', window );">Offering: 6</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Depositary Shares of MetLife, Inc.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=7', window );">Offering: 7</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_Rule457rFlg', window );">Rule 457(r)</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Other<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Units of MetLife, Inc., par value $0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(1)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay <div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"><div style="white-space:nowrap;display:inline;"><div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;">&#8220;pay-as-you-go</div></div></div> registration fees&#8221; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. </div></td></tr></table>
<table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%">
<tr style="page-break-inside:avoid">
<td style="width:4%;vertical-align:top;text-align:left">(2)</td>
<td style="vertical-align:top;text-align:left"><div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &quot;Times New Roman&quot;; text-align: left; line-height: normal;">An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. </div></td></tr></table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingNote">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingNote</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingSctyTitl">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The title of the class of securities being registered (for each class being registered).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTitl</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingSctyTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type of securities: "Asset-backed Securities", "ADRs/ADSs", "Debt", "Debt Convertible into Equity", "Equity", "Face Amount Certificates", "Limited Partnership Interests", "Mortgage Backed Securities", "Non-Convertible Debt", "Unallocated (Universal) Shelf", "Exchange Traded Vehicle Securities", "Other"</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:securityTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_PrevslyPdFlg">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_PrevslyPdFlg</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_Rule457rFlg">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 457<br> -Subsection r<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_Rule457rFlg</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=3">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=3</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=4">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=4</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=5">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=5</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=6">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=6</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=7">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=7</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.25.1</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fees Summary<br></strong></div></th>
<th class="th">
<div>May 30, 2025 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOfferingAmt', window );">Total Offering</a></td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlPrevslyPdAmt', window );">Previously Paid Amount</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlFeeAmt', window );">Total Fee Amount</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOffsetAmt', window );">Total Offset Amount</a></td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesSummaryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeesSummaryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlFeeAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlFeeAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlOfferingAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOfferingAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlOffsetAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOffsetAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlPrevslyPdAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlPrevslyPdAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>13
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
M4$L#!!0    ( ":(L%I&QTU(E0   ,T    0    9&]C4')O<',O87!P+GAM
M;$W/30O", P&X+]2=K>9BAZD#D0]BIZ\SRYUA;8I;83Z[^T$/VYY><@;HBZ)
M(B:VF$7Q+N1M,S+'#4#6(_H^R\JABJ'D>ZXQW8&,L1H/I!\> \.B;=> A3$,
M.,SBM[#IU"Y&9W7/ED)WLCI1)L/B6#0ZL2<?J]P<"A#G>B4^BQ-+.9<K!?^+
M4\L54Y[FRF_\9 6_![H74$L#!!0    ( ":(L%KU@!%([@   "L"   1
M9&]C4')O<',O8V]R92YX;6S-DL%JPS ,AE]E^)[(=FD/)LVE8Z<-!BML[&9D
MM36+$V-K)'W[)5F;,K8'V-'2[T^?0!5&@UVBY]1%2NPIWPVA:;/!N!4GYF@
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MM5II ,,X?<D3$L/<@HL(2W@4R]9<X%L:+R/6ZK3;W5:$:6RA&$=D8'U>+&A
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M=S1,&WA@/,#T>[G&=QNOD*?K -O3IRH$6RE>B=A*\5P#XLX;>,2Q>[<Q'O#
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M':5_'<?VD-/IKV,BM'I;Z/EQ:%0*CMQC)8QQ8K3^-8+)#^Q^ %!+ P04
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M'[=_V,=;".UO7[E^%4X9?^3+X5U;?0!02P$"% ,4    "  FB+!:1L=-2)4
M  #-    $               @ $     9&]C4')O<',O87!P+GAM;%!+ 0(4
M Q0    ( ":(L%KU@!%([@   "L"   1              "  <,   !D;V-0
M<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    ( ":(L%J97)PC$ 8  )PG   3
M          "  > !  !X;"]T:&5M92]T:&5M93$N>&UL4$L! A0#%     @
M)HBP6B3/.39# @  *@8  !@              ("!(0@  'AL+W=O<FMS:&5E
M=',O<VAE970Q+GAM;%!+ 0(4 Q0    ( ":(L%K/ID,^D@8  )\Z   8
M          " @9H*  !X;"]W;W)K<VAE971S+W-H965T,BYX;6Q02P$"% ,4
M    "  FB+!:T/,YXAD"  !4!0  &               @(%B$0  >&PO=V]R
M:W-H965T<R]S:&5E=#,N>&UL4$L! A0#%     @ )HBP6K+WPF_N @  B0X
M  T              ( !L1,  'AL+W-T>6QE<RYX;6Q02P$"% ,4    "  F
MB+!:EXJ[',     3 @  "P              @ '*%@  7W)E;',O+G)E;'-0
M2P$"% ,4    "  FB+!:4G%OM5T!  !( P  #P              @ &S%P
M>&PO=V]R:V)O;VLN>&UL4$L! A0#%     @ )HBP6KMLZNRZ    &@,  !H
M             ( !/1D  'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS4$L!
M A0#%     @ )HBP6J;\2ELC 0  WP0  !,              ( !+QH  %M#
G;VYT96YT7U1Y<&5S72YX;6Q02P4&      L "P#* @  @QL

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
.report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

.report table.authRefData a {
	display: block;
	font-weight: bold;
}

.report table.authRefData p {
	margin-top: 0px;
}

.report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

.report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

.report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

.report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
.pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
.report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

.report hr {
	border: 1px solid #acf;
}

/* Top labels */
.report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

.report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

.report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

.report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

.report td.pl div.a {
	width: 200px;
}

.report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
.report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
.report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
.report .re, .report .reu {
	background-color: #def;
}

.report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
.report .ro, .report .rou {
	background-color: white;
}

.report .rou td {
	border-bottom: 1px solid black;
}

.report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
.report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
.report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

.report .nump {
	padding-left: 2em;
}

.report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
.report .text {
	text-align: left;
	white-space: normal;
}

.report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

.report .text .more {
	display: none;
}

.report .text .note {
	font-style: italic;
	font-weight: bold;
}

.report .text .small {
	width: 10em;
}

.report sup {
	font-style: italic;
}

.report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.25.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>8</ContextCount>
  <ElementCount>14</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>1</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>1</UnitCount>
  <MyReports>
    <Report instance="d942008dexfilingfees.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>995210 - Document - Submission</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ffd/role/document/submissionTable</Role>
      <ShortName>Submission</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report instance="d942008dexfilingfees.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>995211 - Document - Offerings</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ffd/role/document/feesOfferingTable</Role>
      <ShortName>Offerings</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>2</Position>
    </Report>
    <Report instance="d942008dexfilingfees.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R3.htm</HtmlFileName>
      <LongName>995215 - Document - Fees Summary</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ffd/role/document/feesSummaryTable</Role>
      <ShortName>Fees Summary</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>3</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="EX-FILING FEES" original="d942008dexfilingfees.htm">d942008dexfilingfees.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="2">http://xbrl.sec.gov/dei/2024</BaseTaxonomy>
    <BaseTaxonomy items="42">http://xbrl.sec.gov/ffd/2024q2</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>false</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>19
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "d942008dexfilingfees.htm": {
   "dts": {
    "inline": {
     "local": [
      "d942008dexfilingfees.htm"
     ]
    },
    "schema": {
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/lrr/arcrole/deprecated-2009-12-16.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.sec.gov/dei/2024/dei-2024.xsd",
      "https://xbrl.sec.gov/ffd/2024q2/ffd-2024q2.xsd"
     ]
    }
   },
   "keyStandard": 14,
   "keyCustom": 0,
   "axisStandard": 1,
   "axisCustom": 0,
   "memberStandard": 1,
   "memberCustom": 0,
   "hidden": {
    "total": 10,
    "http://xbrl.sec.gov/dei/2024": 2,
    "http://xbrl.sec.gov/ffd/2024q2": 8
   },
   "contextCount": 8,
   "entityCount": 1,
   "segmentCount": 1,
   "elementCount": 107,
   "unitCount": 1,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/ffd/2024q2": 42,
    "http://xbrl.sec.gov/dei/2024": 2
   },
   "report": {
    "R1": {
     "role": "http://xbrl.sec.gov/ffd/role/document/submissionTable",
     "longName": "995210 - Document - Submission",
     "shortName": "Submission",
     "isDefault": "true",
     "groupType": "Fee_Exhibit",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "P05_30_2025To05_30_2025",
      "name": "ffd:FormTp",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d942008dexfilingfees.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "P05_30_2025To05_30_2025",
      "name": "ffd:FormTp",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d942008dexfilingfees.htm",
      "first": true,
      "unique": true
     }
    },
    "R2": {
     "role": "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
     "longName": "995211 - Document - Offerings",
     "shortName": "Offerings",
     "isDefault": "false",
     "groupType": "Fee_Exhibit",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "2",
     "firstAnchor": {
      "contextRef": "P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis",
      "name": "ffd:PrevslyPdFlg",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d942008dexfilingfees.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis",
      "name": "ffd:PrevslyPdFlg",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "div",
       "div",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d942008dexfilingfees.htm",
      "first": true,
      "unique": true
     }
    },
    "R3": {
     "role": "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable",
     "longName": "995215 - Document - Fees Summary",
     "shortName": "Fees Summary",
     "isDefault": "false",
     "groupType": "Fee_Exhibit",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "3",
     "firstAnchor": null,
     "uniqueAnchor": null
    }
   },
   "tag": {
    "ffd_AggtRedRpPricFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AggtRedRpPricFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Redeemed or Repurchased Price, Fiscal Year",
        "terseLabel": "Aggregate Redeemed or Repurchased, FY"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AggtRedRpPricPrrFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AggtRedRpPricPrrFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Redeemed or Repurchased Price, Prior Fiscal Year",
        "terseLabel": "Aggregate Redeemed or Repurchased, Prior FY"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AggtSalesPricFsclYr": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AggtSalesPricFsclYr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Aggregate Sales Price, Fiscal Year",
        "terseLabel": "Aggregate Sales Price"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AmtRedCdts": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AmtRedCdts",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Redemption Credits",
        "terseLabel": "Redemption Credits"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_AmtSctiesRcvd": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AmtSctiesRcvd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Securities Received",
        "terseLabel": "Amount of Securities Received",
        "documentation": "Amount of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form)"
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_AmtSctiesRegd": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "AmtSctiesRegd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amount of Securities Registered",
        "terseLabel": "Amount Registered",
        "documentation": "The amount of securities being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CeasedOprsDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CeasedOprsDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Ceased Operations Date",
        "terseLabel": "Ceased Operations Date"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_CfwdFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CfwdFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Form Type",
        "terseLabel": "Carry Forward Form Type",
        "documentation": "The Form Type of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6). This should be an EDGAR submission type (S-3, S-3/A, S-3ASR, etc.), which means there is a fixed set of possible responses. Note that while the XBRL response should be an EDGAR submission type, the human-readable Ex. 107 could include a simpler label (e.g., \"Form S-3\" in the human-readable and \"S-3ASR\" in the XBRL)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrevslyPdFee": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CfwdPrevslyPdFee",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Previously Paid Fee",
        "terseLabel": "Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward",
        "documentation": "The fee previously paid in connection with the securities being brought forward from the prior shelf registration statement on which unsold securities are carried forward under 415(a)(6)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrrFctvDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CfwdPrrFctvDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward Prior Effective Date",
        "terseLabel": "Carry Forward Initial Effective Date",
        "documentation": "The initial effective date of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6)."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CfwdPrrFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CfwdPrrFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Carry Forward File Number",
        "terseLabel": "Carry Forward File Number",
        "documentation": "The EDGAR File Number of the prior shelf registration statement from which unsold securities are carried forward under 415(a)(6). If the prior registration statement has a Securities Act File Number and an Investment Company Act File Number, the Securities Act File Number should be used."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_CmbndPrspctsItemAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CmbndPrspctsItemAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus Item [Axis]",
        "terseLabel": "Combined Prospectus",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different references to earlier prospectuses on a single fee bearing submission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CmbndPrspctsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CmbndPrspctsLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus [Line Items]",
        "terseLabel": "Combined Prospectus:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CmbndPrspctsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CmbndPrspctsTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus [Table]",
        "terseLabel": "Combined Prospectus Table"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_CombinedProspectusTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CombinedProspectusTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Combined Prospectus Table [N/A]",
        "terseLabel": "Combined Prospectus Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_CshPdByRegistrantInTx": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CshPdByRegistrantInTx",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cash Paid by Registrant in Transaction",
        "terseLabel": "Cash Consideration Paid",
        "documentation": "Amount of cash consideration paid by registrant in connection with the exchange or other transaction being registered (in a 457(f) calculation)."
       }
      }
     },
     "auth_ref": [
      "r12"
     ]
    },
    "ffd_CshRcvdByRegistrantInTx": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "CshRcvdByRegistrantInTx",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Cash Received by Registrant in Transaction",
        "terseLabel": "Cash Consideration Received",
        "documentation": "Amount of cash consideration received by registrant in connection with the exchange or other transaction being registered (in a 457(f) calculation)."
       }
      }
     },
     "auth_ref": [
      "r12"
     ]
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "terseLabel": "Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2024",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "terseLabel": "Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "ffd_FeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Amount",
        "terseLabel": "Amount of Registration Fee",
        "documentation": "Total amount of registration fee (amount due after offsets)."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeExhibitTp": {
     "xbrltype": "feeExhibitTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeExhibitTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Exhibit Type",
        "terseLabel": "Fee Exhibit Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_FeeIntrstAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeIntrstAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Interest Amount",
        "terseLabel": "Interest Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Note",
        "terseLabel": "Fee Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeNoteMaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeNoteMaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Note Maximum Aggregate Offering Price",
        "terseLabel": "Fee Note MAOP"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeeRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeeRate",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Rate",
        "terseLabel": "Fee Rate",
        "documentation": "The rate per dollar of fees that public companies and other issuers pay to register their securities with the Commission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeesOthrRuleFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeesOthrRuleFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fees, Other Rule [Flag]",
        "terseLabel": "Other Rule",
        "documentation": "Checkbox indicating whether filer is using a rule other than 457(a), 457(o), or 457(f) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FeesSummaryLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FeesSummaryLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Fees Summary [Line Items]",
        "terseLabel": "Fees Summary:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FnlPrspctsFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FnlPrspctsFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Final Prospectus [Flag]",
        "terseLabel": "Final Prospectus"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_FormTp": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "FormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Form Type",
        "terseLabel": "Form Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_GnlInstrIIhiFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "GnlInstrIIhiFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "General Instruction II.H,I [Flag]",
        "terseLabel": "General Instruction II.H,I"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrCity": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrBizAdrCity",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, City",
        "terseLabel": "City"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStatOrCtryCd": {
     "xbrltype": "stateOrCountryCodeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrBizAdrStatOrCtryCd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, State or Country Code",
        "terseLabel": "State or Country Code"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStrt1": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrBizAdrStrt1",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Street 1",
        "terseLabel": "Street 1"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrStrt2": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrBizAdrStrt2",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Street 2",
        "terseLabel": "Street 2"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrBizAdrZipCd": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrBizAdrZipCd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Business Address, Zip Code",
        "terseLabel": "Zip Code"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_IssrNm": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "IssrNm",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Issuer Name",
        "terseLabel": "Issuer Name"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_MaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "MaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Maximum Aggregate Offering Price",
        "terseLabel": "Maximum Aggregate Offering Price",
        "documentation": "The maximum aggregate offering price for the offering that is being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_MaxOfferingPricPerScty": {
     "xbrltype": "nonNegativeDecimal4lItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "MaxOfferingPricPerScty",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Maximum Offering Price per Security",
        "terseLabel": "Proposed Maximum Offering Price per Unit",
        "documentation": "The maximum offering price per share/unit being registered."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NetFeeAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "NetFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Net Fee Amount",
        "terseLabel": "Net Fee"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NetSalesAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "NetSalesAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Net Sales Amount",
        "terseLabel": "Net Sales"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvDsclsr": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "NrrtvDsclsr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure",
        "terseLabel": "Narrative Disclosure"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvMaxAggtAmt": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "NrrtvMaxAggtAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure, Maximum Aggregate Offering Amount",
        "terseLabel": "Narrative - Max Aggregate Offering Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_NrrtvMaxAggtOfferingPric": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "NrrtvMaxAggtOfferingPric",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Narrative Disclosure, Maximum Aggregate Offering Price",
        "terseLabel": "Narrative - Max Aggregate Offering Price"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Axis]",
        "terseLabel": "Offering",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different security offerings on a single fee bearing submission."
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Line Items]",
        "terseLabel": "Offering:"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Note",
        "terseLabel": "Offering Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingSctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingSctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Security Title",
        "terseLabel": "Security Class Title",
        "documentation": "The title of the class of securities being registered (for each class being registered)."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingSctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingSctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Security Type",
        "terseLabel": "Security Type",
        "documentation": "Type of securities: \"Asset-backed Securities\", \"ADRs/ADSs\", \"Debt\", \"Debt Convertible into Equity\", \"Equity\", \"Face Amount Certificates\", \"Limited Partnership Interests\", \"Mortgage Backed Securities\", \"Non-Convertible Debt\", \"Unallocated (Universal) Shelf\", \"Exchange Traded Vehicle Securities\", \"Other\""
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OfferingTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering [Table]",
        "terseLabel": "Offering:"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OfferingTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OfferingTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offering Table [N/A]",
        "terseLabel": "Offering Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_OffsetAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset [Axis]",
        "terseLabel": "Offset",
        "documentation": "A sequence number (1, 2, 3...) used to distinguish different offsets as applied to a fee bearing submission."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetClmInitlFilgDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetClmInitlFilgDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claim Initial Filing Date",
        "terseLabel": "Initial Filing Date",
        "documentation": "The initial filing date of the earlier registration statement with which the earlier (offsetting) fee was paid for a claimed offset. If the offset fee was paid with an amendment, do not provide the amendment date under this element; instead, provide the date of the initial filing (i.e. the \"parent\" filing) ."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetClmdAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetClmdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claimed Amount",
        "terseLabel": "Fee Offset Claimed",
        "documentation": "The amount of offsetting fees being claimed."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetClmdInd": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetClmdInd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Claimed Indicator",
        "terseLabel": "Offset Claimed"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetExpltnForClmdAmt": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetExpltnForClmdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Explanation for Claimed Amount",
        "terseLabel": "Explanation for Claimed Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetLineItems",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offset:",
        "label": "Offset [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Note",
        "terseLabel": "Offset Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetPrrFeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Fee Amount",
        "terseLabel": "Fee Paid with Fee Offset Source",
        "documentation": "The fee prevoiusly paid from which an offset is being derived."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior File Number",
        "terseLabel": "File Number",
        "documentation": "The EDGAR File Number of the earlier registration statement with which the earlier (offsetting) fee was paid. If the offset filing for the offset has a Securities Act File Number and an Investment Company Act File Number, the Securities Act File Number should be used."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFilerNm": {
     "xbrltype": "filerNameItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrFilerNm",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Filer Name",
        "terseLabel": "Registrant or Filer Name",
        "documentation": "The name of the registrant that filed the earlier registration statement with which the earlier (offsetting) fee was paid."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Form Type",
        "terseLabel": "Form or Filing Type",
        "documentation": "The Form Type of the offset filing."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrNbOfUnsoldScties": {
     "xbrltype": "nonNegativeIntegerItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrNbOfUnsoldScties",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Unsold Number of Securities",
        "terseLabel": "Unsold Securities Associated with Fee Offset Claimed",
        "documentation": "The number of unsold securities registered on the prior registration statement that are associated with the claimed offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrSctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrSctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Security Title",
        "terseLabel": "Security Title Associated with Fee Offset Claimed",
        "documentation": "The title of the class of securities from which offset fees were derived."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrSctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrSctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Security Type",
        "terseLabel": "Security Type Associated with Fee Offset Claimed",
        "documentation": "Type of securities: \"Asset-backed Securities\", \"ADRs/ADSs\", \"Debt\", \"Debt Convertible into Equity\", \"Equity\", \"Face Amount Certificates\", \"Limited Partnership Interests\", \"Mortgage Backed Securities\", \"Non-Convertible Debt\", \"Unallocated (Universal) Shelf\", \"Exchange Traded Vehicle Securities\", \"Other\""
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetPrrUnsoldOfferingAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetPrrUnsoldOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Prior Unsold Offering Amount",
        "terseLabel": "Unsold Aggregate Offering Amount Associated with Fee Offset Claimed",
        "documentation": "The aggregate offering amount of unsold securities registered on the prior registration statement that are associated with the claimed offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetSrcFilgDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetSrcFilgDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Source Filing Date",
        "terseLabel": "Filing Date",
        "documentation": "The filing date of the earlier registration statement with which the earlier (offsetting) fee was paid in an offset."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r8"
     ]
    },
    "ffd_OffsetTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offset Payment:",
        "label": "Offset [Table]"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_OffsetTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "OffsetTableNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Offset Table [N/A]",
        "terseLabel": "Offset Table N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_PrevslyPdFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "PrevslyPdFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable",
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Fee Previously Paid [Flag]",
        "terseLabel": "Fee Previously Paid"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_RegnFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "RegnFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Registration File Number",
        "terseLabel": "Registration File Number"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_RptgFsclYrEndDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "RptgFsclYrEndDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Reporting Fiscal Year End Date",
        "terseLabel": "Reporting FY End Date"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule011Flg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule011Flg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 0-11 [Flag]",
        "terseLabel": "Rule 0-11"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule011a2OffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule011a2OffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 0-11(a)(2) Offset",
        "label": "Rule 0-11(a)(2) Offset [Flag]"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_Rule415a6Flg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule415a6Flg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 415(a)(6) [Flag]",
        "terseLabel": "Rule 415(a)(6)",
        "documentation": "Checkbox indicating whether filer is claiming a 415(a)(6) carryforward."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "ffd_Rule429AggtOfferingAmt": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429AggtOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Aggregate Offering Amount",
        "terseLabel": "Maximum Aggregate Offering Price of Securities Previously Registered",
        "documentation": "The maximum aggregate offering amount of unsold securities registered on the prior registration statement that are carried forward under Rule 429. Only applicable if 457(o) was used in the fee calculation for the prior registration statement."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429CmbndPrspctsFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429CmbndPrspctsFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Combined Prospectus [Flag]",
        "terseLabel": "Rule 429",
        "documentation": "Checkbox indicating whether filer is using a combined prospectus under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429EarlierFileNb": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429EarlierFileNb",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Earlier File Number",
        "terseLabel": "File Number",
        "documentation": "The Securities Act File Number of the earlier effective registration statement(s) from which securities may be offered and sold using the combined prospectus pursuant to Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429EarlierFormTp": {
     "xbrltype": "formTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429EarlierFormTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Earlier Form Type",
        "terseLabel": "Form Type",
        "documentation": "The Form Type of the earlier registration statement from which unsold securities are carried forward under Rule 429. This should be an EDGAR submission type (S-3, S-3/A, S-3ASR, etc.), which means there is a fixed set of possible responses. Note that while the XBRL response should be an EDGAR submission type, the human-readable Ex. 107 could include a simpler label (e.g., \"Form S-3\" in the human-readable and \"S-3ASR\" in the XBRL)."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429InitlFctvDt": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429InitlFctvDt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Initial Effective Date",
        "terseLabel": "Initial Effective Date",
        "documentation": "The filing date of the earlier registration statement from which unsold securities are carried forward under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429NbOfUnsoldScties": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429NbOfUnsoldScties",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Number Of Unsold Securities",
        "terseLabel": "Amount of Securities Previously Registered",
        "documentation": "The number of securities registered on the prior registration statement that are carried forward under Rule 429."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "ffd_Rule429PrspctsNote": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429PrspctsNote",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Prospectus Note",
        "terseLabel": "Combined Prospectus Note"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule429SctyTitl": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429SctyTitl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Security Title",
        "terseLabel": "Security Class Title"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule429SctyTp": {
     "xbrltype": "securityTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule429SctyTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesByCmbndPrspctsTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 429 Security Type",
        "terseLabel": "Security Type"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Rule457aFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457aFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(a) [Flag]",
        "terseLabel": "Rule 457(a)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(a) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "ffd_Rule457bOffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457bOffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(b) Offset [Flag]",
        "terseLabel": "Rule 457(b) Offset",
        "documentation": "Checkbox indicating whether filer is claiming an offset under Rule 457(b) or 0-11(a)(2)."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "ffd_Rule457fFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457fFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(f) [Flag]",
        "terseLabel": "Rule 457(f)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(f) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_Rule457oFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457oFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(o) [Flag]",
        "terseLabel": "Rule 457(o)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(o) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r7"
     ]
    },
    "ffd_Rule457pOffsetFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457pOffsetFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(p) Offset [Flag]",
        "terseLabel": "Rule 457(p) Offset",
        "documentation": "Checkbox indicating whether filer is claiming an offset under Rule 457(p)."
       }
      }
     },
     "auth_ref": [
      "r8"
     ]
    },
    "ffd_Rule457rFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457rFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(r) [Flag]",
        "terseLabel": "Rule 457(r)"
       }
      }
     },
     "auth_ref": [
      "r9"
     ]
    },
    "ffd_Rule457sFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457sFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(s) Flag",
        "terseLabel": "Rule 457(s)"
       }
      }
     },
     "auth_ref": [
      "r10"
     ]
    },
    "ffd_Rule457uFlg": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Rule457uFlg",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Rule 457(u) [Flag]",
        "terseLabel": "Rule 457(u)",
        "documentation": "Checkbox indicating whether filer is using Rule 457(u) to calculate the registration fee due."
       }
      }
     },
     "auth_ref": [
      "r11"
     ]
    },
    "ffd_Scties424iAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Scties424iAxis",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Axis]",
        "terseLabel": "Securities, 424I"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Scties424iLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Scties424iLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Line Items]",
        "terseLabel": "Securities, 424I:"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Scties424iTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Scties424iTable",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/securities424iTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities, 424I [Table]",
        "terseLabel": "Securities, 424I Table"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_Securities424iTableNa": {
     "xbrltype": "naItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "Securities424iNa",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Securities 424I [N/A]",
        "terseLabel": "Securities 424I N/A"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_SubmissionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "SubmissionLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Submission [Line Items]",
        "terseLabel": "Items"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_SubmissnTp": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "SubmissnTp",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/submissionTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Submission Type",
        "terseLabel": "Submission Type"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_TermntnCmpltnWdrwl": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TermntnCmpltnWdrwl",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOffsetTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Termination / Completion / Withdrawal Statement",
        "terseLabel": "Termination / Withdrawal Statement"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_TtlFeeAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlFeeAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Fee Amount",
        "terseLabel": "Total Fee Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlFeeAndIntrstAmt": {
     "xbrltype": "nonNegativeDecimal2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlFeeAndIntrstAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Fee and Interest Amount",
        "terseLabel": "Total Fee and Interest Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlOfferingAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlOfferingAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Offering Amount",
        "terseLabel": "Total Offering"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlOffsetAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlOffsetAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Offset Amount",
        "terseLabel": "Total Offset Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlPrevslyPdAmt": {
     "xbrltype": "nonNegative1TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlPrevslyPdAmt",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Previously Paid Amount",
        "terseLabel": "Previously Paid Amount"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TtlTxValtn": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TtlTxValtn",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesSummaryTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Total Transaction Valuation",
        "terseLabel": "Total Transaction Valuation"
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "ffd_TxValtn": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "TxValtn",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Transaction Valuation",
        "terseLabel": "Transaction Valuation"
       }
      }
     },
     "auth_ref": []
    },
    "ffd_ValSctiesRcvd": {
     "xbrltype": "nonNegative100TMonetary2ItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "ValSctiesRcvd",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Value of Securities Received",
        "terseLabel": "Value of Securities Received",
        "documentation": "Value of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form)"
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "ffd_ValSctiesRcvdPerShr": {
     "xbrltype": "nonNegativeDecimal4lItemType",
     "nsuri": "http://xbrl.sec.gov/ffd/2024q2",
     "localname": "ValSctiesRcvdPerShr",
     "presentation": [
      "http://xbrl.sec.gov/ffd/role/document/feesOfferingTable"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Value of Securities Received, Per Share",
        "terseLabel": "Value of Securities Received, Per Share",
        "documentation": "Value per share of securities to be received by the registrant (or cancelled upon issuance of securities to be registered on the form). This is included in the explanation of 457(f) fee calculation."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "415",
   "Subsection": "a"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "429"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "b"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "f"
  },
  "r7": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "o"
  },
  "r8": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "p"
  },
  "r9": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "r"
  },
  "r10": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "s"
  },
  "r11": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "457",
   "Subsection": "u"
  },
  "r12": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Subsection": "f",
   "Section": "457"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>20
<FILENAME>0001193125-25-121780-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-25-121780-xbrl.zip
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M2S0Z9YK9S$6I<J:6A[GE+)3=378UDKUJ+G0Z$N\'N9G0$H%5AEJI?<OLL>V
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9:'1M4$L%!@     !  $ 1@   %$1      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>d942008dexfilingfees_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2024"
  xmlns:ffd="http://xbrl.sec.gov/ffd/2024q2"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef
      xlink:href="https://xbrl.sec.gov/ffd/2024q2/ffd-2024q2.xsd"
      xlink:type="simple"/>
    <context id="P05_30_2025To05_30_2025">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>1</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>2</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>3</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>4</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>5</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>6</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <context id="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001099219</identifier>
            <segment>
                <xbrldi:typedMember dimension="ffd:OfferingAxis">
                    <dei:lineNo>7</dei:lineNo>
                </xbrldi:typedMember>
            </segment>
        </entity>
        <period>
            <startDate>2025-05-30</startDate>
            <endDate>2025-05-30</endDate>
        </period>
    </context>
    <unit id="Unit_USD">
        <measure>iso4217:USD</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="P05_30_2025To05_30_2025" id="ixv-697">0001099219</dei:EntityCentralIndexKey>
    <dei:EntityRegistrantName contextRef="P05_30_2025To05_30_2025" id="hidden140780314">METLIFE INC</dei:EntityRegistrantName>
    <ffd:SubmissnTp contextRef="P05_30_2025To05_30_2025" id="ixv-699">S-3ASR</ffd:SubmissnTp>
    <ffd:FeeExhibitTp contextRef="P05_30_2025To05_30_2025" id="hidden140780317">EX-FILING FEES</ffd:FeeExhibitTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"
      id="hidden140780354">Preferred Stock of MetLife, Inc., par value $0.01</ffd:OfferingSctyTitl>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"
      id="hidden140780365">Warrants of MetLife, Inc.</ffd:OfferingSctyTitl>
    <ffd:TtlOfferingAmt
      contextRef="P05_30_2025To05_30_2025"
      decimals="0"
      id="hidden140780363"
      unitRef="Unit_USD">0</ffd:TtlOfferingAmt>
    <ffd:TtlPrevslyPdAmt
      contextRef="P05_30_2025To05_30_2025"
      decimals="0"
      id="hidden140780477"
      unitRef="Unit_USD">0</ffd:TtlPrevslyPdAmt>
    <ffd:TtlFeeAmt
      contextRef="P05_30_2025To05_30_2025"
      decimals="0"
      id="ixv-705"
      unitRef="Unit_USD">0</ffd:TtlFeeAmt>
    <ffd:TtlOffsetAmt
      contextRef="P05_30_2025To05_30_2025"
      decimals="0"
      id="hidden140780478"
      unitRef="Unit_USD">0</ffd:TtlOffsetAmt>
    <ffd:FormTp contextRef="P05_30_2025To05_30_2025" id="ixv-781">S-3</ffd:FormTp>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"
      id="ixv-782">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"
      id="ixv-783">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"
      id="ixv-784">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"
      id="ixv-785">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"
      id="ixv-786">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"
      id="ixv-787">false</ffd:PrevslyPdFlg>
    <ffd:PrevslyPdFlg
      contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"
      id="ixv-788">false</ffd:PrevslyPdFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"
      id="ixv-789">Equity</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"
      id="ixv-790">Common Stock of MetLife, Inc., par value $0.01 per share</ffd:OfferingSctyTitl>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"
      id="ixv-791">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"
      id="ixv-792">Equity</ffd:OfferingSctyTp>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"
      id="ixv-793">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"
      id="ixv-794">Debt</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"
      id="ixv-795">Debt Securities of MetLife, Inc.</ffd:OfferingSctyTitl>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"
      id="ixv-796">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"
      id="ixv-797">Other</ffd:OfferingSctyTp>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"
      id="ixv-798">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"
      id="ixv-799">Other</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"
      id="ixv-800">Purchase Contracts of MetLife, Inc.</ffd:OfferingSctyTitl>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"
      id="ixv-801">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"
      id="ixv-802">Equity</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"
      id="ixv-803">Depositary Shares of MetLife, Inc.</ffd:OfferingSctyTitl>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"
      id="ixv-804">true</ffd:Rule457rFlg>
    <ffd:OfferingSctyTp
      contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"
      id="ixv-805">Other</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl
      contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"
      id="ixv-806">Units of MetLife, Inc., par value $0.01</ffd:OfferingSctyTitl>
    <ffd:Rule457rFlg
      contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"
      id="ixv-807">true</ffd:Rule457rFlg>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_1TypedMemberffdOfferingAxis"
      id="ixv-675">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_2TypedMemberffdOfferingAxis"
      id="ixv-676">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_3TypedMemberffdOfferingAxis"
      id="ixv-677">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_4TypedMemberffdOfferingAxis"
      id="ixv-678">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_5TypedMemberffdOfferingAxis"
      id="ixv-679">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_6TypedMemberffdOfferingAxis"
      id="ixv-680">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
    <ffd:OfferingNote
      contextRef="P05_30_2025To05_30_2025_7TypedMemberffdOfferingAxis"
      id="ixv-681">
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(1)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. The Registrant is relying on Rule 456(b) and Rule 457(r) under the Securities Act of 1933, as amended, to defer payment of all registration fees. Separate consideration may or may not be received for securities that are issuable on exercise, conversion or exchange of other securities or that are issued in units. In connection with the securities offered hereby, the Registrant will pay &lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&lt;div style="white-space:nowrap;display:inline;"&gt;&lt;div style="white-space: nowrap; letter-spacing: 0px; top: 0px;display:inline;"&gt;&#x201c;pay-as-you-go&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; registration fees&#x201d; in accordance with Rule 456(b). The Registrant will calculate the registration fee applicable to an offer of securities pursuant to this Registration Statement based on the fee payment rate in effect on the date of such fee payment. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;
&lt;table cellpadding="0" cellspacing="0" style="text-align:start; BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%"&gt;
&lt;tr style="page-break-inside:avoid"&gt;
&lt;td style="width:4%;vertical-align:top;text-align:left"&gt;(2)&lt;/td&gt;
&lt;td style="vertical-align:top;text-align:left"&gt;&lt;div style="margin-top: 0pt; margin-bottom: 0pt; font-size: 10pt; font-family: &amp;quot;Times New Roman&amp;quot;; text-align: left; line-height: normal;"&gt;An indeterminate aggregate amount of securities is being registered as may from time to time be offered for sale or sold at indeterminate prices. In reliance on Rules 456(b) and 457(r) under the Securities Act of 1933, the Registrant is deferring payment of all of the registration fees relating to the registration of securities hereby until such fees become payable in connection with an offering of such securities. &lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</ffd:OfferingNote>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
