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MetLife Our Privacy Notice We know that you buy our products and services because you trust us. This notice explains how we protect your privacy and treat your personal information. It applies to current and former customers, "Personal information" as used here means anything we know about you personally. This privacy notice is for individuals who apply for or obtain our products and services under an employee benefit plan, or group insurance or annuity contract. In this notice, "you" refers to these individuals. We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling It. We limit access to those who need it to perform their jobs. Our outside service providers must also protect it, and use it only to meet our business needs. We also take steps to protect our systems from unauthorized access. We comply with all laws that apply to us. We typically collect your name, address, age, and other relevant Information. We may also collect information about any business you have with us, our affiliates, or other companies. Our affiliates Include life, car, and home insurers. They also include a bank, a legal plans company, and securities broker-dealers. In the future, we may also have affiliates in other businesses. We get your personal information mostly from you. We may also use outside sources to help ensure our records are correct and complete. These sources may include consumer reporting agencies, employers, other financial institutions, adult relatives, and others. These sources may give us reports or share what they know with others. We don't control the accuracy of information outside sources give us. If you want to make any changes to information we receive from others about you, you must contact those sources. We collect your personal information to help us decide if you're eligible for our products or services. We may also need it to verify identities to help deter fraud, money laundering, or other crimes. How we use this information depends on what products and services you have or want from us. It also depends on what laws apply to those products and services. For example, we may also use your Information to: • administer your products and services • process claims and other transactions • perform business research • confirm or correct your information • market new products to you • help us run our business • comply with applicable laws MWWIIIIICOSIMUM We may share your personal information without your consent if permitted or required by law. For example, we may share your information with businesses hired to carry out services for us. We may also share it with our affiliated or unaffiliated business partners through joint marketing agreements. In those situations, we share your information to jointly offer you products and services or have others offer you products and services we endorse or sponsor. Before sharing your information with any affiliate orjoint marketing partner for their own marketing purposes, however, we will first notify you and give you an opportunity to opt out. Other reasons we may share your information include: • doing what a court, law enforcement, or government agency requires us to do (for example, complying with search warrants or subpoenas) • telling another company what we know about you if we are selling or merging any part of our business • giving information to a governmental agency so it can decide if you are eligible for public benefits CPN -Group -Ann -2015 25C-37