Common use of SPOUSAL TRANSFERS Clause in Contracts

SPOUSAL TRANSFERS. If the spouse is the primary beneficiary of the annuity death claim, and he/she elects to retain the proceeds in his/her name and become the annuitant/owner of the existing contract, no commission will be paid or credited. If the annuity death proceeds are moved to a new annuity, instead of using the spousal assumption/continuation provisions, the same RWB Rules for Old Money coming into a new Annuity will apply. Full first-year commission will be paid on New Money. RULES FOR MONEY COMING INTO A NEW MUTUAL FUND/WRAP ONE MUTUAL FUND FAMILY/WRAP TO ANOTHER MUTUAL FUND FAMILY/WRAP - FULL FIRST-YEAR COMMISSIONS will be paid, provided a properly executed "Mutual Fund Switch Letter," signed by the client, the Financial Services Representative and his or her manager, is submitted as part of the transaction. EXCHANGES WITHIN THE SAME MUTUAL FUND FAMILY - FULL FIRST-YEAR COMMISSION will be paid on any amount of New Money. - NO FIRST-YEAR COMMISSION will be paid when Old Money from a mutual fund family is used to fund a mutual fund from the same family of funds. There is generally no sales charge to the client for this exchange, and as such, there is no commission payable. Annuity To Mutual Fund/Wrap Account - FULL COMMISSION will be paid on New Money. - FULL FIRST-YEAR COMMISSION will be paid when a mutual fund or WRAP account rewrites an annuity that is out of the surrender charge period. - NO COMMISSION will be paid on the Old Money if the annuity is subject to a surrender/withdrawal charge. PERMANENT LIFE INSURANCE TO MUTUAL FUNDS/WRAP ACCOUNTS - FULL COMMISSIONS will be paid on New Money included within the New Deposit. - FULL FIRST-YEAR COMMISSION will be paid on Old Money included within the New Deposit if the life insurance policy has been in force at least 10 years. - NO FIRST YEAR COMMISSION paid on Old Money included in the New Deposit if the life insurance policy has been in force for less than 10 years. ADDITIONAL RULES THAT APPLY The Company reserves the right to apply the rewritten business rules in special situations. Listed here is information regarding several special situations, and the names of individuals you should contact if you encounter a situation where it is unclear how these rules apply. POLICY LOANS. It is against company rules to recommend policy loans to help fund a New or Existing Products. The date of a policy loan check may be used as the "date of lapse" in determining whether a new policy will be considered a "rewritten policy," if, within the Rewritten Business Window:

SPOUSAL TRANSFERS. If the spouse is the primary beneficiary of the annuity death claim, and he/she elects to retain the proceeds in his/her name and become the annuitant/owner of the existing contract, no commission will be paid or credited. If the annuity death proceeds are moved to a new annuity, instead of using the spousal assumption/continuation provisions, the same RWB Rules for Old Money coming into a new Annuity will apply. Full first-year commission will be paid on New Money. RULES FOR MONEY COMING INTO A NEW MUTUAL FUND/WRAP ONE MUTUAL FUND FAMILYOne Mutual Fund Family/WRAP TO ANOTHER MUTUAL FUND FAMILYto Another Mutual Fund Family/WRAP - FULL FIRST. Full first-YEAR COMMISSIONS year commissions will be paid, provided a properly executed "Mutual Fund Switch Letter," signed by the client, the Financial Services Representative and his or her manager, is submitted as part of the transaction. EXCHANGES WITHIN THE SAME MUTUAL FUND FAMILY - FULL FIRSTExchanges Within the Same Mutual Fund Family . Full first-YEAR COMMISSION year commission will be paid on any amount of New Money. - NO FIRST. No first-YEAR COMMISSION year commission will be paid when Old Money from a mutual fund family is used to fund a mutual fund from the same family of funds. There is generally no sales charge to the client for this exchange, and as such, there is no commission payable. Annuity To Mutual Fund/Wrap Account - FULL COMMISSION . Full commission will be paid on New Money. - FULL FIRST. Full first-YEAR COMMISSION year commission will be paid when a mutual fund or WRAP account rewrites an annuity that is out of the surrender charge period. - NO COMMISSION . No commission will be paid on the Old Money if the annuity is subject to a surrender/withdrawal charge. PERMANENT LIFE INSURANCE TO MUTUAL FUNDSPermanent Life Insurance to Mutual Funds/WRAP ACCOUNTS - FULL COMMISSIONS Accounts . Full commissions will be paid on New Money included within the New Deposit. - FULL FIRST. Full first-YEAR COMMISSION year commission will be paid on Old Money included within the New Deposit if the life insurance policy has been in force at least 10 years. - NO FIRST YEAR COMMISSION . No first year commission paid on Old Money included in the New Deposit if the life insurance policy has been in force for less than 10 years. ADDITIONAL RULES THAT APPLY The Company reserves the right to apply the rewritten business rules in special situations. Listed here is information regarding several special situations, and the names of individuals you should contact if you encounter a situation where it is unclear how these rules apply. POLICY LOANSPolicy Loans. It is against company rules to recommend policy loans to help fund a New or Existing Products. The date of a policy loan check may be used as the "date of lapse" in determining whether a new policy will be considered a "rewritten policy," if, within the Rewritten Business Window:

SPOUSAL TRANSFERS. If the spouse is the primary beneficiary of the annuity death claim, and he/she elects to retain the proceeds in his/her name and become the annuitant/owner of the existing contract, no commission will be paid or credited. If the annuity death proceeds are moved to a new annuity, instead of using the spousal assumption/continuation provisions, the same RWB Rules for Old Money coming into a new Annuity will apply. Full first-year commission will be paid on New Money. Enterprise Selling Agreement MetLife Version - September 2003 RULES FOR MONEY COMING INTO A NEW MUTUAL FUND/WRAP ONE MUTUAL FUND FAMILY/WRAP TO ANOTHER MUTUAL FUND FAMILY/WRAP - FULL FIRST-YEAR COMMISSIONS will be paid, provided a properly executed "Mutual Fund Switch Letter," signed by the client, the Financial Services Representative and his or her manager, is submitted as part of the transaction. EXCHANGES WITHIN THE SAME MUTUAL FUND FAMILY - FULL FIRST-YEAR COMMISSION will be paid on any amount of New Money. - NO FIRST-YEAR COMMISSION will be paid when Old Money from a mutual fund family is used to fund a mutual fund from the same family of funds. There is generally no sales charge to the client for this exchange, and as such, there is no commission payable. Annuity To Mutual FundANNUITY TO MUTUAL FUND/Wrap Account WRAP ACCOUNT - FULL COMMISSION will be paid on New Money. - FULL FIRST-YEAR COMMISSION will be paid when a mutual fund or WRAP account rewrites an annuity that is out of the surrender charge period. - NO COMMISSION will be paid on the Old Money if the annuity is subject to a surrender/withdrawal charge. PERMANENT LIFE INSURANCE TO MUTUAL FUNDS/WRAP ACCOUNTS - FULL COMMISSIONS will be paid on New Money included within the New Deposit. - FULL FIRST-YEAR COMMISSION will be paid on Old Money included within the New Deposit if the life insurance policy has been in force at least 10 years. - NO FIRST YEAR COMMISSION paid on Old Money included in the New Deposit if the life insurance policy has been in force for less than 10 years. Enterprise Selling Agreement MetLife Version - September 2003 ADDITIONAL RULES THAT APPLY The Company reserves the right to apply the rewritten business rules in special situations. Listed here is information regarding several special situations, and the names of individuals you should contact if you encounter a situation where it is unclear how these rules apply. POLICY LOANS. It is against company rules to recommend policy loans to help fund a New or Existing Products. The date of a policy loan check may be used as the "date of lapse" in determining whether a new policy will be considered a "rewritten policy," if, within the Rewritten Business Window:

SPOUSAL TRANSFERS. If the spouse is the primary beneficiary of the annuity death claim, and he/she he elects to retain the proceeds in his/her name and become the annuitant/owner of the existing contract, no commission will be paid or credited. If the annuity death proceeds are moved to a new annuity, instead of using the spousal assumption/continuation provisions, the same RWB Rules for Old Money coming into a new Annuity will apply. Full first-year commission will be paid on New Money. RULES FOR MONEY COMING INTO A NEW MUTUAL FUND/WRAP ONE MUTUAL FUND FAMILYOne Mutual Fund Family/WRAP TO ANOTHER MUTUAL FUND FAMILYto Another Mutual Fund Family/WRAP - FULL FIRST. Full first-YEAR COMMISSIONS year commissions will be paid, provided a properly executed "Mutual Fund Switch Letter," signed by the client, the Financial Services Representative and his or her manager, is submitted as part of the transaction. EXCHANGES WITHIN THE SAME MUTUAL FUND FAMILY - FULL FIRSTExchanges Within the Same Mutual Fund Family . Full first-YEAR COMMISSION year commission will be paid on any amount of New Money. - NO FIRST. No first-YEAR COMMISSION year commission will be paid when Old Money from a mutual fund family is used to fund a mutual fund from the same family of funds. There is generally no sales charge to the client for this exchange, and as such, there is no commission payable. Annuity To Mutual Fund/Wrap Account - FULL COMMISSION . Full commission will be paid on New Money. - FULL FIRST. Full first-YEAR COMMISSION year commission will be paid when a mutual fund or WRAP account rewrites an annuity that is out of the surrender charge period. - NO COMMISSION . No commission will be paid on the Old Money if the annuity is subject to a surrender/withdrawal charge. PERMANENT LIFE INSURANCE TO MUTUAL FUNDSPermanent Life Insurance to Mutual Funds/WRAP ACCOUNTS - FULL COMMISSIONS Accounts . Full commissions will be paid on New Money included within the New Deposit. - FULL FIRST. Full first-YEAR COMMISSION year commission will be paid on Old Money included within the New Deposit if the life insurance policy has been in force at least 10 years. - NO FIRST YEAR COMMISSION . No first year commission paid on Old Money included in the New Deposit if the life insurance policy has been in force for less than 10 years. ADDITIONAL RULES THAT APPLY The Company reserves the right to apply the rewritten business rules in special situations. Listed here is information regarding several special situations, and the names of individuals you should contact if you encounter a situation where it is unclear how these rules apply. POLICY LOANSPolicy Loans. It is against company rules to recommend policy loans to help fund a New or Existing Products. The date of a policy loan check may be used as the "date of lapse" in determining whether a new policy will be considered a "rewritten policy," if, within the Rewritten Business Window: