This Privacy Notice is provided to you on behalf of MetLife Securities, Inc. ("MSI")

This Privacy Notice Tells You:

• Why and how we gather information about you
• How we protect what we know about you
• How we use and disclose your information
• What your rights are

Why We Need Information:
We need to know about you so that we can provide the insurance and other products and services you’ve requested. We may also need it to administer your business with us, evaluate claims, process transactions and run our business.  And we need information from you and others to help us verify identities in order to help prevent money laundering and terrorism.

What we need to know includes address, age and other basic information.  We may also need more information.  This may include finances, employment or business conducted with us, with other MetLife companies (our “affiliates”) or with other companies.  Our affiliates currently include life, car and home insurers, securities firms, other broker-dealers, a bank, a legal plans company and financial advisors. 

How We Get Information:
What we know about you we get mostly from you.  But we may also have to find out more from other sources to make sure that what we know is correct and complete.  Those sources may include adult relatives, employers, consumer reporting agencies, and others.  Some sources may give us reports and may disclose what they know to others.

How We Protect Information:
Because you entrust us with your personal information, we treat what we know about you confidentially.  Our employees are told to take care in handling your information. They may get information about you only when there is a good reason to do so.  We also take steps to make our computer databases secure and to safeguard the information we have about you.

How We Use and Disclose Information:
We may use what we know to help us serve you better.  We may use it, and disclose it to our affiliates and others, for ay purpose allowed by law.  For instance, we may use your information, and disclose it to others, in order to:

When we disclose information to others to perform business services for us, they are required to take appropriate steps to protect this information. And they may use the information only for the purposes of performing those business services. Other reasons we may disclose what we know about you include:

• Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena;
• Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company;
• Giving information to the government so that it can decide whether you may get benefits that it will have to pay for;
• Giving your information to someone who has a legal interest in your assets, such as someone who lent you money and holds a lien on your assets.

How we use and disclose information depends on the products and services you have with us or are covered under.  It also depends on laws that apply to those products and services.  We may share your information with other companies to help us.

Here are our other rules on using your information to market products and services:

• We will not share information about you with any of our affiliates for use in marketing its products to you, unless we first notify you.  You will then have an opportunity to tell us not to share your information by “opting out”.
• Before we share what we know about you with another financial services company to offer you products or services through a joint marketing arrangement, we will let you "opt out."
• We will not disclose information to unaffiliated companies for use in selling their products to you, except through such joint marketing arrangements.

How You Can See and Correct Your Information:
Generally, we will let you review what we know about you if you ask us in writing.  (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.)  If you tell us that what we know about you is incorrect, we will review it.  If we agree with you, we will correct our records.  If we do not agree with you, you may tell us in writing, and we will include your statement if we give this information to anyone outside MetLife.

You Can Get Other Materials from Us:
In addition to any other privacy notice we may give you, we must give you a summary of our privacy policy once each year. You may have other rights under the law.  If you want to know more about our privacy policy, please visit our website, www.metlife.com, or write to your MetLife company, c/o MetLife Privacy Office - Inst, P.O. Box 489, Warwick, Rhode Island 02887-9954.  When writing to us, please identify the specific product or service you have with us.