Any employee, customer, shareholder or other interested party may communicate known or suspected concerns regarding accounting, internal controls or audit matters, or fraud and unethical behaviors to MetLife by e-mailing correspondence to SIULINE@MetLife.com. MetLife will treat such communications as confidential and take all reasonable precautions to protect such transmissions. Interested parties may also report concerns in writing or by calling the Compliance & Fraud Hotline at 1-800-462-6565.