MAXIS GBN S.A.S., Paris, France provides services notably in the marketing and communication areas on behalf of AXA France Vie S.A., Paris, France (AXA) and Metropolitan Life Insurance Company, New York, NY (MLIC) in connection with the MAXIS Global Benefits Network. The MAXIS Global Benefits Network is administered by AXA and MLIC and is a network of locally licensed MAXIS member insurance companies (“MAXIS Members”). The MAXIS Global Benefits Network is neither an insurance provider nor an insurance intermediary and only the MAXIS Members provide insurance. MLIC is the only MAXIS Member licensed to transact insurance business in New York. The other MAXIS Members are not licensed or authorized to do business in New York, and the policies and contracts they issue have not been approved by the New York Superintendent of Financial Services and are not subject to all of the laws of New York.