METLIFE INDEPENDENT DISTRIBUTION GROUP

Underwriting, agency, brokerage and administration services for individual and group life, disability, long term care, and dental insurance; Agency and brokerage with respect to life and long term care insurance, annuities, investment contracts, retirement plans, qualified and non-qualified retirement plans and securities; Financial analysis and consultation with respect to life, and long term care insurance, annuities, investment contracts, retirement and savings plans, qualified and non-qualified retirement and savings plans and securities; Administrative services for employee benefits and retirement plans; Investment management services for investment companies, insurance companies, and individual and institutional investors; Investment advisory services to investment companies, insurance companies, individual and institutional investors, with regard to annuities; Mutual funds investment, investment management, distribution and brokerage; Estate trust management services; Real estate brokerage, management and investment services; Providing information in the fields of insurance and financial management and planning services via the Internet; and a house mark for a full range of insurance, investment and financial services, namely, underwriting, agency and brokerage of insurance, annuities, and retirement plan products, financial analysis and consultation, investment advisory and management services, estate trust management services, and real estate brokerage and investment.