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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">As
filed with the Securities and Exchange Commission on November 5, 2009</DIV>


<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Registration No.&nbsp;333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</DIV>


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>




<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM S-8</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 0pt"><B>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B><DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 26%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></B>
</DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>METLIFE, INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">Delaware
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">13-4075851</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(I.R.S. Employer Identification No.)</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">incorporation or organization)</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">200 Park Avenue<BR>
New York, New York 10166-0188<BR>
(Address of Principal Executive Offices) (Zip Code)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">METLIFE INDIVIDUAL DISTRIBUTION SALES DEFERRED COMPENSATION PLAN<BR>
(Full title of the plan)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">James L. Lipscomb, Esq.<BR>
Executive Vice President and General Counsel<BR>
MetLife, Inc.<BR>
200 Park Avenue<BR>
New York, New York 10166-0188<BR>
(212)&nbsp;578-2211</DIV>

<DIV align="center" style="font-size: 10pt">(Name, address, including zip code, and telephone number,<BR>
including area code, of agent for service)</DIV>
<DIV>&nbsp;</DIV>

<DIV align="left"><font size="2">Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, or a smaller
reporting company. See the definitions of &#147;large accelerated
filer,&#148; &#147;accelerated filer&#148; and &#147;smaller
reporting company&#148; in Rule 12b-2 of the Exchange Act.</font></div>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="39%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top" nowrap>&nbsp;</TD>
    <TD align="left" valign="top">Large accelerated filer <FONT face="Wingdings">&#254;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">Accelerated filer
<FONT face="Wingdings">&#111;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top" nowrap>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" nowrap>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>


<TR valign="bottom">
    <TD align="center" valign="top" nowrap>&nbsp;</TD>
    <TD align="left" valign="top">Non-accelerated filer
<FONT face="Wingdings">&#111;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">Smaller reporting company
<FONT face="Wingdings">&#111;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top" nowrap>&nbsp;</TD>
    <TD align="left" valign="top">(Do not check if a smaller
reporting company)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
</TR>




<!-- End Table Body -->
</TABLE>
</DIV>




<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>CALCULATION OF REGISTRATION FEE</B></DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>

    <TD width="1%">&nbsp;</TD>
</TR><TR style="font-size: 1px" valign="bottom">
    <TD nowrap align="left" colspan="15" style="border-bottom: 3px double #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Proposed maximum</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">Title of securities to</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount to be</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">offering price per</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">aggregate offering</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">Amount of</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center">be registered</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">registered</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">share </TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">price (2)</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">registration fee</TD>
    <TD width="1%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD width="1%" style="border-top: 2px solid #000000">&nbsp;</TD>
                    <TD style="border-top: 2px solid #000000"><DIV style="margin-left:15px; text-indent:-15px">Obligations Under
MetLife Individual Distribution Sales Deferred
Compensation Plan (1)</DIV></TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>

<TD align="center" valign="bottom" style="border-top: 2px solid #000000">$40,000,000</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="center" valign="bottom" style="border-top: 2px solid #000000">100%</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>

<TD align="center" valign="bottom" style="border-top: 2px solid #000000">$40,000,000</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>

<TD align="center" valign="bottom" style="border-top: 2px solid #000000">$2,232</TD>
    <TD width="1%" style="border-top: 2px solid #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 1px" valign="bottom">
    <TD nowrap align="left" colspan="15" style="border-top: 3px double #000000">&nbsp;</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The obligations under the MetLife Individual Distribution Sales Deferred Compensation
Plan are unsecured general obligations of MetLife,
Inc. to pay deferred compensation in accordance with the terms of the
MetLife Individual Distribution Sales Deferred Compensation Plan.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Estimated, in accordance with Rule 457(h) under the Securities Act of 1933, solely for the purpose of determining the registration fee.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>







<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>



<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center"><font size="2"><B>Part II</B></font></DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</DIV>


<Div align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
3. Incorporation of Documents by Reference.</b>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed with the U.S. Securities and Exchange Commission (the &#147;Commission&#148;) by MetLife, Inc. (the
&#147;Company&#148;) are incorporated herein by reference and made a
part hereof:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left:15pt">(a)&nbsp;&nbsp;The
Company&#146;s Annual Report on Form 10-K for the year ended December&nbsp;31,
2008 and the portions of the Company&#146;s proxy statement for its
2009 Annual Meeting of Stockholders incorporated by reference into
the Form 10-K; and
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 4pt; margin-left:15pt">(b)&nbsp;&nbsp;All
other reports filed pursuant to Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 since December 31, 2008.
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
documents subsequently filed by the Company pursuant
to Sections&nbsp;13(a), 13(c), 14 and 15(d) of the Securities
Exchange Act of 1934, prior to the filing
of a post-effective amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall
be deemed to be incorporated by reference in this registration statement and to
be a part hereof from the date of filing of such documents. Any statement
contained in a document incorporated by reference
herein shall be deemed to be modified or superseded for purposes of this
registration statement to the extent that a statement contained herein or in any
subsequently filed document which also is incorporated by
reference herein modifies or supersedes such statement. Any such statement as so
modified or superseded shall not be deemed, except as so modified or superseded,
to constitute a part hereof.
</DIV>

<Div align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
4. Description of Securities.</b>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under
the MetLife Individual Distribution Sales Deferred Compensation Plan (the &#147;Plan&#148;), the Company will
provide eligible participants the opportunity to agree to the deferral of a portion of their compensation from Metropolitan Life Insurance Company.
The obligations of the Company (the &#147;Obligations&#148;) under the
 Plan will be unsecured general obligations
of the Company to pay deferred compensation in the future in
accordance with the terms of the Plan, which
is filed as Exhibit&nbsp;4.1 to this registration statement, and will rank equal in right of payment to other unsecured and unsubordinated indebtedness of the Company from time to time outstanding. This
description of the Obligations is qualified in its entirety by
reference to Exhibit&nbsp;4.1, which is incorporated herein by
reference pursuant to Rule&nbsp;411 (b)(3) under the Securities Act of 1933.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Plan is administered by a plan administrator (the &#147;Plan Administrator&#148;). The Plan Administrator
may amend, suspend or terminate the Plan at any time, except that no such
amendment, suspension or termination shall reduce the amount of the deferred
accounts of a participant as of the date of such amendment, suspension or
termination.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Obligations are not convertible into another security of the Company.
The Obligations will not have the benefit of a negative pledge or any other
affirmative or negative covenant on the part of the Company. No trustee has been
appointed having the authority to take action with respect to the Obligations
and each participant will be responsible for acting independently with respect
to, among other things, the giving of notices, responding to any requests for
consents, waivers or amendments pertaining to the Obligations, enforcing
covenants and taking action upon default.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amount of compensation to be deferred by each participant will be
determined in accordance with the Plan based on elections by each participant.
Each Obligation will be payable
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->1<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>



<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">beginning on a date selected by each participant in accordance with the terms of
the Plan, except as otherwise determined under the Plan. The Obligations will be
denominated and be payable in United States dollars.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A participant&#146;s right or the right of any other person to the Obligations
cannot be assigned, alienated, sold, garnished, transferred, pledged, or
encumbered except by a written designation of a beneficiary under the Plan, by
written will, by the laws of descent and distribution, or by a
qualified domestic relations order. Payments due after the
death of the participant are made to the beneficiary designated by the
participant under the Plan, or if there has been no designation, to
the participant&#146;s estate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The value of a participant&#146;s deferred compensation account will be
adjusted to reflect the simulated investment performance of one or more
investment funds offered under the Plan (the &#147;Investment Tracking Funds&#148;) and
selected by the participant for such purposes in the deferral election. The
simulated investment performance will be on a total return basis, giving effect
to increases or decreases in value of the selected Investment Tracking Funds
plus dividends, if any, on a reinvested basis.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
primary source of the Company&#146;s liquidity is dividends it receives
from its insurance subsidiaries. The Company&#146;s insurance subsidiaries are
subject to regulatory restrictions on the payment of dividends imposed by the
regulators of their respective domiciles. The dividend limitation for U.S.
insurance subsidiaries is based on the surplus to policyholders at the
immediately preceding calendar year and statutory net gain from operations for
the immediately preceding calendar year. Statutory accounting practices, as
prescribed by insurance regulators of various states in which the Company
conducts business, differ in certain respects from accounting principles used in
financial statements prepared in conformity with GAAP. The significant
differences relate to the treatment of deferred policy acquisition costs,
certain deferred income tax, required investment reserves, reserve calculation
assumptions, goodwill and surplus notes. Management of the Company cannot provide
 assurances that the Company&#146;s insurance subsidiaries will have statutory
 earnings to support payment of dividends to the Company in an amount sufficient
 to fund its cash requirements and pay cash dividends and that the applicable
 insurance departments will not disapprove any dividends that such insurance
 subsidiaries must submit for approval.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The table below sets forth the dividends permitted to be paid by
    the respective insurance subsidiary without insurance regulatory
    approval:
</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<TABLE border="0" width="100%" align="center" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000">
<!-- Table Width Row BEGIN -->
<TR style="font-size: 1pt" valign="bottom">
    <TD width="85%">&nbsp;</TD> <!-- colindex=01 type=maindata -->
    <TD width="2%">&nbsp;</TD>  <!-- colindex=02 type=gutter -->
    <TD width="1%" align="right">&nbsp;</TD>    <!-- colindex=02 type=lead -->
    <TD width="11%" align="right">&nbsp;</TD>   <!-- colindex=02 type=body -->
    <TD width="1%" align="left">&nbsp;</TD>     <!-- colindex=02 type=hang1 -->
</TR>
<!-- Table Width Row END -->
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>2009</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom">
    <B>Permitted w/o<BR>
    </B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="left" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Company</B>
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom" style="border-bottom: 1px solid #000000">
    <B>Approval (1)</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom" align="center">
<TD nowrap align="center" valign="bottom">
&nbsp;
</TD>
<TD>
&nbsp;
</TD>
<TD colspan="2" nowrap align="center" valign="bottom">
    <B>(In millions)</B>
</TD>
<TD>
&nbsp;
</TD>
</TR>
<TR style="line-height: 3pt; font-size: 1pt">
<TD>&nbsp;
</TD>
</TR>
<TR valign="bottom" style="background: #CCEEFF">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Metropolitan Life Insurance Company
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    552
</TD>
<TD nowrap align="left" valign="bottom">

</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    MetLife Insurance Company of Connecticut
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    714
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
<TR valign="bottom" style="background: #CCEEFF">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Metropolitan Tower Life Insurance Company
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    88
</TD>
<TD nowrap align="left" valign="bottom">

</TD>
</TR>
<TR valign="bottom">
<TD align="left" valign="bottom">
<DIV style="text-indent: -10pt; margin-left: 10pt">
    Metropolitan Property and Casualty Insurance Company
</DIV>
</TD>
<TD>
&nbsp;
</TD>
<TD nowrap align="left" valign="bottom">
    $
</TD>
<TD nowrap align="right" valign="bottom">
    9
</TD>
<TD nowrap align="left" valign="bottom">
&nbsp;
</TD>
</TR>
</TABLE>

<DIV align="left" style="margin-left: 0%; margin-right: 0%; text-indent: 0%; font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

</DIV>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>

<DIV style="font-size: 1pt; margin-left: 0%; width: 13%; align: left; border-bottom: 1pt solid #000000"></DIV><!-- callerid=999 iwidth=455 length=60 -->

<DIV style="margin-top: 3pt; font-size: 1pt">&nbsp;</DIV>



<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt; font-family: 'Times New Roman', Times; color: #000000; background: #FFFFFF">

<TR>
    <TD width="2%"></TD>
    <TD width="1%"></TD>
    <TD width="97%"></TD>
</TR>

<TR>
    <TD align="right" valign="top">
    (1) </TD>
    <TD></TD>
    <TD valign="bottom">
    Reflects dividend amounts that may be paid during 2009 without
    prior regulatory approval. However, if paid before a specified
    date during 2009, some or all of such dividends may require
    regulatory approval.</TD>
</TR>

</TABLE>

<DIV style="margin-top: 6pt; font-size: 1pt">&nbsp;</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liquidity is also provided by a variety of short-term instruments, including commercial paper. Capital is provided by a variety of instruments, including medium- and long-term debt, junior subordinated debt securities, collateral financing arrangements, capital securities
and stockholders&#146; equity. The diversity of the Company&#146;s funding sources
enhances funding flexibility and limits dependence on any one source of funds
and generally lowers the cost of funds. Other sources of the Company&#146;s liquidity
include programs for short- and long-term borrowing, as needed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company is subject to risk-based and leverage capital guidelines
issued by the federal banking regulatory agencies for banks and financial
holding companies. The federal banking regulatory agencies are required by law
to take specific prompt corrective actions with respect to institutions that do
not meet minimum capital standards.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
5. Interests of Named Experts and Counsel.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
validity of the Obligations will be passed upon for the Company by
Matthew Ricciardi, Esq., Chief Counsel &#151; Public Company &amp;
Corporate Law of Metropolitan Life Insurance Company, an affiliate of the Company. Mr.
Ricciardi is paid a salary by an affiliate of the Company, is a participant in various
employee benefit plans offered by the Company and its affiliates to
employees generally, holds common stock of the Company and is paid equity-based compensation in accordance
with the Company&#146;s compensation programs.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
6. Indemnification of Directors and Officers.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company&#146;s directors and officers may be indemnified against
liabilities, fines, penalties and claims imposed upon or asserted against them
as provided in the Delaware General Corporation Law, the Company&#146;s Amended
and Restated Certificate of Incorporation and Amended and Restated
By-Laws, and (in the case of the Company&#146;s directors) the MetLife, Inc. Director Indemnity Plan. Such
indemnification covers all costs and expenses incurred by a director or officer
in his capacity as such. The stockholders of the Company, the Board of Directors, by a majority vote of a quorum
of disinterested directors or by determination of a committee of
disinterested directors appointed by the Board, or, under certain circumstances, independent counsel
appointed by the Board of Directors, must determine that the director or officer
seeking indemnification satisfied the applicable standard of conduct
set forth in the Delaware General Corporation Law
and the Amended and Restated By-Laws of the Company. In addition, the Delaware General Corporation Law
and the Company&#146;s Amended and Restated Certificate of Incorporation may, under
certain circumstances, eliminate the liability of directors and officers in a
stockholder or derivative proceeding.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the person involved is not a director or officer of the Company, the
Board of Directors may cause the Company to indemnify, to the same extent
allowed for the Company&#146;s directors and officers, such person who was or is a
party to a proceeding by reason of the fact that he is or was the Company&#146;s
employee or agent, or is or was serving at the Company&#146;s request as director,
officer, employee or agent of another corporation, partnership, joint venture,
trust, employee benefit plan or other entity.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company has in force and effect policies insuring its directors and
officers against losses which they or any of them will become legally obligated
to pay by reason of any actual or alleged error or misstatement or misleading
statement or act or omission or neglect or breach of duty by the directors and
officers in the discharge of their duties, individually or collectively, or any
matter claimed against them by reason of their being directors or
officers. Such coverage is limited by the specific terms and provisions of the
insurance policies.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
7. Exemption From Registration Claimed.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Not applicable.

</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->3<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
8. Exhibits.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The
Exhibits to this registration statement are listed in the Exhibit&nbsp;Index of this registration
statement, which index is incorporated herein by reference.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item
9. Undertakings.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(A). The
undersigned registrant hereby undertakes:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(1).</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To file, during any period in which offers or sales are being made,
a post-effective amendment to this registration statement: </TD>
</TR>

</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">(i)&nbsp;to include any prospectus required by Section&nbsp;10(a)(3) of the
Securities Act of 1933;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">(ii)&nbsp;to reflect in the prospectus any facts or events arising after the
effective date of this registration statement (or the most recent
<Font style="white-space: nowrap">post-effective</Font> amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set
forth in this registration statement. Notwithstanding the foregoing,
any increase or decrease in volume of securities offered (if the
total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in
the aggregate, the changes in volume and price represent no more
than a 20% change in the maximum aggregate offering price set forth
in the &#147;Calculation of Registration Fee&#148; table in this effective
registration statement;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%">(iii)&nbsp;to include any material information with respect to the plan of
distribution not previously disclosed in this registration statement
or any material change to such information in this registration
statement;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 6%"><I>provided, however, </I>that paragraphs (A)(1)(i) and (A)(1)(ii) do not apply
if the information required to be included in a post-effective
amendment by those paragraphs is contained in periodic reports filed
with or furnished to the Commission by the registrant pursuant to
Section&nbsp;13 or Section 15(d) of the Securities Exchange Act of 1934
that are incorporated by reference in this registration statement.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->4<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(2).</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment shall be
deemed to be a new registration statement relating to the securities
offered therein, and the offering of such securities at that time
shall be deemed to be the initial bona fide offering thereof.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(3).</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the
termination of the offering.</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(B). The undersigned registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant&#146;s annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934, (and, where applicable, each filing of an
employee benefit plan&#146;s annual report pursuant to Section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by reference in this
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(C). Insofar as indemnification for liabilities arising under the Securities Act
of 1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that
in the opinion of the Securities and Exchange Commission such indemnification is
against public policy as expressed in the Act and is, therefore, unenforceable.
In the event that a claim for indemnification against such liabilities (other
than the payment by the registrant of expenses incurred or paid by a director,
officer or controlling person of the registrant in the successful defense of any
action, suit or proceeding) is asserted by such director, officer or controlling
person in connection with the securities being registered, the registrant will,
unless in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether
such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such
issue.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->5<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SIGNATURES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>The Registrant. </B>Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the requirements for
filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of New York, State of New York, on this
27<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> day of October, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 50%">METLIFE, INC.

</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left"> /s/ C. Robert Henrikson&nbsp;
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">C. Robert Henrikson&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">Chairman, President and Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Each person whose signature appears below under the heading Signatures for Registration Statement
hereby individually, and not jointly with the other signatories, and as if this constituted a
separate power of attorney for each principal, authorizes and appoints C. Robert Henrikson, James
L. Lipscomb and Steven J. Goulart, each of whom may act individually and none of whom is required
to act jointly with any of the others, as such person&#146;s attorney-in-fact and agent, with full power
of substitution and resubstitution, to sign and file on such person&#146;s behalf in each capacity
stated below (i)&nbsp;any and all amendments (including post-effective amendments) to this registration
statement and any subsequent registration statement filed by MetLife, Inc. pursuant to Rule 462(b)
of the Securities Act of 1933, as amended, and (ii)&nbsp;any and all other instruments which any of such
attorneys-in-fact and agents deems necessary or advisable to comply with the Securities Act of
1933, the rules, regulations and requirements of the Securities and Exchange Commission and Blue
Sky or other state securities laws and regulations, as fully as such person could do in person,
hereby verifying and confirming all that such attorneys-in-fact, or his substitutes, may lawfully
do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers
of attorney.
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTICES RELATED TO POWERS OF ATTORNEY</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following notices are provided pursuant to the New York General Obligations Law since this
power of attorney may be executed in New York State.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">CAUTION TO THE PRINCIPAL: Your Power of Attorney is an important document. As the &#147;principal,&#148;
you give the person whom you choose (your &#147;agent&#148;) authority to spend your money and sell
or dispose of your property during your lifetime without telling you. You do not lose your
authority to act even though you have given your agent similar authority.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">When your agent exercises this authority, he or she must act according to any instructions you have
provided or, where there are no specific instructions, in your best interest. &#147;Important
Information for the Agent&#148; at the end of this document describes your agent&#146;s
responsibilities. Your agent can act on your behalf only after signing the Power of Attorney
before a notary public. You can request information from your agent at any time. If you are
revoking a prior Power of Attorney by executing this Power of Attorney, you should provide written
notice of the revocation to your prior agent(s) and to the financial institutions
where your accounts are located. You can revoke or terminate your Power of Attorney at any time
for any reason as long as you are of sound mind. If you are no longer of sound mind, a court can
remove an agent for acting improperly. Your agent cannot make health care decisions for you. You
may execute a &#147;Health Care Proxy&#148; to do this.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The law governing Powers of Attorney is contained in the New York General Obligations Law,
Article&nbsp;5,
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Title 15. This law is available at a law library, or online through the New York State Senate
or Assembly websites, <U>www.senate.state.ny.us</U> or <U>www.assembly.state.ny.us</U>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">If there is anything about this document that you do not understand, you should ask a lawyer of
your own choosing to explain it to you.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">IMPORTANT INFORMATION FOR THE AGENT:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">When you accept the authority granted under this Power of Attorney, a special legal relationship
is created between you and the principal. This relationship imposes on you legal
responsibilities that continue until you resign or the Power of Attorney is terminated or
revoked. You must:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;(1)&nbsp;act according to any instructions from the principal, or, where there are no
instructions, in the principal&#146;s best interest;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;(2)&nbsp;avoid conflicts that would impair your ability to act in the principal&#146;s best
interest;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;(3)&nbsp;keep the principal&#146;s property separate and distinct from any assets you own or
control, unless otherwise permitted by law;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;(4)&nbsp;keep a record or all receipts, payments, and transactions conducted for the
principal; and
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;(5)&nbsp;disclose your identity as an agent whenever you act for the principal by writing
or printing the principal&#146;s name and signing your own name as &#147;agent&#148; in either of the following
manner: (Principal&#146;s Name) by (Your Signature) as Agent, or (your signature) as Agent for
(Principal&#146;s Name).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">You may not use the principal&#146;s assets to benefit yourself or give major gifts to yourself
or anyone else unless the principal has specifically granted you that authority in this Power
of Attorney or in a Statutory Major Gifts Rider attached to this Power of Attorney. If you have
that authority, you must act according to any instructions of the principal or, where there are no
such instructions, in the principal&#146;s best interest. You may resign by giving written notice to
the principal and to any co-agent, successor agent, monitor if one has been named in this
document, or the principal&#146;s guardian if one has been appointed. If there is anything about this
document or your responsibilities that you do not understand, you should seek legal advice.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">Liability of agent:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The meaning of the authority given to you is defined in New York&#146;s General Obligations Law,
Article&nbsp;5, Title 15. If it is found that you have violated the law or acted outside the authority
granted to you in the Power of Attorney, you may be liable under the law for your
violation.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SIGNATURES FOR REGISTRATION STATEMENT</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been
signed by the following persons in the capacities and on the date indicated.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>NAME</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>TITLE</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>DATE</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Sylvia Mathews Burwell</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October
27, 2009&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Sylvia Mathews Burwell
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 10pt">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Eduardo Castro-Wright</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Eduardo Castro-Wright
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Burton A. Dole, Jr.
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Cheryl W. Gris&#233;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Cheryl W. Gris&#233;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ C. Robert Henrikson</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Chairman, President and Chief
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
C. Robert Henrikson
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Executive Officer</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Principal Executive Officer)</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ R. Glenn Hubbard</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
R. Glenn Hubbard
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ John M. Keane</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
John M. Keane
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Alfred F. Kelly, Jr.</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Alfred F. Kelly, Jr.
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ James M. Kilts</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
James M. Kilts
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Catherine R. Kinney</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Catherine R. Kinney
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Hugh B. Price</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Hugh B. Price
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ David Satcher&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
David Satcher
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>

<TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>NAME</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>TITLE</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 0px solid #000000"><B>DATE</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Kenton J. Sicchitano</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Kenton J. Sicchitano
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ William C. Steere, Jr.</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
William C. Steere, Jr.
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Lulu C. Wang</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Lulu C. Wang
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ William J. Wheeler</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Executive Vice President and
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
William J. Wheeler
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Chief Financial Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Principal Financial Officer)</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">/s/ Peter M. Carlson</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Executive Vice President, Finance
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Peter M. Carlson
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Operations and Chief Accounting</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Officer</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Principal Accounting Officer)</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>AGENTS&#146; SIGNATURES AND ACKNOWLEDGMENTS OF APPOINTMENT:</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">It is not required that the principal(s) and the agent(s) sign at the same time, nor
that multiple agents sign at the same time.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We, C. Robert Henrikson, James L. Lipscomb and Steven J. Goulart, have read the
foregoing Power of Attorney. We are the persons identified therein as agent(s) for
the principal(s) named therein.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">We acknowledge our legal responsibilities.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Agent(s) sign(s) here:==&#062;

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Date</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">/s/ C. Robert Henrikson</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 27, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
C. Robert Henrikson
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">/s/ James L. Lipscomb</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 30, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
James L. Lipscomb
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">/s/ Steven J. Goulart</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">October 29, 2009</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>
Steven J. Goulart
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><DIV style="width: 100%; border-bottom: 0px solid #000000; font-size: 1px">&nbsp;</DIV></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>



<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTARIZATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">STATE OF NEW YORK
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">COUNTY OF NEW YORK

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sylvia Mathews Burwell</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Eduardo Castro-Wright</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Burton A. Dole, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cheryl W. Gris&#233;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>C. Robert Henrikson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>R. Glenn Hubbard</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>John M. Keane</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Alfred F. Kelly, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James M. Kilts</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Catherine R. Kinney</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Hugh B. Price</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>David Satcher</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Kenton J. Sicchitano</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William C. Steere, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Lulu C. Wang</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William J. Wheeler</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Peter M. Carlson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James L. Lipscomb</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Steven J. Goulart</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 27<sup>th</sup> DAY OF October, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(SEAL)

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">/s/ Susan May</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">NOTARY PUBLIC</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">Susan May<BR>Notary
Public-State of New York<BR>
No. 01D16086282<BR>
Qualified in Queens County <BR>
My Commission Expires May&nbsp;21, 2011</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTARIZATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">STATE OF NEW YORK
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">COUNTY OF NEW YORK

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sylvia Mathews Burwell</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Eduardo Castro-Wright</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Burton A. Dole, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cheryl W. Gris&#233;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>C. Robert Henrikson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>R. Glenn Hubbard</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>John M. Keane</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Alfred F. Kelly, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James M. Kilts</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Catherine R. Kinney</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Hugh B. Price</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>David Satcher</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Kenton J. Sicchitano</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William C. Steere, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Lulu C. Wang</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William J. Wheeler</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Peter M. Carlson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James L. Lipscomb</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Steven J. Goulart</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 27<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> DAY OF OCTOBER, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(SEAL)

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">/s/ Brenda Chiarello</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">NOTARY PUBLIC</TD>
</TR>
<TR valign="top"><!-- Blank Space -->
 <TD><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD></TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">Brenda Chiarello<BR> Notary Public,
State of New York<BR> No. 01CH6020407<BR>
 Qualified in Queens County <BR>

Certificate Filed in New York County<BR>
Commission Expires March 1, 2011</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTARIZATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">STATE OF NEW YORK
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">COUNTY OF NEW YORK

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sylvia Mathews Burwell</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Eduardo Castro-Wright</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Burton A. Dole, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cheryl W. Gris&#233;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>C. Robert Henrikson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>R. Glenn Hubbard</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>John M. Keane</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Alfred F. Kelly, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James M. Kilts</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Catherine R. Kinney</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Hugh B. Price</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>David Satcher</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Kenton J. Sicchitano</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William C. Steere, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Lulu C. Wang</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William J. Wheeler</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Peter M. Carlson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James L. Lipscomb</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Steven J. Goulart</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS
27<SUP>th</SUP>
DAY OF OCTOBER, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">(SEAL)
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">/s/ Brenda Chiarello</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">NOTARY PUBLIC</TD>
</TR>
<TR valign="top"><!-- Blank Space -->
 <TD><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD></TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" valign="bottom">Brenda Chiarello<BR> Notary Public,
State of New York<BR> No. 01CH6020407 <BR>
Qualified in Queens County <BR>

Certificate Filed in New York County<BR>
Commission Expires March 1, 2011</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>




<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTARIZATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">STATE OF NEW YORK
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">COUNTY OF NEW YORK

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sylvia Mathews Burwell</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Eduardo Castro-Wright</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Burton A. Dole, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cheryl W. Gris&#233;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>C. Robert Henrikson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>R. Glenn Hubbard</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>John M. Keane</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Alfred F. Kelly, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James M. Kilts</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Catherine R. Kinney</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Hugh B. Price</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>David Satcher</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Kenton J. Sicchitano</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William C. Steere, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Lulu C. Wang</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William J. Wheeler</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Peter M. Carlson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James L. Lipscomb</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Steven J. Goulart</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS
30<SUP style="font-size: 85%; vertical-align: text-top">th</SUP>
DAY OF OCTOBER, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(SEAL)

</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">/s/ Brenda Chiarello</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">NOTARY PUBLIC</TD>
</TR>
<TR valign="top"><!-- Blank Space -->
 <TD><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD></TR>


<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">Brenda Chiarello<BR> Notary Public,
State of New York<BR> No. 01CH6020407<BR>
 Qualified in Queens County <BR>

Certificate Filed in New York County<BR>
Commission Expires March 1, 2011</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTARIZATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">STATE OF NEW YORK
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">COUNTY OF NEW YORK

</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Sylvia Mathews Burwell</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Eduardo Castro-Wright</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Burton A. Dole, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cheryl W. Gris&#233;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>C. Robert Henrikson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>R. Glenn Hubbard</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>John M. Keane</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Alfred F. Kelly, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James M. Kilts</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Catherine R. Kinney</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Hugh B. Price</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>David Satcher</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Kenton J. Sicchitano</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William C. Steere, Jr.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Lulu C. Wang</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>William J. Wheeler</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Peter M. Carlson</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#111;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>James L. Lipscomb</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B><FONT face="Wingdings">&#254;</FONT></B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Steven J. Goulart</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 29<sup>th</SUP> DAY OF OCTOBER, 2009.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">(SEAL)

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="60%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">/s/  Brenda Chiarello</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="bottom">NOTARY PUBLIC</TD>
</TR>
<TR>    <TD>&nbsp;</TD></TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="bottom">Brenda Chiarello<BR> Notary Public,
State of New York<BR> No. 01CH6020407<BR>
 Qualified in Queens County <BR>

Certificate Filed in New York County<BR>
Commission Expires March 1, 2011</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>


<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXHIBIT INDEX</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>Exhibit</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">

<TD nowrap align="left" style="border-bottom: 0px solid #000000"><B><U>Number</U></B></TD>
    <TD>&nbsp;</TD>

<TD nowrap align="center" style="border-bottom: 0px solid #000000"><B><U>Description</U></B></TD>
</TR>
<TR>
<TD>&nbsp;</TD>
</TR>




<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">MetLife Individual Distribution Sales Deferred Compensation Plan.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Matthew Ricciardi,
Esq., Chief Counsel-Public Company &amp; Corporate Law of Metropolitan Life
Insurance Company,
an affiliate of the Company, regarding the legality of the Obligations registered
hereunder.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Independent Registered Public Accounting Firm.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Matthew Ricciardi,
Esq., Chief Counsel-Public Company &amp; Corporate Law of Metropolitan Life
Insurance Company, an affiliate of the Company (included in
Exhibit&nbsp;5.1).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of Attorney (included on the signature page to this
registration statement).</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

</BODY>
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sv8
As
filed with the Securities and Exchange Commission on November 5, 2009
Registration No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
METLIFE, INC.
(Exact name of registrant as specified in its charter)
Delaware
13-4075851
(State or other jurisdiction of
(I.R.S. Employer Identification No.)
incorporation or organization)
200 Park Avenue
New York, New York 10166-0188
(Address of Principal Executive Offices) (Zip Code)
METLIFE INDIVIDUAL DISTRIBUTION SALES DEFERRED COMPENSATION PLAN
(Full title of the plan)
James L. Lipscomb, Esq.
Executive Vice President and General Counsel
MetLife, Inc.
200 Park Avenue
New York, New York 10166-0188
(212) 578-2211
(Name, address, including zip code, and telephone number,
including area code, of agent for service)
Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, or a smaller
reporting company. See the definitions of "large accelerated
filer," "accelerated filer" and "smaller
reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
þ
Accelerated filer
o
Non-accelerated filer
o
Smaller reporting company
o
(Do not check if a smaller
reporting company)
CALCULATION OF REGISTRATION FEE
Proposed maximum
Proposed maximum
Title of securities to
Amount to be
offering price per
aggregate offering
Amount of
be registered
registered
share
price (2)
registration fee
Obligations Under
MetLife Individual Distribution Sales Deferred
Compensation Plan (1)
$40,000,000
100%
$40,000,000
$2,232
(1)
The obligations under the MetLife Individual Distribution Sales Deferred Compensation
Plan are unsecured general obligations of MetLife,
Inc. to pay deferred compensation in accordance with the terms of the
MetLife Individual Distribution Sales Deferred Compensation Plan.
(2)
Estimated, in accordance with Rule 457(h) under the Securities Act of 1933, solely for the purpose of determining the registration fee.
Part II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
Item
3. Incorporation of Documents by Reference.
The following documents filed with the U.S. Securities and Exchange Commission (the "Commission") by MetLife, Inc. (the
"Company") are incorporated herein by reference and made a
part hereof:
(a)  The
Company's Annual Report on Form 10-K for the year ended December 31,
2008 and the portions of the Company's proxy statement for its
2009 Annual Meeting of Stockholders incorporated by reference into
the Form 10-K; and
(b)  All
other reports filed pursuant to Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 since December 31, 2008.
All
documents subsequently filed by the Company pursuant
to Sections 13(a), 13(c), 14 and 15(d) of the Securities
Exchange Act of 1934, prior to the filing
of a post-effective amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall
be deemed to be incorporated by reference in this registration statement and to
be a part hereof from the date of filing of such documents. Any statement
contained in a document incorporated by reference
herein shall be deemed to be modified or superseded for purposes of this
registration statement to the extent that a statement contained herein or in any
subsequently filed document which also is incorporated by
reference herein modifies or supersedes such statement. Any such statement as so
modified or superseded shall not be deemed, except as so modified or superseded,
to constitute a part hereof.
Item
4. Description of Securities.
Under
the MetLife Individual Distribution Sales Deferred Compensation Plan (the "Plan"), the Company will
provide eligible participants the opportunity to agree to the deferral of a portion of their compensation from Metropolitan Life Insurance Company.
The obligations of the Company (the "Obligations") under the
 Plan will be unsecured general obligations
of the Company to pay deferred compensation in the future in
accordance with the terms of the Plan, which
is filed as Exhibit 4.1 to this registration statement, and will rank equal in right of payment to other unsecured and unsubordinated indebtedness of the Company from time to time outstanding. This
description of the Obligations is qualified in its entirety by
reference to Exhibit 4.1, which is incorporated herein by
reference pursuant to Rule 411 (b)(3) under the Securities Act of 1933.
The
Plan is administered by a plan administrator (the "Plan Administrator"). The Plan Administrator
may amend, suspend or terminate the Plan at any time, except that no such
amendment, suspension or termination shall reduce the amount of the deferred
accounts of a participant as of the date of such amendment, suspension or
termination.
The Obligations are not convertible into another security of the Company.
The Obligations will not have the benefit of a negative pledge or any other
affirmative or negative covenant on the part of the Company. No trustee has been
appointed having the authority to take action with respect to the Obligations
and each participant will be responsible for acting independently with respect
to, among other things, the giving of notices, responding to any requests for
consents, waivers or amendments pertaining to the Obligations, enforcing
covenants and taking action upon default.
The amount of compensation to be deferred by each participant will be
determined in accordance with the Plan based on elections by each participant.
Each Obligation will be payable
1
beginning on a date selected by each participant in accordance with the terms of
the Plan, except as otherwise determined under the Plan. The Obligations will be
denominated and be payable in United States dollars.
A participant's right or the right of any other person to the Obligations
cannot be assigned, alienated, sold, garnished, transferred, pledged, or
encumbered except by a written designation of a beneficiary under the Plan, by
written will, by the laws of descent and distribution, or by a
qualified domestic relations order. Payments due after the
death of the participant are made to the beneficiary designated by the
participant under the Plan, or if there has been no designation, to
the participant's estate.
The value of a participant's deferred compensation account will be
adjusted to reflect the simulated investment performance of one or more
investment funds offered under the Plan (the "Investment Tracking Funds") and
selected by the participant for such purposes in the deferral election. The
simulated investment performance will be on a total return basis, giving effect
to increases or decreases in value of the selected Investment Tracking Funds
plus dividends, if any, on a reinvested basis.
The
primary source of the Company's liquidity is dividends it receives
from its insurance subsidiaries. The Company's insurance subsidiaries are
subject to regulatory restrictions on the payment of dividends imposed by the
regulators of their respective domiciles. The dividend limitation for U.S.
insurance subsidiaries is based on the surplus to policyholders at the
immediately preceding calendar year and statutory net gain from operations for
the immediately preceding calendar year. Statutory accounting practices, as
prescribed by insurance regulators of various states in which the Company
conducts business, differ in certain respects from accounting principles used in
financial statements prepared in conformity with GAAP. The significant
differences relate to the treatment of deferred policy acquisition costs,
certain deferred income tax, required investment reserves, reserve calculation
assumptions, goodwill and surplus notes. Management of the Company cannot provide
 assurances that the Company's insurance subsidiaries will have statutory
 earnings to support payment of dividends to the Company in an amount sufficient
 to fund its cash requirements and pay cash dividends and that the applicable
 insurance departments will not disapprove any dividends that such insurance
 subsidiaries must submit for approval.
The table below sets forth the dividends permitted to be paid by
    the respective insurance subsidiary without insurance regulatory
    approval:
2009
Permitted w/o
Company
Approval (1)
(In millions)
Metropolitan Life Insurance Company
$
552
MetLife Insurance Company of Connecticut
$
714
Metropolitan Tower Life Insurance Company
$
88
Metropolitan Property and Casualty Insurance Company
$
9
(1)
Reflects dividend amounts that may be paid during 2009 without
    prior regulatory approval. However, if paid before a specified
    date during 2009, some or all of such dividends may require
    regulatory approval.
Liquidity is also provided by a variety of short-term instruments, including commercial paper. Capital is provided by a variety of instruments, including medium- and long-term debt, junior subordinated debt securities, collateral financing arrangements, capital securities
and stockholders' equity. The diversity of the Company's funding sources
enhances funding flexibility and limits dependence on any one source of funds
and generally lowers the cost of funds. Other sources of the Company's liquidity
include programs for short- and long-term borrowing, as needed.
The Company is subject to risk-based and leverage capital guidelines
issued by the federal banking regulatory agencies for banks and financial
holding companies. The federal banking regulatory agencies are required by law
to take specific prompt corrective actions with respect to institutions that do
not meet minimum capital standards.
2
Item
5. Interests of Named Experts and Counsel.
The
validity of the Obligations will be passed upon for the Company by
Matthew Ricciardi, Esq., Chief Counsel — Public Company &
Corporate Law of Metropolitan Life Insurance Company, an affiliate of the Company. Mr.
Ricciardi is paid a salary by an affiliate of the Company, is a participant in various
employee benefit plans offered by the Company and its affiliates to
employees generally, holds common stock of the Company and is paid equity-based compensation in accordance
with the Company's compensation programs.
Item
6. Indemnification of Directors and Officers.
The Company's directors and officers may be indemnified against
liabilities, fines, penalties and claims imposed upon or asserted against them
as provided in the Delaware General Corporation Law, the Company's Amended
and Restated Certificate of Incorporation and Amended and Restated
By-Laws, and (in the case of the Company's directors) the MetLife, Inc. Director Indemnity Plan. Such
indemnification covers all costs and expenses incurred by a director or officer
in his capacity as such. The stockholders of the Company, the Board of Directors, by a majority vote of a quorum
of disinterested directors or by determination of a committee of
disinterested directors appointed by the Board, or, under certain circumstances, independent counsel
appointed by the Board of Directors, must determine that the director or officer
seeking indemnification satisfied the applicable standard of conduct
set forth in the Delaware General Corporation Law
and the Amended and Restated By-Laws of the Company. In addition, the Delaware General Corporation Law
and the Company's Amended and Restated Certificate of Incorporation may, under
certain circumstances, eliminate the liability of directors and officers in a
stockholder or derivative proceeding.
If the person involved is not a director or officer of the Company, the
Board of Directors may cause the Company to indemnify, to the same extent
allowed for the Company's directors and officers, such person who was or is a
party to a proceeding by reason of the fact that he is or was the Company's
employee or agent, or is or was serving at the Company's request as director,
officer, employee or agent of another corporation, partnership, joint venture,
trust, employee benefit plan or other entity.
The Company has in force and effect policies insuring its directors and
officers against losses which they or any of them will become legally obligated
to pay by reason of any actual or alleged error or misstatement or misleading
statement or act or omission or neglect or breach of duty by the directors and
officers in the discharge of their duties, individually or collectively, or any
matter claimed against them by reason of their being directors or
officers. Such coverage is limited by the specific terms and provisions of the
insurance policies.
Item
7. Exemption From Registration Claimed.
Not applicable.
3
Item
8. Exhibits.
The
Exhibits to this registration statement are listed in the Exhibit Index of this registration
statement, which index is incorporated herein by reference.
Item
9. Undertakings.
(A). The
undersigned registrant hereby undertakes:
(1).
To file, during any period in which offers or sales are being made,
a post-effective amendment to this registration statement:
(i) to include any prospectus required by Section 10(a)(3) of the
Securities Act of 1933;
(ii) to reflect in the prospectus any facts or events arising after the
effective date of this registration statement (or the most recent
post-effective
amendment thereof) which, individually or in the
aggregate, represent a fundamental change in the information set
forth in this registration statement. Notwithstanding the foregoing,
any increase or decrease in volume of securities offered (if the
total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the
estimated maximum offering range may be reflected in the form of
prospectus filed with the Commission pursuant to Rule 424(b) if, in
the aggregate, the changes in volume and price represent no more
than a 20% change in the maximum aggregate offering price set forth
in the "Calculation of Registration Fee" table in this effective
registration statement;
(iii) to include any material information with respect to the plan of
distribution not previously disclosed in this registration statement
or any material change to such information in this registration
statement;
provided, however,
that paragraphs (A)(1)(i) and (A)(1)(ii) do not apply
if the information required to be included in a post-effective
amendment by those paragraphs is contained in periodic reports filed
with or furnished to the Commission by the registrant pursuant to
Section 13 or Section 15(d) of the Securities Exchange Act of 1934
that are incorporated by reference in this registration statement.
4
(2).
That, for the purpose of determining any liability under the
Securities Act of 1933, each such post-effective amendment shall be
deemed to be a new registration statement relating to the securities
offered therein, and the offering of such securities at that time
shall be deemed to be the initial bona fide offering thereof.
(3).
To remove from registration by means of a post-effective amendment
any of the securities being registered which remain unsold at the
termination of the offering.
(B). The undersigned registrant hereby undertakes that, for purposes of
determining any liability under the Securities Act of 1933, each filing of the
registrant's annual report pursuant to Section 13(a) or Section 15(d) of the
Securities Exchange Act of 1934, (and, where applicable, each filing of an
employee benefit plan's annual report pursuant to Section 15(d) of the
Securities Exchange Act of 1934) that is incorporated by reference in this
registration statement shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof.
(C). Insofar as indemnification for liabilities arising under the Securities Act
of 1933 may be permitted to directors, officers and controlling persons of the
registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that
in the opinion of the Securities and Exchange Commission such indemnification is
against public policy as expressed in the Act and is, therefore, unenforceable.
In the event that a claim for indemnification against such liabilities (other
than the payment by the registrant of expenses incurred or paid by a director,
officer or controlling person of the registrant in the successful defense of any
action, suit or proceeding) is asserted by such director, officer or controlling
person in connection with the securities being registered, the registrant will,
unless in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether
such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such
issue.
5
SIGNATURES
The Registrant.
Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the requirements for
filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the City of New York, State of New York, on this
27
th
day of October, 2009.
METLIFE, INC.
By:
/s/ C. Robert Henrikson
Name:
C. Robert Henrikson
Title:
Chairman, President and Chief Executive Officer
Each person whose signature appears below under the heading Signatures for Registration Statement
hereby individually, and not jointly with the other signatories, and as if this constituted a
separate power of attorney for each principal, authorizes and appoints C. Robert Henrikson, James
L. Lipscomb and Steven J. Goulart, each of whom may act individually and none of whom is required
to act jointly with any of the others, as such person's attorney-in-fact and agent, with full power
of substitution and resubstitution, to sign and file on such person's behalf in each capacity
stated below (i) any and all amendments (including post-effective amendments) to this registration
statement and any subsequent registration statement filed by MetLife, Inc. pursuant to Rule 462(b)
of the Securities Act of 1933, as amended, and (ii) any and all other instruments which any of such
attorneys-in-fact and agents deems necessary or advisable to comply with the Securities Act of
1933, the rules, regulations and requirements of the Securities and Exchange Commission and Blue
Sky or other state securities laws and regulations, as fully as such person could do in person,
hereby verifying and confirming all that such attorneys-in-fact, or his substitutes, may lawfully
do or cause to be done by virtue hereof. This Power of Attorney does not revoke any prior powers
of attorney.
NOTICES RELATED TO POWERS OF ATTORNEY
The following notices are provided pursuant to the New York General Obligations Law since this
power of attorney may be executed in New York State.
CAUTION TO THE PRINCIPAL: Your Power of Attorney is an important document. As the "principal,"
you give the person whom you choose (your "agent") authority to spend your money and sell
or dispose of your property during your lifetime without telling you. You do not lose your
authority to act even though you have given your agent similar authority.
When your agent exercises this authority, he or she must act according to any instructions you have
provided or, where there are no specific instructions, in your best interest. "Important
Information for the Agent" at the end of this document describes your agent's
responsibilities. Your agent can act on your behalf only after signing the Power of Attorney
before a notary public. You can request information from your agent at any time. If you are
revoking a prior Power of Attorney by executing this Power of Attorney, you should provide written
notice of the revocation to your prior agent(s) and to the financial institutions
where your accounts are located. You can revoke or terminate your Power of Attorney at any time
for any reason as long as you are of sound mind. If you are no longer of sound mind, a court can
remove an agent for acting improperly. Your agent cannot make health care decisions for you. You
may execute a "Health Care Proxy" to do this.
The law governing Powers of Attorney is contained in the New York General Obligations Law,
Article 5,
Title 15. This law is available at a law library, or online through the New York State Senate
or Assembly websites,
www.senate.state.ny.us
or
www.assembly.state.ny.us
.
If there is anything about this document that you do not understand, you should ask a lawyer of
your own choosing to explain it to you.
IMPORTANT INFORMATION FOR THE AGENT:
When you accept the authority granted under this Power of Attorney, a special legal relationship
is created between you and the principal. This relationship imposes on you legal
responsibilities that continue until you resign or the Power of Attorney is terminated or
revoked. You must:
(1) act according to any instructions from the principal, or, where there are no
instructions, in the principal's best interest;
(2) avoid conflicts that would impair your ability to act in the principal's best
interest;
(3) keep the principal's property separate and distinct from any assets you own or
control, unless otherwise permitted by law;
(4) keep a record or all receipts, payments, and transactions conducted for the
principal; and
(5) disclose your identity as an agent whenever you act for the principal by writing
or printing the principal's name and signing your own name as "agent" in either of the following
manner: (Principal's Name) by (Your Signature) as Agent, or (your signature) as Agent for
(Principal's Name).
You may not use the principal's assets to benefit yourself or give major gifts to yourself
or anyone else unless the principal has specifically granted you that authority in this Power
of Attorney or in a Statutory Major Gifts Rider attached to this Power of Attorney. If you have
that authority, you must act according to any instructions of the principal or, where there are no
such instructions, in the principal's best interest. You may resign by giving written notice to
the principal and to any co-agent, successor agent, monitor if one has been named in this
document, or the principal's guardian if one has been appointed. If there is anything about this
document or your responsibilities that you do not understand, you should seek legal advice.
Liability of agent:
The meaning of the authority given to you is defined in New York's General Obligations Law,
Article 5, Title 15. If it is found that you have violated the law or acted outside the authority
granted to you in the Power of Attorney, you may be liable under the law for your
violation.
SIGNATURES FOR REGISTRATION STATEMENT
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been
signed by the following persons in the capacities and on the date indicated.
NAME
TITLE
DATE
/s/ Sylvia Mathews Burwell
Director
October
27, 2009
Sylvia Mathews Burwell
/s/ Eduardo Castro-Wright
Director
October 27, 2009
Eduardo Castro-Wright
Director
Burton A. Dole, Jr.
/s/ Cheryl W. Grisé
Director
October 27, 2009
Cheryl W. Grisé
/s/ C. Robert Henrikson
Chairman, President and Chief
October 27, 2009
C. Robert Henrikson
Executive Officer
(Principal Executive Officer)
/s/ R. Glenn Hubbard
Director
October 27, 2009
R. Glenn Hubbard
/s/ John M. Keane
Director
October 27, 2009
John M. Keane
/s/ Alfred F. Kelly, Jr.
Director
October 27, 2009
Alfred F. Kelly, Jr.
/s/ James M. Kilts
Director
October 27, 2009
James M. Kilts
/s/ Catherine R. Kinney
Director
October 27, 2009
Catherine R. Kinney
/s/ Hugh B. Price
Director
October 27, 2009
Hugh B. Price
/s/ David Satcher
Director
October 27, 2009
David Satcher
NAME
TITLE
DATE
/s/ Kenton J. Sicchitano
Director
October 27, 2009
Kenton J. Sicchitano
/s/ William C. Steere, Jr.
Director
October 27, 2009
William C. Steere, Jr.
/s/ Lulu C. Wang
Director
October 27, 2009
Lulu C. Wang
/s/ William J. Wheeler
Executive Vice President and
October 27, 2009
William J. Wheeler
Chief Financial Officer
(Principal Financial Officer)
/s/ Peter M. Carlson
Executive Vice President, Finance
October 27, 2009
Peter M. Carlson
Operations and Chief Accounting
Officer
(Principal Accounting Officer)
AGENTS' SIGNATURES AND ACKNOWLEDGMENTS OF APPOINTMENT:
It is not required that the principal(s) and the agent(s) sign at the same time, nor
that multiple agents sign at the same time.
We, C. Robert Henrikson, James L. Lipscomb and Steven J. Goulart, have read the
foregoing Power of Attorney. We are the persons identified therein as agent(s) for
the principal(s) named therein.
We acknowledge our legal responsibilities.
Agent(s) sign(s) here:==>
Date
/s/ C. Robert Henrikson
October 27, 2009
C. Robert Henrikson
/s/ James L. Lipscomb
October 30, 2009
James L. Lipscomb
/s/ Steven J. Goulart
October 29, 2009
Steven J. Goulart
NOTARIZATION
STATE OF NEW YORK
COUNTY OF NEW YORK
Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
þ
Sylvia Mathews Burwell
þ
Eduardo Castro-Wright
o
Burton A. Dole, Jr.
þ
Cheryl W. Grisé
þ
C. Robert Henrikson
þ
R. Glenn Hubbard
þ
John M. Keane
þ
Alfred F. Kelly, Jr.
þ
James M. Kilts
þ
Catherine R. Kinney
þ
Hugh B. Price
þ
David Satcher
þ
Kenton J. Sicchitano
þ
William C. Steere, Jr.
þ
Lulu C. Wang
o
William J. Wheeler
o
Peter M. Carlson
o
James L. Lipscomb
o
Steven J. Goulart
personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 27
th
DAY OF October, 2009.
(SEAL)
/s/ Susan May
NOTARY PUBLIC
Susan May
Notary
Public-State of New York
No. 01D16086282
Qualified in Queens County
My Commission Expires May 21, 2011
NOTARIZATION
STATE OF NEW YORK
COUNTY OF NEW YORK
Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
o
Sylvia Mathews Burwell
o
Eduardo Castro-Wright
o
Burton A. Dole, Jr.
o
Cheryl W. Grisé
o
C. Robert Henrikson
o
R. Glenn Hubbard
o
John M. Keane
o
Alfred F. Kelly, Jr.
o
James M. Kilts
o
Catherine R. Kinney
o
Hugh B. Price
o
David Satcher
o
Kenton J. Sicchitano
o
William C. Steere, Jr.
o
Lulu C. Wang
þ
William J. Wheeler
o
Peter M. Carlson
o
James L. Lipscomb
o
Steven J. Goulart
personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 27
th
DAY OF OCTOBER, 2009.
(SEAL)
/s/ Brenda Chiarello
NOTARY PUBLIC
Brenda Chiarello
Notary Public,
State of New York
No. 01CH6020407
Qualified in Queens County
Certificate Filed in New York County
Commission Expires March 1, 2011
NOTARIZATION
STATE OF NEW YORK
COUNTY OF NEW YORK
Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
o
Sylvia Mathews Burwell
o
Eduardo Castro-Wright
o
Burton A. Dole, Jr.
o
Cheryl W. Grisé
o
C. Robert Henrikson
o
R. Glenn Hubbard
o
John M. Keane
o
Alfred F. Kelly, Jr.
o
James M. Kilts
o
Catherine R. Kinney
o
Hugh B. Price
o
David Satcher
o
Kenton J. Sicchitano
o
William C. Steere, Jr.
o
Lulu C. Wang
o
William J. Wheeler
þ
Peter M. Carlson
o
James L. Lipscomb
o
Steven J. Goulart
personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS
27
th
DAY OF OCTOBER, 2009.
(SEAL)
/s/ Brenda Chiarello
NOTARY PUBLIC
Brenda Chiarello
Notary Public,
State of New York
No. 01CH6020407
Qualified in Queens County
Certificate Filed in New York County
Commission Expires March 1, 2011
NOTARIZATION
STATE OF NEW YORK
COUNTY OF NEW YORK
Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
o
Sylvia Mathews Burwell
o
Eduardo Castro-Wright
o
Burton A. Dole, Jr.
o
Cheryl W. Grisé
o
C. Robert Henrikson
o
R. Glenn Hubbard
o
John M. Keane
o
Alfred F. Kelly, Jr.
o
James M. Kilts
o
Catherine R. Kinney
o
Hugh B. Price
o
David Satcher
o
Kenton J. Sicchitano
o
William C. Steere, Jr.
o
Lulu C. Wang
o
William J. Wheeler
o
Peter M. Carlson
þ
James L. Lipscomb
o
Steven J. Goulart
personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS
30
th
DAY OF OCTOBER, 2009.
(SEAL)
/s/ Brenda Chiarello
NOTARY PUBLIC
Brenda Chiarello
Notary Public,
State of New York
No. 01CH6020407
Qualified in Queens County
Certificate Filed in New York County
Commission Expires March 1, 2011
NOTARIZATION
STATE OF NEW YORK
COUNTY OF NEW YORK
Before me, the undersigned authority, on this day personally appeared (check applicable
individual(s)):
o
Sylvia Mathews Burwell
o
Eduardo Castro-Wright
o
Burton A. Dole, Jr.
o
Cheryl W. Grisé
o
C. Robert Henrikson
o
R. Glenn Hubbard
o
John M. Keane
o
Alfred F. Kelly, Jr.
o
James M. Kilts
o
Catherine R. Kinney
o
Hugh B. Price
o
David Satcher
o
Kenton J. Sicchitano
o
William C. Steere, Jr.
o
Lulu C. Wang
o
William J. Wheeler
o
Peter M. Carlson
o
James L. Lipscomb
þ
Steven J. Goulart
personally known to me or proved to me on the basis of satisfactory evidence to be the
persons whose names are subscribed to the foregoing instrument, and acknowledged to me that
he/she/they executed the same in his/her/their capacities, and that by his/her/their signature(s)
on the instrument, the individual(s), or the person on behalf of whom the individual(s) acted,
executed this instrument for the purposes and consideration therein expressed.
GIVEN
UNDER MY HAND AND SEAL OF OFFICE THIS 29
th
DAY OF OCTOBER, 2009.
(SEAL)
/s/  Brenda Chiarello
NOTARY PUBLIC
Brenda Chiarello
Notary Public,
State of New York
No. 01CH6020407
Qualified in Queens County
Certificate Filed in New York County
Commission Expires March 1, 2011
EXHIBIT INDEX
Exhibit
Number
Description
4.1
MetLife Individual Distribution Sales Deferred Compensation Plan.
5.1
Opinion of Matthew Ricciardi,
Esq., Chief Counsel-Public Company & Corporate Law of Metropolitan Life
Insurance Company,
an affiliate of the Company, regarding the legality of the Obligations registered
hereunder.
23.1
Consent of Independent Registered Public Accounting Firm.
23.2
Consent of Matthew Ricciardi,
Esq., Chief Counsel-Public Company & Corporate Law of Metropolitan Life
Insurance Company, an affiliate of the Company (included in
Exhibit 5.1).
24.1
Power of Attorney (included on the signature page to this
registration statement).