QUANTUMONLINE.COM SECURITY DESCRIPTION:  MetLife Capital Trust II & MetLife Capital Trust III, 6.375% Common Equity Units, with a stated amount $25 per unit until the initial stock purchase date and $12.50 per unit thereafter. The common equity units initially consist of normal common equity units which include a stock purchase contract and a 1/80 interest in a 4.82% MetLife Capital Trust II series A trust preferred stock due 2039 with a principal amount of $1000, and a 1/80 interest in a 4.91% MetLife Capital Trust III series B trust preferred stock due 2040 with a principal amount of $1000. The stock purchase contract requires the holder to purchase for $12.50 a variable number of shares of MetLife Inc. (NYSE: MET) common stock no later than 8/15/2008 (which may be extended to 2/15/2009) and to purchase for $12.50 a variable number of shares of MetLife Inc. common stock no later than 2/15/2009 (which may be extended to 2/15/2010), and pays a contract adjustment rate of 1.510% per annum until the initial purchase date and 1.465% thereafter. The stock purchase settlement rate will be based on a settlement rate equal to the sum of the daily amounts for 20 trading days beginning on July 9, 2008 for the initial purchase and January 7, 2009 for the second purchase. The daily amount when the closing price is less than or equal to the reference price of $43.35 is equal to 1/20 times $12.50 divided by the reference price. The daily amount when the closing price is greater than the reference price but less that the threshold appreciation price of $53.10 is 1/20 times $12.50 divided by the closing price. The daily amount when the closing price is greater than or equal to the threshold appreciation price is equal to 1/20 times $12.50 divided by the threshold appreciation price. As a result, the holder will not share in any appreciation of the common stock between the reference price and the threshold appreciation price but will bear the risk of any decline in the price of the common stock below the reference price. Prior to the IPO of this security, the last reported sale price of the common stock on 6/15/2005 was $43.35 per share. The trust preferred securities are due 2039 and 2040 and are subject to reset and remarketing on 8/15/2008 for the series A preferreds and 2/15/2009 for the series B preferreds. The normal common equity units pay quarterly distributions of 6.375% ($1.59375) per annum on 2/15, 5/15, 8/15 & 11/15 to holders of record on the first day of the month in which the payment is due. The trust preferred securities are pledged as collateral to secure the holder's obligations under the stock purchase contract. The holder has the right at any time to convert the normal common equity units to stripped common equity units by the substitution of a specified zero-coupon U.S. Treasury security for the trust preferred securities and to later recreate normal common equity units. The trust preferred securities will rank equally with the company's other trust preferred securities. See the IPO prospectus for extensive additional information on the common equity units and their mandatory conversion provisions by clicking on the ‘Link to IPO Prospectus’ provided below.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Conversion Shares@Price	Distribution Dates	15% Tax Rate
NYSE Chart	6.38% $1.59375	$25.00 n.a.	8/15/2008 2/15/2009	WR BBB 7/23/2009	see note see note	2/15, 5/15, 8/15 & 11/15 Click for MW ExDiv Date Click for Yahoo ExDiv Date	No

Company's Online Information Links

HOME PAGE:     http://www.metlife.com/
Company's Investor Relations Information (Link to Company's Investor Financial information.)	Go to Investor Relations Information
Company's Online News Releases	Go to News Releases
Online Company Profile	Go to Online Profile

Company's Online SEC EDGAR Filings

Company's SEC EDGAR Filings

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Company's Email Address Links

Inv Rel Email Address	metir@metlife.com
General Email Address	info@metlife.com
Email Contact Form on Website	Go to Email Form

Address and Phone Numbers

Address:   200 Park Avenue, New York, NY 10166
Main Phone Number	212-578-2211
Fax Number	212-578-3320
Investor Relations   John McCallion	212-578-7888
Toll Free Phone Number	800-638-5433

CEO - C. Robert Henrikson

CFO - William J. Wheeler