Sustainability For Our For Our Creating Value For the For Our Managing Appendix at MetLife Workforce Customers as an Investor Environment Communities Responsibly Forward-Looking Statements This report may contain or incorporate by reference These factors include: (15) investment sales or lending difficulties; information that includes or is based upon forward- (1) economic condition difficulties, including (16) collateral or derivative-related payments; looking statements within the meaning of the risks relating to public health, interest rates, (17) investment valuations, allowances, or Private Securities Litigation Reform Act of 1995. credit spreads, equity, real estate, obligors impairments changes; Forward-looking statements give expectations or and counterparties, currency exchange rates, forecasts of future events and do not relate strictly derivatives, and terrorism and security; (18) claims or other results that differ from our to historical or current facts. They use words and estimates, assumptions or models; terms such as “anticipate,” “assume,” “believe,” (2) global capital and credit market adversity; (19) global political, legal or operational risks; “continue,” “could,” “estimate,” “expect,” “if,” “intend,” (3) credit facility inaccessibility; (20) business competition; “likely,” “may,” “plan,” “potential,” “project,” “should,” (4) financial strength or credit ratings downgrades; “will,” “would” and other words and terms of similar (21) technological changes; meaning or that are otherwise tied to future periods (5) unavailability, unaffordability or (22) catastrophes; or future performance, in each case in all derivative inadequate reinsurance; forms. They include statements relating to future (6) statutory life insurance reserve financing (23) climate changes or responses to it; actions, prospective services or products, future costs or limited market capacity; (24) deficiencies in our closed block; performance or results of current and anticipated (7) legal, regulatory, and supervisory and (25) goodwill or other asset impairment, or services or products, future sales efforts, future enforcement policy changes; deferred income tax asset allowance; expenses, the outcome of contingencies such as (8) changes in tax rates, tax laws or interpretations; (26) acceleration of amortization of deferred legal proceedings, and future trends in operations policy acquisition costs, deferred sales and financial results. (9) litigation and regulatory investigations; inducements, value of business acquired, Many factors determine company results, and (10) London Interbank Offered Rate value of distribution agreements acquired or they involve unpredictable risks and uncertainties. discontinuation and transition to alternative value of customer relationships acquired; Our forward-looking statements depend on reference rates; (27) pr oduct guarantee volatility, costs and our assumptions, our expectations and our (11) unsuccessful efforts to meet all environmental, counterparty risks; understanding of the economic environment, but social and governance standards or to (28) risk management failures; they may be inaccurate and may change. We do enhance our sustainability; not guarantee any future performance. Our results (12) MetLife, Inc.’s inability to pay dividends and (29) insufficient protection from operational risks; could differ materially from those we express or repurchase common stock; (30) failure to protect confidentiality and integrity imply in forward-looking statements. The risks, (13) MetLife, Inc.’s subsidiaries’ inability to pay of data or other cybersecurity or disaster uncertainties and other factors, including those it dividends; recovery failures; relating to the COVID-19 pandemic, identified in (31) accounting standards changes; MetLife, Inc.’s filings with the U.S. Securities and (14) investment defaults, downgrades or volatility; Exchange Commission, and others, may cause such differences. 2021 SUSTAINABILITY REPORT 148