METROPOLITAN LIFE INSURANCE COMPANY

                                [200 Park Place

                              New York, NY 10166]

FIXED ACCOUNT RIDER

This rider is made part of the basic contract/certificate to which it is
attached. The date of issue of the rider is the same as that of the
contract/certificate unless a different date is shown on the
Contract/Certificate Specifications page. Except as provided in this rider, the
Fixed Account is treated the same as an Underlying Fund.

When the Contract Owner or You if so authorized, direct Us to do so, We will
apply all or any part of the Purchase Payments to Your Individual Account to
the Fixed Account.

                               PURCHASE PAYMENTS

The Purchase Payments are the payments the Contract Owner and/or You allocate
to the Fixed Account. No Purchase Payment after the first is required to keep
the Fixed Account in effect, as long as the contract/certificate is in effect.
We may restrict Purchase Payments to the Fixed Account if the credited interest
rate on the Fixed Account is equal to the Minimum Guaranteed Interest Rate
shown on the Contract/Certificate Specifications pages.

We will apply the allocation of the first net Purchase Payment paid for the
Fixed Account to provide Accumulation Units to the Fixed Account within two
business days after it is received in good order at Our Office. We will apply
any allocation of the net Purchase Payments after the first net Purchase
Payment to the Fixed Account as of the day We receive it at Our Office.

                             VALUATION INFORMATION

For the purpose of the Fixed Account only, the VALUATION INFORMATION section of
the basic contract/certificate is amended by deleting the following provisions:

    1. "Number of Accumulation Units;"

    2. "Accumulation Unit Value;" and

    3. "Net Investment Factor;"

and the following provisions are added.

NUMBER OF ACCUMULATION UNITS

We will determine the number of Accumulation Units to be credited to the Fixed
Account by dividing the net Purchase Payment applied to the Fixed Account by
the applicable Accumulation Unit Value of the Fixed Account.

ACCUMULATION UNIT VALUE

We will determine the value of an Accumulation Unit for the Fixed Account on
any day by multiplying:

    a) the value on the immediately preceding date; by

    b) the net interest factor for the day on which the value is being
       determined.

NET INTEREST FACTOR

The net interest factor for a day is:

    1. the assured Net Interest Rate which is equivalent to an annual interest
       rate of 3%, plus

    2. any interest in excess of the assured Net Interest Rate (3%) credited at
       Our discretion, plus

    3. 1.000000.

                    INTEREST CREDITED TO THE FIXED ACCOUNT

The initial interest rate for any Purchase Payment is declared each month and
is guaranteed for twelve months. Each Purchase Payment is placed in a "cell"
for interest crediting purposes. At the end of the twelve month guarantee
period, a renewal interest rate will be determined that will not be lower than
the minimum interest rate guarantee shown on the Contract/Certificate
Specification pages. At the end of the initial guarantee period, the first
renewal rate will be guaranteed to the end of that calendar year. The second
and all future renewal rates will be declared each subsequent January 1 and
guaranteed through December 31 of each year.

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Interest will be compounded and credited to the Fixed Account at a daily rate
equivalent to the effective annual interest rate as determined by Us. The rate
will never be less than the guaranteed minimum interest rate shown on the
Contract/Certificate Specifications pages. Additional amounts may be credited
by Us for the guaranteed interest periods shown on the Contract/Certificate
Specifications page. We may offer customers different interest rates.

         TRANSFERS BETWEEN THE UNDERLYING FUNDS AND THE FIXED ACCOUNT

Amounts may generally be transferred from the Underlying Funds to the Fixed
Account at any time. Amounts may be transferred from the Fixed Account to the
Underlying Funds as described on the Contract/Certificate Specifications page.
No transfers will be allowed between the Fixed Account and any Competing Fund
in the Plan. Amounts previously transferred from the Fixed Account to the
Underlying Funds may not be transferred back to the Fixed Account or any
Competing Fund for a period of at least 3 months from the date of transfer. We
reserve the right to limit the number of transfers and percentage of Cash
Value, as shown on the Contract/Certificate Specifications page, to be
transferred from the Fixed Account to the Underlying Funds and to contracts not
issued by Us. The minimum number of transfers allowed would be one in any
six-month period. Also, We may restrict transfers from the Underlying Funds to
the Fixed Account if the credited interest rate on the Fixed Account is equal
to the Minimum Guaranteed Interest Rate shown on the Contract/Certificate
Specifications pages.

      TRANSFERS BETWEEN CONTRACTS NOT ISSUED BY US AND THE FIXED ACCOUNT

At the Written Request of the Contract Owner, or You if so authorized, We will
make available the Cash Surrender Value of the Fixed Account for transfer to
contracts not issued by Us, subject to the restrictions on the
Contract/Certificate Specifications page.

      TRANSFERS BETWEEN OTHER CONTRACTS AND CONTRACT/CERTIFICATES ISSUED
                          BY US AND THE FIXED ACCOUNT

Under specific conditions, We may allow the Contract Owner or You if so
authorized, to transfer funds held for You in another group annuity contract or
contract/certificate issued by Us to the Fixed Account without incurring
deferred sales charges or surrender charges to the funds being transferred.
Once the transfer is complete and We have established an account for You at the
direction of the Contract Owner or You if so authorized, new deferred sales
charges or surrender charges may apply to the Fixed Account as shown on the
Contract/Certificate Specifications page.

We may also allow the Contract Owner or You if so authorized, under specific
conditions, to transfer funds held by the Contract Owner for You in the Fixed
Account to another contract or contract/certificate issued by Us without
incurring deferred sales charges or surrender charges shown on the
Contract/Certificate Specifications page to the funds being transferred. Once
the transfer is complete and We have established a new account for You, new
deferred sales charges or surrender charges may apply to the new contract or
certificate in accordance with the provisions of the contract or certificate.

                      DISTRIBUTION FROM THE FIXED ACCOUNT

ALLOWABLE DISTRIBUTIONS

The Contract Owner or You if so authorized, may request allowable distributions
shown on the Contract/Certificate Specifications page from the Fixed Account at
any time. Upon receipt of a Written Request, We will pay the Contract Owner or
You if so authorized, the Cash Value of the Fixed Account as applicable for
those allowable distributions.

SURRENDER FROM FIXED ACCOUNT CELLS

For the purpose of processing distributions from the Fixed Account, withdrawals
are taken from the most recent "cell" first, and each subsequent cell is
accessed for distributions in descending order on a Last-In, First-Out (LIFO)
basis.

The Cash Surrender Value will be determined as of the next valuation following
receipt of Your Written Request. We may defer payment of the Cash Surrender
Value in the Fixed Account for up to six months from the date of the Written
Request. If a payment is deferred more than 10 working days from the date the
request is received, interest will continue to be earned during the deferred
period in the same manner as described in this rider.

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                      CONTRACT DISCONTINUANCE PROVISIONS

If the contract is discontinued, this contract/certificate and rider will also
be discontinued, and no further Purchase Payments or transfers will be allowed.

On the date We receive a Written Request from the Contract Owner to discontinue
the contract, or within 31 days after We notify the Contract Owner in writing
of Our intent to discontinue the contract, any amounts transferred from the
Fixed Account to the Underlying Funds during the previous 30 days from the date
of discontinuance will be transferred back to the Fixed Account.

If the contract is discontinued because of Plan Termination and the Plan
certifies to Us that the Plan Termination is the result of the dissolution or
liquidation of the employer under US Code Title 11 procedures, the Cash
Surrender Value will be distributed directly to the employees entitled to share
in such distributions in accordance with the Plan relating to Plan Termination.
Distribution may be in the form of cash payments, Annuity options, or deferred
annuities.

If the Plan is terminated or the contract discontinued for any other reason,
then upon discontinuance of this contract, We will determine the Market
Adjusted Value of the Fixed Account. The Market Adjusted Value is the current
value as of the date of discontinuance and reflects the relationship between
the rate of interest credited to funds on deposit under the Fixed Account at
the time of discontinuance to the rate of interest credited on new deposits for
this class of contracts at the time of discontinuance. The Market Adjusted
Value may be greater than or less than the Cash Value of the Fixed Account.

If the Market Adjusted Value is less than the Cash Value of the Fixed Account
as of the date of discontinuance, We will pay You the Market Adjusted Value,
less any amounts deducted on surrender, less any loans outstanding in one lump
sum. This amount will never be less than 90% of the Cash Value of the Fixed
Account, less any outstanding loans as of the date of discontinuance. We may
defer payment of this amount for up to six months from the date of
discontinuance. If a payment is deferred more than 10 working days from the
date of discontinuance, interest will continue to be earned during the deferred
period in the same manner as described in this rider.

If the Market Adjusted Value is greater than the Cash Value of the Fixed
Account as of the date of discontinuance, We will pay the Cash Surrender Value
of the Fixed Account as of the date of discontinuance in one lump sum. We may
defer payment of this amount for up to six months from the date of
discontinuance. If a payment is deferred more than 10 working days from the
date of discontinuance, interest will continue to be earned during the deferred
period in the same manner as described in this rider.

                        MARKET VALUE ADJUSTMENT FORMULA

      Market Adjusted Value = Cash Value x (1+R0) /5/ / (1+R1+.0025) /5/

where R0 is the rate being credited to the contract on the date of
discontinuance, and R1 is the rate being credited to new deposits made into the
same class of contracts on the date of discontinuance.

                   ILLUSTRATION OF A MARKET VALUE ADJUSTMENT

ILLUSTRATION 1:

Assume that the Cash Value at the time of Contract Discontinuance equals
$10,000, the rate currently being credited to the cash value is 4%, and the
rate currently being credited to new deposits is 5%. The Market Adjusted Value
equals:

          $ 9,421 = $10,000 x (1+.04) /5/ / (1+.05+.0025)/5/.

The Market Adjusted Value less any amounts deducted on surrender less any loans
outstanding would be paid under this example. This amount would never be less
than:

          $10,000 x .90 = $9,000 minus any loans outstanding.

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ILLUSTRATION 2:

Assume that the Cash Value at the time of Contract Discontinuance equals
$10,000, the rate currently being credited to the cash value is 4%, and the
rate currently being credited to new deposits is 8%. The Market Adjusted Value
equals:

          $ 8,185 = $10,000 x (1+.04) /5/ / (1+.08+.0025)/5/.

The Market Adjusted Value is less than .90 x $10,000, or $9,000. The amount
paid under this example would be $9,000 less any loans outstanding.

Metropolitan Life Insurance Company has caused this Rider to be signed by its
[President]

[GRAPHIC]

[President]

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