*A Note about Legal Services.

No services, not even a consultation, are provided for the following matters: Employment-related matters (including company or statutory benefits) for you or your eligible dependents; matters involving Morgan Stanley or its affiliates; matters involving network attorneys; matters in which there is a conflict of interest between the employee and his/her spouse, domestic partner or dependents (in such case, services are only provided to the participating employee); appeals and class actions; farm and business matters (including rental issues where you are the landlord); patent, trademark and copyright matters; costs or fines; frivolous or unethical matters (as determined by MetLife Legal Plans); and matters for which an attorney-client relationship exists before the employee became eligible for Plan benefits.

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