MetLife 2025 sustainability report: reducing its environmental impact. MetLife seeks to strengthen long-term business performance by reducing its environmental impact, creating operational efficiencies, managing risk, and enabling sustainable growth. In support of this objective, Csr Company has set an ambition to reach Net Zero greenhouse gas (GHG) emissions across its global operations and MetLife's general account (GA) investment portfolio by 2050 or sooner.[1] Aligned with New Frontier, Csr Company aim to reduce emissions where Csr Company has control to help minimize risks, strengthen all-weather performance and improve operations. Csr Company complement these efforts by using natural resources efficiently, reducing water consumption, and minimizing waste sent to landfills. Energy and emissions. MetLife takes a disciplined approach to energy and emissions management to improve efficiencies, enhance performance, help manage risks and support a thriving workforce - implementing initiatives that lower operating costs, promote collaboration and enhance how Csr Company deliver responsible growth and long-term value. Csr Company has decreased location-based GHG emissions by 52 percent since 2019 and have maintained carbon neutrality for its offices, fleets and business travel since 2016.[2] Csr Company promote energy efficiency and implement green building practices throughout its 8.9 million square feet of offices, including by: * Consolidating office space and implementing efficiency upgrades, such as installing LED lighting, enhancing building management systems and improving plug load management; * Strategically managing and optimizing performance of data center operations to reduce total electricity consumption, for example by consolidating mainframes and Intermediate Distribution Frame closets and transitioning from wireless access points to Power over Ethernet; * Replacing fleet vehicles with electric or hybrid options, where possible; * Encouraging global reductions in business travel, such as recommending combining trips, traveling by train instead of air and flying premium economy instead of business class on long-haul flights; * Generating on-site renewable energy at offices in Madrid, Spain, and Nicosia, Cyprus; * Purchasing renewable energy via energy attribute certificates - issued when one megawatt-hour of electricity is generated and delivered to the grid from a renewable energy resource - to match its global electricity consumption (see GHG Emissions and Energy data in Sustainability Scorecard); and * Supplementing emissions reductions and energy efficiency initiatives with a diverse portfolio of third-party-certified carbon offset and removal projects that drive tangible economic and community benefits in addition to carbon reduction. As one example, Csr Company has partnered with Charm Industrial to reduce wildfire risk in Colorado by converting biomass into biochar, a charcoal-like substance. Beyond carbon sequestration, the partnership is also creating new local jobs and access to employee benefits that help build long-term financial security. Optimizing high-performance offices. Csr Company integrate sustainability and well-being features into its offices and operations to create healthy, energizing workplaces. Csr Company maintain green leasing guidelines and prioritize using sustainable materials in its buildings, striving for its global offices to be certified to green or healthy building standards, particularly Leadership in Energy and Environmental Design, ENERGY STAR(R), Fitwel and Building Research Establishment Environmental Assessment Method. Properties managed by MetLife Investment Management (MIM) also strive for green and healthy building standards. Within its facilities, Csr Company aim to minimize its consumption of water, plastics, paper and other natural resources and reduce the volume of waste, including food waste and e-waste, that Csr Company send to landfills. Csr Company also provide high levels of indoor air quality and natural light and offer amenities, such as healthy dining options and sit-stand desks. MetLife's Global Event Operations team prioritizes paperless conferences, local sourcing and eco-friendly alternatives. MetLife also prioritizes sourcing products that allow Csr Company to consume less, operate more efficiently and generate co-benefits such as cost savings, when possible. Please see its Sustainability Scorecard for its water and energy use, waste diversion and green building certification data. Driving supply chain sustainability. MetLife's Supplier Inclusion and Sustainability program helps Csr Company align suppliers with its environmental stewardship values and expectations for responsible business practices. To drive continuous improvement and mitigate potential sustainability-related risks in its supply chain, Csr Company request sustainability information during supplier onboarding and ongoing supplier management processes. Through supplier engagement, Csr Company expand its understanding of its suppliers' business goals and performance and foster a culture of transparency and collaboration. By 2030, Csr Company aim to have two-thirds of its top suppliers by spend set emissions-reduction goals. 68 percent of suppliers by spend had established goals in 2025.[3] Csr Company work with its suppliers to find innovative opportunities to advance sustainability and encourage its top suppliers to disclose their climate risks, environmental targets and GHG emissions through the annual CDP Questionnaire, so that Csr Company can analyze its supply chain for resiliency. To learn more about MetLife's broader supplier management practices, see Supplier Management. [1 See] [Non-GAAP and Other Financial Disclosures] [for additional information about MetLife's GA assets under management (AUM). Learn more about its approach to] [Net Zero] [. Please also see] [Forward-Looking Statements] [.] [2 MetLife's carbon neutrality efforts apply to global owned and leased offices, global vehicle fleets (Scope 1 and 2 emissions) and employee business travel (Scope 3 Category 6). MetLife purchases energy attribute certificates and carbon credits to offset the remainder of annual emissions in these categories. See] [Glossary] [.] [3 For the top 80 percent of MetLife suppliers by spend, this target measures suppliers that set public commitments to reduce GHG emissions by 2025 or later, aligned with limiting global temperature rise to 2°C above pre-industrial times. Spend represents procurable spend with third-party suppliers. MetLife uses its own discretion for determining supplier alignment based on supplier's reported emissions-reduction goal attributes, such as scope coverage, target year, base year and reduction percentage. Evaluation occurs on an annual basis.]

MetLife 2025 sustainability report: reducing its environmental impact. August 26, 2026 MetLife seeks to strengthen long-term business performance by reducing its environmental impact, creating operational efficiencies, managing risk, and enabling sustainable growth. In support of this objective, CSRwire, LLC has set an ambition to reach Net Zero greenhouse gas (GHG) emissions across its global operations and MetLife's general account (GA) investment portfolio by 2050 or sooner.[1] Aligned with New Frontier, CSRwire, LLC aim to reduce emissions where CSRwire, LLC has control to help minimize risks, strengthen all-weather performance and improve operations. CSRwire, LLC complement these efforts by using natural resources efficiently, reducing water consumption, and minimizing waste sent to landfills. Energy and emissions. MetLife takes a disciplined approach to energy and emissions management to improve efficiencies, enhance performance, help manage risks and support a thriving workforce - implementing initiatives that lower operating costs, promote collaboration and enhance how CSRwire, LLC deliver responsible growth and long-term value. CSRwire, LLC has decreased location-based GHG emissions by 52 percent since 2019 and have maintained carbon neutrality for its offices, fleets and business travel since 2016.[2] CSRwire, LLC promote energy efficiency and implement green building practices throughout its 8.9 million square feet of offices, including by: * Consolidating office space and implementing efficiency upgrades, such as installing LED lighting, enhancing building management systems and improving plug load management; * Strategically managing and optimizing performance of data center operations to reduce total electricity consumption, for example by consolidating mainframes and Intermediate Distribution Frame closets and transitioning from wireless access points to Power over Ethernet; * Replacing fleet vehicles with electric or hybrid options, where possible; * Encouraging global reductions in business travel, such as recommending combining trips, traveling by train instead of air and flying premium economy instead of business class on long-haul flights; * Generating on-site renewable energy at offices in Madrid, Spain, and Nicosia, Cyprus; * Purchasing renewable energy via energy attribute certificates - issued when one megawatt-hour of electricity is generated and delivered to the grid from a renewable energy resource - to match its global electricity consumption (see GHG Emissions and Energy data in Sustainability Scorecard); and * Supplementing emissions reductions and energy efficiency initiatives with a diverse portfolio of third-party-certified carbon offset and removal projects that drive tangible economic and community benefits in addition to carbon reduction. As one example, CSRwire, LLC has partnered with Charm Industrial to reduce wildfire risk in Colorado by converting biomass into biochar, a charcoal-like substance. Beyond carbon sequestration, the partnership is also creating new local jobs and access to employee benefits that help build long-term financial security. Optimizing high-performance offices. CSRwire, LLC integrate sustainability and well-being features into its offices and operations to create healthy, energizing workplaces. CSRwire, LLC maintain green leasing guidelines and prioritize using sustainable materials in its buildings, striving for its global offices to be certified to green or healthy building standards, particularly Leadership in Energy and Environmental Design, ENERGY STAR(R), Fitwel and Building Research Establishment Environmental Assessment Method. Properties managed by MetLife Investment Management (MIM) also strive for green and healthy building standards. Within its facilities, CSRwire, LLC aim to minimize its consumption of water, plastics, paper and other natural resources and reduce the volume of waste, including food waste and e-waste, that CSRwire, LLC send to landfills. CSRwire, LLC also provide high levels of indoor air quality and natural light and offer amenities, such as healthy dining options and sit-stand desks. MetLife's Global Event Operations team prioritizes paperless conferences, local sourcing and eco-friendly alternatives. MetLife also prioritizes sourcing products that allow CSRwire, LLC to consume less, operate more efficiently and generate co-benefits such as cost savings, when possible. Please see its Sustainability Scorecard for its water and energy use, waste diversion and green building certification data. Driving supply chain sustainability. MetLife's Supplier Inclusion and Sustainability program helps CSRwire, LLC align suppliers with its environmental stewardship values and expectations for responsible business practices. To drive continuous improvement and mitigate potential sustainability-related risks in its supply chain, CSRwire, LLC request sustainability information during supplier onboarding and ongoing supplier management processes. Through supplier engagement, CSRwire, LLC expand its understanding of its suppliers' business goals and performance and foster a culture of transparency and collaboration. By 2030, CSRwire, LLC aim to have two-thirds of its top suppliers by spend set emissions-reduction goals. 68 percent of suppliers by spend had established goals in 2025.[3] CSRwire, LLC work with its suppliers to find innovative opportunities to advance sustainability and encourage its top suppliers to disclose their climate risks, environmental targets and GHG emissions through the annual CDP Questionnaire, so that CSRwire, LLC can analyze its supply chain for resiliency. [1 See] [Non-GAAP and Other Financial Disclosures] [for additional information about MetLife's GA assets under management (AUM). Learn more about its approach to] [Net Zero] [. Please also see] [Forward-Looking Statements] [.] [2 MetLife's carbon neutrality efforts apply to global owned and leased offices, global vehicle fleets (Scope 1 and 2 emissions) and employee business travel (Scope 3 Category 6). MetLife purchases energy attribute certificates and carbon credits to offset the remainder of annual emissions in these categories. See] [Glossary] [.] [3 For the top 80 percent of MetLife suppliers by spend, this target measures suppliers that set public commitments to reduce GHG emissions by 2025 or later, aligned with limiting global temperature rise to 2°C above pre-industrial times. Spend represents procurable spend with third-party suppliers. MetLife uses its own discretion for determining supplier alignment based on supplier's reported emissions-reduction goal attributes, such as scope coverage, target year, base year and reduction percentage. Evaluation occurs on an annual basis.]

Charm Industrial has secured a 61,500-tonne carbon removal deal with JPMorganChase, bringing the bank's total purchases from the company to 90,000 metric tonnes of CO₂ equivalent. JPMorganChase has also provided a separate $20 million venture debt facility to support Charm's expansion. The San Francisco-based startup converts biomass into carbon-rich bio-oil and injects it underground for permanent storage. The new financing will help expand Charm's Colorado operations, including processing forest residues from wildfire mitigation projects. The deal represents one of the largest bilateral agreements for bio-oil carbon removal. The venture debt will support facility expansion at Charm's Fort Lupton site and create jobs for pyrolyser operators whilst addressing wildfire risks in the American West.