MetLife Insurance Co USA – ‘10-K’ for 12/31/02 – EX-14.01

On:  Friday, 3/21/03, at 1:18pm ET   ·   For:  12/31/02   ·   Accession #:  950123-3-3098   ·   File #:  33-03094

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Travelers Insurance Company                           72    368K 
 2: EX-10.04    First Amendment to Lease                               6     27K 
 3: EX-10.05    Assignment and Assumption Agreement                    4     15K 
 4: EX-14.01    Citigroup Code of Ethics                               2      9K 
 5: EX-99.01    Certification of CEO and CFO                           1      7K 

EX-14.01   —   Citigroup Code of Ethics

EX-14.01
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                                                                   Exhibit 14.01

CITIGROUP CODE OF ETHICS FOR FINANCIAL PROFESSIONALS

  This Citigroup Code of Ethics for Financial Professionals applies to the
     principal executive officer of Citigroup and its reporting subsidiaries and
     all professionals worldwide serving in a finance, accounting, treasury, tax
   or investor relations role. Citigroup expects all of its employees to act
in accordance with the highest standards of personal and professional 
     integrity in all aspects of their activities, to comply with all applicable
     laws, rules and regulations, to deter wrongdoing and abide by the Citigroup
     Code of Conduct and other policies and procedures adopted by Citigroup that
 govern the conduct of its employees. This Code of Ethics is intended to
supplement the Citigroup Code of Conduct.                             

You agree to:                                                         

      (a)  Engage in and promote honest and ethical conduct, including the
        ethical handling of actual or apparent conflicts of interest
between personal and professional relationships;    

     (b)  Avoid conflicts of interest and to disclose to the Director of
   Citigroup Global Compliance any material transaction or
          relationship that reasonably could be expected to give rise to
such a conflict;                                    

     (c)  Take all reasonable measures to protect the confidentiality of
          non-public information about Citigroup or its subsidiaries and
       their customers obtained or created in connection with your
         activities and to prevent the unauthorized disclosure of such
          information unless required by applicable law or regulation or
legal or regulatory process;                        

(d)  Produce full, fair, accurate, timely, and understandable 
     disclosure in reports and documents that Citigroup or its
      subsidiaries files with, or submits to, the Securities and
        Exchange Commission and other regulators and in other public
 communications made by Citigroup or its subsidiaries;

       (e)  Comply with applicable governmental laws, rules and regulations,
   as well as the rules and regulations of self-regulatory
             organizations of which Citigroup or its subsidiaries is a member;
and                                                 

       (f)  Promptly report any possible violation of this Code of Ethics to
             the Director of Citigroup Global Compliance or any of the parties
or channels listed in the Citigroup Code of Conduct.

You are prohibited from directly or indirectly taking any action to   
fraudulently influence, coerce, manipulate or mislead Citigroup or its
    subsidiaries' independent public auditors for the purpose of rendering the
financial statements of Citigroup or its subsidiaries misleading.     

     You understand that you will be held accountable for your adherence to this
  Code of Ethics. Your failure to observe the terms of this Code of Ethics
may result in disciplinary action, up to and including termination of 
employment. Violations of this Code of Ethics may also constitute     
   violations of law and may result in civil and criminal penalties for you,
your supervisors and/or Citigroup.                                    

If you have any questions regarding the best course of action in a    
     particular situation, you should promptly contact the Director of Citigroup
Global Compliance. You may choose to remain anonymous in reporting any
possible violation of this Code of Ethics.                            

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EX-14.01
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YOUR PERSONAL COMMITMENT TO THE CITIGROUP CODE OF ETHICS FOR FINANCIAL
PROFESSIONALS                                                         

  I acknowledge that I have received and read the Citigroup Code of Ethics
for Financial Professionals, dated February 2003, and understand my   
obligations as an employee to comply with the Code of Ethics.         

   I understand that my agreement to comply with the Code of Ethics does not
constitute a contract of employment.                                  

     Please sign here:_________________________________      Date:______________

Please print your name:___________________________                    

GEID Number:_______________________________________                   

This signed and completed form must be returned to your manager or    
designated human resources professional.                              

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