Expand Your Options - MassMutual

1 What is a self -DirectedBr okerage Account?A self -dir ectedbr ok erageaccount (SDBA)is asep ara te inv estmentvehicleoff eredin tandemwithThe Ha rtford s1ret irement pr ogr ams th at pr ov idedir ect access to a brokerage account . ThisSDBAdif fers fr om typi cal brokerage acco untsin thatpar tici pa nts may transfer ass ets fr om thei r coreacc ount(y our pl an s investm en t ch oi ces of feredthr oug h The Hartford s pro gr ams ) int o SDBAcan be offered as a new in vest mentoptionwi thi n your HartfordRe tir em ent Pro A is prov idedthr oughthe Charles SchwabPer so na l Choice Retirement Accoun t (PCRA),of feredthroughCharlesSch wab & Co.

2 , Inc.,member SIPC .*Whyoff er a self -DirectedBrokera geAccount? Allow s you to respondto tho se parti cipantswhowant mo re controlof thei r ret ir ement acc ount. Helps keep yourplanco mp eti tive and responsiveto tho se par ti cipants wh o wis h to activ ely managetheir inv does a self -Directe d brokerage Accountwork? All con trib utions ar e mad e dir ect ly to the co reacco unts. Allo cat ions to/fr om the SDB A occuras trans fersto /from the co re acco unts. No co ntrib utio ns or wit hdraw al s are all oweddi rect ly to/from the SDB A. Tran sfer s ar e a two-p art act ivit y that requirespr ovid ing direct ion to both The Hartfordan d toSch wab , the broker ag e firm.

3 General ly, th es etr an sfer s will take app roxi mat ely five busi nes s days .Howmig htthisimpact myfiducia ryliability? In the co mpl ex en vironmen t that surroundsret irem en t program s, plan sponsors are looki ngfo r way s to give par ticip an ts gr eat er flex ib ili ty andch oice. One ap proach is the SDB A. SDB As can be seen as a lo gical ap proachtopr ovid ing ad dit ional inves tmen t ch oice toret irem en t plan par tici pan ts .WhydidTheHartf ord se le ctCharles Schwab?Exper ien ce, plai n an d sim ple. Sch wab is areco gn ized nam e an d a lead er in providingbroker ag e serv ices. Additionall y, Sch wab canprovi de local ser vi ce to your par tici pants th rou ghits mo re than 30 0 off ices nati *Ch ar le s Sch wa b is not an aff iliat e or sub sidiary of The Hartfordis The HartfordFinancialServicesGroup,Inc.

4 And its subsidiaries,includingHartfordLife InsuranceCompany,HartfordRetirementServi ces,LLC, andHartfordSecuritiesDistributionCompany ,Inc. ("HSD").HSD(memberFINRAandSIPC),a registeredbroker/ dealeraffiliateof The ResponsePersonalIn te rn et800#AssistanceTra dingReal- Time Quote sAccountAccessNews &Researc hCustomerServ iceE-mail In quiriesWhat se rvi cesdoesSchwab pr ovide?Your pa rti ci pantswill haveaccessto:Info rma tion Ema il Aler ts Sc hw ab Equi ty Ratings Co mpanyres ear ch repo rt s and dail y pricecharts Sc hw ab s MonthlyMut ual Fu nd s Per fo rmanceSum ma ry Sc hw ab s MutualFun d Sel ect and Si gnatureSel ec t Li st Sc reeningtoolsfor Mut ual Fu nd s, Sto ck s, Bondsand ETF sInve stm ent Choice* Over 4, 70 0 mutualfund s St ock li sted on the ma jo r U.

5 S. exchanges Forei gn securities Bonds, . Treasur ie s and oth er fi xed-incomeinv est ments Moneymarket fun ds Exc hange TradedFunds(E TFs )* Subjectto limitationsthat may applyat stateor localjurisdictionlevel,or as determinedby e Contr olPar tici pant s may access thei r PCRA accountsan d place or der s day and nigh t usin g Schwab sco nveni en t serv ices: Schw ab s web sit e, Schw ab au tomat ed phone ser vices incl ud in gTeleb roker to uch tone ser vice an d Sch wab byPhon e vo ice recog nit ion ser vice A Sch wab br oker on the ex clu sive tol l-freePCRA ded icatedser vice line401 retirementprograms(excluding401(a))are fundedby groupvariableannuitycontracts(countrywid e:HL-14991;NY & FL: HL-14973)and groupvariablefundingagreements(HL-16553a nd HL-16553(NY)) issuedby HartfordLife InsuranceCompany(Simsbury,CT).

6 401(a),457, and 403(b)retirementprogramsare fundedby groupvariableannuitycontracts(HL-15811,H VL-11002nd HVL-21002series,HVL-14000,HVL-14001,HVL- 20000,HL-17402,HL-14848,HL-17402and HL-15420with RiderHL-16957)and groupvariablefundingagreements(HL-16553a nd HL-16553(NY)) issuedby HartfordLifeInsuranceCompany(Simsbury,CT ). Groupvariableannuitycontractsare underwrittenand distributedby HartfordSecuritiesDistributionCompany,In c. be fundedby groupfixedannuities(HL-19799)issuedby HartfordLife InsuranceCompany(Simsbury,CT) and can alsoinvestin re in ves ting,you shouldcarefully consider the in vestmentobjectives,risks,chargesand expensesof the mutualfun ds or The Hart ford'sgroupvariable ann uity products and fun dingag reements,an d th eir un derlying fu fu ndan d prod uct pr os pec tusesand / or a discl osu re document con tainingthis and otherin for mation,contactyourinve stm ent pr ofessionalor visitou r DB A-F LY-oi mf 4/09 RPS 4911 Pri ntedin A.

7 2009 The Har tford,Hartford,CT 06115 For moreinfo rmat ion on the Charles SchwabPe rsonalCho ice Ret irement Acco unt ,pleaseco ntac t yo ur Hartfo rd Re pre sent ative. NOTFORUSEWITHPARTICIPANTST hele ve l of riskwill va rydependingon thein vestment choic esa part ion is in tended forth e knowl edgeabl e n andpar tic ipantlevelfees will apply.