Retirement Strategies

A Solution for Plan Sponsors

FOR PLAN SPONSOR USE ONLY.

A retirement plan with a purpose

We know how much thought and consideration goes into selecting a retirement plan provider. You’ve taken time to build a strong relationship with your employees and have gained their trust. Here at MassMutual, we want to build that same level of trust and provide them with the support they deserve from a retirement plan provider. MassMutual’s experience, stability, service excellence and unique approach to participant education will help your participants retire on their own terms.

FOR PLAN SPONSOR USE ONLY.

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At MassMutual, we’ve been providing retirement plans to tax-exempt employers for more than 65 years, making us one of the most experienced providers in the industry. We have a commitment to providing services to tax-exempt organizations like yours. MassMutual also holds some of the highest ratings in the industry* and was recognized by the Ethisphere Institute as a 2014 World’s Most Ethical Company.

Industry leading strength and stabilityFounded in 1851, MassMutual is a leading mutual life

insurance company that is run for the benefit of participating

policyholders. After weathering all types of storms for more

than 160 years, MassMutual’s financial strength ratings are

among the highest in any industry:*

• A.M. Best Company ......................A++ (Superior)

• Fitch Ratings ............................ AA+ (Very Strong)

• Moody’s Investors Service ............ Aa2 (Excellent)

• Standard & Poor’s .................... AA+ (Very Strong)

Strength and stability you can count on

* Ratings are for Massachusetts Mutual Life Insurance Company as of June 1, 2014 and do not apply to any separate investment accounts or mutual funds offered by MassMutual or its affiliates. For current ratings, please visit www.massmutual.com/ratings.

** Assets under management as of 6/30/2014.FOR PLAN SPONSOR USE ONLY.

$Credit Unions

$0.5 Billion

Tax Exempt

Churches

$1.5 Billion

Associations

$1 Billion

Higher Ed

$1 Billion

Government

$12 BillionHealthcare

$5 Billion

Tax Exempt

Non-Profit

$2 Billion

Private

Tax Exempt Employer AUM**

$23 Billion

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We’re here to help and guide your employees into retirement. At MassMutual that means human interaction to help drive action. The RetireSmartSM workplace guidance program is designed to drive employee action through live interface with our award-winning call center and retirement education teams. For five consecutive years, MassMutual’s call center has been recognized by ContactCenterWorld as a top performer in delivering outstanding customer service. Our national team of Retirement Education Specialists moves beyond traditional group meetings, utilizing innovative e4SM technology to educate your employees about their personal retirement goals at their place of work.

Retirement guidance with a purpose

We strongly believe in our corporate responsibility to promote a healthy workplace, vibrant local communities, and an environmentally sound planet. Highlights from 2013 include:

Community Vitality: $2,403,980

Economic Development: $1,452,710

Education: $1,744,164

Matching Gifts: $1,080,208

Other: $1,162,185

In-Kind Donations/Pro Bono: $112,501

$7,955,748

2013 Charitable Donations

FOR PLAN SPONSOR USE ONLY.

A Passion for Giving

5FOR PLAN SPONSOR USE ONLY.

Helping you manage your retirement planMassMutual understands the challenges and nuances of managing your tax-exempt organization’s retirement plan. We bring you the people, services, investments and technology to make your job easier.

Benefits of choosing MassMutual · Tailored total retirement solutions – 403(b), 401(k), 457, DB, Non-qualified plans

· Proactive understanding of 403(b)

· Surrender charge make-up for 403(b) plans

· Demonstrated success in 403(b) contract exchange conversions/transitions

Consolidation ServicesWe know that one of the biggest challenges for your employees is consolidation of their retirement plan savings in one place for easier management. MassMutual’s high-touch consolidation services help your employees put all of their retirement savings into one place. Employees who elect this option are given a single point of contact – a specialist with contract exchange expertise – to manage the consolidation process from beginning to end.

Each employee’s highly trained MassMutual Consolidation Specialist will see the process through from beginning to end.

66 FOR PLAN SPONSOR USE ONLY.

Current:

Possible:

20%

50%

How can you know if you’re on the right path to retirement if you don’t know where you stand today? Many retirement plan providers will show you the activity-based metrics of your plan, like participation rate. To truly gauge where your plan stands with regard to helping your employees become retirement ready, better outcome-based measurement is needed.

The MassMutual PlanSmartSM Analysis report can show you how many of your employees are on track to replace at least 75%

of their last year’s income beginning at age 67 for their full retirement. With this rigorous data analysis, your organization can

continue to make better decisions and implement more effective strategies for achieving retirement success for

your employees.

We’ll help you get to where you want to be

At MassMutual we want to empower your employees and help them take retirement plan action on their own terms. The

RetireSmartSM campaign program is designed to engage each one of your employees through a variety of communication

mediums tailored to each person’s needs and preferences. This includes a series of mailers or emails that are delivered

throughout the year until each employee takes his or her next step. This series of mailers or emails is segmented by age as well

as gender. The campaign program is supplemented and reinforced by the quarterly RetireSmartSM statement.

www.retiresmart.com 04/01/2013 – 06/30/2013account number: 12345-1-1-1 Edward Smith

page 2 of 8

A message to you from ABC Organization

Looking to boost your retirement I.Q.? Come to a lunch & learn on August 5, 2013 from 12 p.m.–1 p.m. to learn more about the value of your company-sponsored retirement plan. You’ll learn about the importance of saving for your future and tips for selecting your investment mix. We’ll also show you new and updated retirement planning tools available online at the participant website, www.retiresmart.com. Please contact Mary Smith at (555) 555-1234 for additional information. A box lunch will be provided.

Beneficiary(ies) Percentage

Jane Smith 50%Jim Smith 10%Amy Smith 10%Kathy Smith 10%Jennifer Smith 10%Bill Smith 10%

RetireSmartSM : Will You Have Enough? PLAN Is your retirement savings account on track? Experts advise that most people will need at least 75% of their pre-retirement income to cover their expenses in retirement. According to that approach, a person who makes $40,000 per year while working would need at least $30,000 per year from savings in retirement.

Objectives and Strategies considered in Goals AnalysisRetirement Age 62-66 Savings Rate 3%-8%

Income Replacement 85%-90% Investment Risk up to a 22% hypothetical loss

Your Situation and Assumptions as of 04/29/13 Birth Year 1961 Plan Deferral Limit 10%

Salary $57,888 Employer Contribution 2%

Account Balance(s) $84,009

Salary deferral 3%

Life Expectancy 83 Social Security (monthly) $3,228

Inflation Rate 2.55% Pension Payments (monthly) $0

Salary Increase Rate 2.00% Other Retirement Assets $0

Chance of retiring at age 66 with 71% of

preretirement income, which equals

$3,425 monthly

Contribution Amount 3% 8%

Asset Allocation Your Current Allocation Moderate Portfolio AllocationCASH 65% BOND 17% STOCK 18%

Step 1: Where are you now? Our analysis uses your age, all current contributions to the plan, and your current investments (your “Current Strategy”).

Step 2: What changes can you make? The “Suggested Strategy” for changing your investments and/or contributions can increase your chances of reaching that level of income replacement.

Very LowChance

Very HighChance

Current Strategy

Very LowChance

Very HighChance

Suggested Strategy35% 75%

Very LowChance

Very HighChance

Current Strategy

Very LowChance

Very HighChance

Suggested Strategy35% 75%

Take Action! Visit www.retiresmart.com or call 1-800-743-5274 to learn more about adjusting your savings and/or reallocating your investments.

Information from the following accounts has been used to arrive at your RetireSmart Current and Suggested Strategy projections: 12345-1-1-1.

Quarterly Statement• A view of retirement outcomes with each

current strategy and a suggested strategy to opti-

mize outcomes

• Consistent messaging with RetireSmart campaigns

Plan Health Percent of employees on target to replace 75% of income at age 67.

64 Action Messages Per Campaign Segment By:

• Age

• Gender

• Language

• Mail or Email

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When you choose MassMutual your team of support resources increases with MassMutual’s expert service. We know that your tax-exempt benefits manager has a lot of competing priorities; we’re here to help with a dedicated support team – with plenty of tax-exempt experience – to work with you from transition to ongoing plan management.

A retirement plan is complex and has many moving parts that must work in concert each and every day to ease your admin-

istrative burden. So we start with the basics, administration and record keeping are the core of your retirement plan. To make

this process easier, MassMutual will provide you with a single point of contact to ensure your plan runs smoothly.

A purposeful team of experts

FOR PLAN SPONSOR USE ONLY.

Account Manager

Day-to-Day Support

• Data

• Hardship Withdrawal

• QDROs

• Enrollment

• Administration

Call Center

Instant and Responsive Support

Your Advisor &Relationship Manager

The Leaders of Your Local Team

A RM

ERISA Advisory Services

Strategic Fiduciary and Plan Design Support

Transition Manager

Current Provider MassMutual

A Seamless Transition

Live education delivered locallyMassMutual’s on-site workshops and call center are built to help participants meet their retirement savings goals for each

stage of their working careers.

· Retirement Education Specialists are available for group meetings, webinars, and one-on-one educational meetings.

· Retirement Education Specialists are MassMutual employees, located across the country to more easily reach your employees.

· Our award winning, 100% U.S. based call center assists participants in personalized one-on-one support.

RS5443 1014 C:34640-00

© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

FOR PLAN SPONSOR USE ONLY.

Investments with a purposeMost providers will offer you open architecture for investments. MassMutual goes one step further. The SmartArchitectureSM investment program brings together the people, process and investment choice you need to help your employees retire on their own terms:

· Ultimate flexibility with over 2,400 investment options

· Third party evaluation by Mesirow® Financial

· Unique investment offerings unavailable anywhere else

· Easy to use target date and target risk options

An Experienced Investment Team to Support Your Advisor

Rigorous Selection Process

Third-Party Evaluation and Endorsement

Diligent Oversight

InvestmentPerformance

An approach to investment monitoring that helps drive plan health · Experienced Advisor

· Innovative Investment Monitoring

· Unique Investment Offerings

· Fiduciary Support

· Financial Strength & Investment Choice

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1 Lipper, a wholly owned subsidiary of Reuters, is a leading global provider of mutual fund information and analysis to fund companies, financial intermediaries and media organizations.

www.massmutual.com/nonprofit

To learn more about MassMutual’s award winning solutions for Tax Exempt Organizations’ Retirement Plans, contact your MassMutual representative or call 1-800-637-6444.