Catholic Diocese of Columbus 403(b) Plan · and invest for retirement. It’s one way to thank you for your contribution to the organization’s success. This booklet walks you through

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Catholic Diocese of Columbus 403(b) Plan

Prepared for:

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Welcome

Jim Gleason Ameriprise Financial Srvcs Inc (614) 848-3437

William S. Davis Finance Director

Catholic Diocese of Columbus is pleased to offer you a retirement plan as a benefit to help you save

and invest for retirement. It’s one way to thank you for your contribution to the organization’s

success.

This booklet walks you through the basics of the Catholic Diocese of Columbus 403(b) Plan and how

to get started. You’ll also find information to help you make a plan for your life in the future that

works for your life right now.

Please review the enclosed information carefully to get started as soon as you can.

If you have questions or for more information, please visit www.massmutual.com/serve, contact your

benefits administrator or:

We hope you’ll take full advantage of this important benefit.

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easy access to your account

Two easy ways to monitor and manage your account.

1. ONLINE

Log into our website at www.massmutual.com/serve. Here you can access powerful retirement planning tools and calculators, and manage your account — anytime, from virtually anywhere.

You’ll be able to:

• Obtain current account balances

• Change your investment options

• Perform account transactions

• Transfer (exchange) balances between investment options*

• Check current investment prices and performance

• View and download your quarterly electronic statements

• Reset/enable your PIN and user ID

If you are having trouble accessing your account for the first time, please contact your Participant Service Center at 1-800-528-9009 for assistance.

* You are allowed to submit a total of 20 transfer requests

each calendar year for your participant account by any permitted means. Once these 20 transfers have been requested, you may submit any additional transfer requests only in writing by U.S. mail. Transfers as a result of dollar-cost averaging (if applicable) do not count toward the 20-transfer limit. Each calendar year, MassMutual resets your transfers to allow 20 new transfers by all approved methods.

2. BY PHONE

1-800-528-9009 With our voice-activated telephone system, you control the call to get the information you need from any telephone, at any time, simply by speaking. Please provide your user ID and PIN when prompted. This will help expedite your call should you need to speak with a MassMutual customer service representative. The system will ask you to state the reason for your call. Simply speak clearly and the system will respond accordingly. Do you prefer receiving your retirement account information in a language other than English? Access to the Language Line is available in over 140 languages through a Customer Service Representative during normal business hours.

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EMPLOYEE INFORMATION

Last, First, M.I.)

CONTRIBUTION ELECTIONS

The above information is for MassMutual’s records only. This does not replace a Salary Deferral Agreement which may be required by your Employer.

INVESTMENT ELECTION <<EnrollInvElect>>

<<SelectNote>>

HL-20330

Mail Address: MassMutual Retirement Services, PO Box 1583, Hartford, CT 06144-1583 Fax Number: 877-526-2531 or 800-678-8645

M F

753380

Account Opening Form 403(b)(7) Custodial Account/ 403(b)(1) Group Annuity Contract

_____% ZL AB High Income-A _____% CG American Funds Capital Income Builder-R3 _____% 7K American Funds EuroPacific Growth-R3 _____% 7X American Funds New Perspective-R3 _____% TE Ave Maria Bond-R _____% EO Ave Maria Growth _____% ZK Ave Maria Rising Dividend _____% EI Ave Maria Value _____% Z9 Delaware Extended Duration Bond A _____% 6K Dreyfus Bond Market Index-INV _____% LQ Dreyfus Midcap Index _____% LR Dreyfus Small Cap Stock Index _____% 10 General Account* _____% B7 Goldman Sachs Small Cap Value-A _____% 9K Invesco Small Cap Growth-A _____% K6 Janus Henderson MidCap Value-S _____% KI JPMorgan SmartRetirement 2020-A _____% IU JPMorgan SmartRetirement 2030-A

_____% IW JPMorgan SmartRetirement 2040-A _____% IY JPMorgan SmartRetirement 2050-A _____% IZ JPMorgan SmartRetirement Income-A _____% JO JPMorgan US Equity-A _____% YI MFS International Value-R3 _____% BX MFS Research International-R3 _____% YL Oppenheimer International Diversified A _____% PP PIMCO Real Return-A _____% GK Premier Barings High Yield-R4 _____% GO Prudential Jennison Mid-Cap Growth Fund-A _____% BN Putnam Equity Income-R _____% SC T.Rowe Price Growth Stock-R _____% A7 TIAA-CREF Equity Index R _____% A8 TIAA-CREF Large-Cap Growth Index R _____% A9 TIAA-CREF Large-Cap Value Index R _____% X7 Victory Sycamore Established Value-A _____% 7O Victory Sycamore Small Company Opportunity-A

The above information is for MassMutual's records only. This does not replace a Salary Deferral Agreement which may be required by your Employer.

I am utilizing the age 50+ catch-up provision.

I am utilizing the "15 year rule" catch-up provision. Please complete a 15 Year Rule Notification form.

INVESTMENT ELECTION I elect to have my future contributions invested as follows. I understand that this form is to be used to record my initial investment option election and may not be used for investment option transfers or investment option allocation changes. To make investment changes please call 1-800-528-9009 or visit massmutual.com/serve. SELECTIONS MUST BE IN WHOLE PERCENTAGES TOTALING 100%.

*Offered through a Group Fixed Annuity Contract issued by Hartford Life Insurance Company. Contracts issued by Hartford Life Insurance Company. Contracts administered by Massachusetts Mutual Life Insurance Company. SIGNATURES I agree to be bound by the terms of the prospectus for each mutual fund (“fund”) in which I am investing. I am investing in shares after reviewing a fund profile and I understand that I will receive the prospectus upon the purchase of those shares. I acknowledge that it is my responsibility to read the prospectus of any fund into which I exchange.

Catholic Diocese of Columbus

ENROLLMENT HL-20330

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I understand that an investment in each fund involves risk and that investment return and principal value will fluctuate so that when redeemed any shares in my account may be worth more or less than their original cost; that any dividends and capital gains will be automatically reinvested in the same fund(s) that paid them; and that fund shares are not deposits or obligations of, or guaranteed or endorsed by, any bank or insurance company, and are not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency of the U.S. government. I understand that the General Account investment option, is not a mutual fund and that transfers from that option may be restricted according to the terms and provisions of my employer’s group annuity contract. I acknowledge that I have read and understand the state specific Fraud Warning Statement, or the NAIC Model Fraud Statement, as applicable. Ohio: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement, is guilty of insurance fraud. I acknowledge receipt of the Participant Disclosure Information and understand that my account may be subject to fees and charges for recordkeeping and administrative services as detailed therein. Both the Employer and the Employee acknowledge and understand that the Employee has total responsibility for deciding whether to defer income and for instructing to whom the Employer is to provide the deferred income for investment purposes. The Employee may only contribute amounts that have not already been paid or made available. The Employee agrees and acknowledges that contributions shall not exceed the Internal Revenue Code deferral limit. This Agreement is legally binding and irrevocable for both the Employer and the Employee with respect to amounts paid while this Agreement is in effect and while employment continues. The Employee may terminate or otherwise modify this agreement at any time by giving written notice so that this agreement will not apply to salary subsequently paid. I affirm that the information on this form is accurate and complete, to the best of my knowledge. Signed in the State of _____________ on __________________ _________________________________________________ Date Participant Signature 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.

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Group Number: Social Security Number: Employer:

Employee Name: Last, First,M.I.

Mailing Address:

City: State: Zip:

Home Phone: Work Phone: Ext:

BENEFICIARY INFORMATION

Upon your death, all proceeds from the Plan will be paid to your beneficiary(ies) in the order specified below. Only you, the

participant, may change the designation. If you do not designate a beneficiary, or your beneficiary, if any, does not survive you,

your death benefit will be paid according to the terms of the plan.

Primary Beneficiary (ies) Percentage of

Full name of Individual or Trust Date of Relationship to Death Benefit

(and date of trust if applicable) Address and Phone No. SS#/TIN Birth the Participant (whole percentage*)

Contingent Beneficiary (ies) Percentage of

Full name of Individual or Trust Date of Relationship to Death Benefit

(and date of trust if applicable) Address and Phone No. SS#/TIN Birth the Participant (whole percentage*)

Please see the following page for examples of proper beneficiary designations.* If the participant wishes to designate beneficiaries to share equally, then a percentage should not be listed.

Receipt of this form in the offices of your Employer cancels all prior beneficiary designations filed with your Employer. No

change of Beneficiary will take effect until this request has been received in good order by your Employer.

I hereby designate the person(s) listed above as my beneficiary(ies) under the Plan.

____________________________________________________ ______________________Participant Signature Date

Keep a copy for your records. Do not return to MassMutual.

CONTINGENT TOTAL: 100%

PRIMARY TOTAL: 100%

Form HVL-487-4 Rev. 2.15 page 1 of 2 benepsh.pdf

Beneficiary Designation Form

Form to Be Retained by Plan Administrator

Catholic Diocese of Columbus 753380

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A. A married woman should be indicated by her given name, not that of her husband.

For example, Mary N. Jones, not Mrs. John R. Jones.

B. Please complete the Beneficiary Designation including name, address, phone number, Social Security number, date of birth,

relationship and percentage of death benefit. The percent of benefit must total 100% for all primary beneficiaries named. If

naming contingent beneficiary(ies) the total percentage for this designation must equal 100%. If the participant wishes to

designate beneficiaries to share equally, then a percentage should not be listed.

Listed below are some common beneficiary designations:

One Primary Beneficiary: Jane Doe, wife, 100%

Two or more Primary Beneficiaries:

John Doe, son, 33% John Doe, son, John Doe, son, 33%

Carol Smith, daughter, 33% or Carol Smith, daughter, or Carol Smith, daughter, 33%

Mark Doe, son, 34% Mark Doe, son Mark Doe, son 34%

equally among the survivors per stirpes

(designates their share to their children)

Contingent Beneficiaries:

John Doe, son, 33% John Doe, son John Doe, son, 33%

Carol Smith, daughter, 33% or Carol Smith, daughter, or Carol Smith, daughter, 33%

Mark Doe, son 34% Mark Doe, son Mark Doe, son 34%

equally among the survivors per stirpes

(designates their share to their children)

Participant’s Estate: Participant’s Estate

Trustee: Jane Doe, trustee under trust agreement* dated...

* If the word “trustee” is used in a Beneficiary designation, the date of the execution of the trust agreement or a copy of the trustagreement must be furnished.

Beneficiary Designation

Form HVL-487-4 Rev. 2.15 page 2 of 2 benepsh.pdf

MassMutual FinancialGroup 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.

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403(b) Rollover In or Transfer/Exchange In Form Checklist

Participant Rollover-In or Transfer/Exchange-In Checklist

Use this checklist to expedite processing of your request.

Is the Prior Provider information complete with name and address on the form? (Note:Check with your Prior Provider to ensure you obtain their form processing address. We will mail your request to the address that you indicate on our forms regardless of any other address supplied to us.)

Is the Prior Provider’s account number on the form? (Note: If there are multiple accounts, a completed form needs to be submitted for each account.)

Were all Prior Provider requirements met? (Check with your Prior Provider to determinewhat their requirements are for forms, signatures, etc. to avoid delay in processing.)

Does the Prior Provider require all original forms? (Note: Original forms can be mailed to the address listed in Section D of the “403(b) Rollover-In or Transfer/Exchange-In Form.”)

Is this a Rollover OR a Transfer/Exchange? (Make sure you have selected either Rolloveror Transfer/Exchange on the form, as we use one form for both purposes. Explanation of each can be found directly on the form.)

Did you submit your Enrollment paperwork? (MassMutual Retirement Services ("MassMutual") must receive a completed Enrollment Form in good order before we can process a Rollover-In/Exchange-In request.) Please remember to complete the following on the 403(b) Rollover-In or Transfer/Exchange-In Form:

All of your personal information must be filled out correctly on the top of the form.

You must indicate the amount of your request on the form.

MassMutual must receive your request in good order within 90 days of the date you signed the form.

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1. INFORMATION FOR ALL TRANSACTIONS: • Complete one form for each account.• Attach a current statement from your prior provider for the account intend to move. • If applicable, documentation from the prior plan to evidence the amount of your designated Roth and/or After-tax contributions versus earnings (and the date of the first Roth contribution) must accompany the money, otherwise all amounts received will be recorded as pre-tax dollars. • Please check with your employer to determine if you need to have this transaction approved by your employer or authorized employer representative. This will expedite processing your request. • This form should not be used to transfer/exchange assets from one MassMutual product to another. • We recommend that you ask your employer if your requested transaction is allowed under the Plan.

2. INFORMATION FOR TRANSFERS/EXCHANGES: • If MassMutual IS NOT receiving payroll contributions under your employer’s plan, refer to Section F (of this form) 403(b) Contract Transfer Representations, Warranties and Agreement. These additional requirements WILL APPLY and we will treat a transfer as an exchange when a transfer to a non-payroll slot vendor is requested. Definition of a non-payroll slot vendor: A contract issued under a 403(b) plan by an issuer that does not receive contributions under the plan on or after January 1, 2009. • If MassMutual IS receiving payroll contributions under your employer’s plan, Section F 403(b) Contract Transfer Representations, Warranties and Agreement WILL NOT APPLY and this will be considered a transfer. We will treat a transfer request to a payroll slot vendor as a change of investments. Definition of a payroll slot vendor: A contract issued under a 403(b) plan by an issuer that receives contributions under the plan on or after January 1, 2009. • Please contact us for additional information on transfers/exchanges.

3. REPORTING FOR TRANSFERS/EXCHANGES: The balance applied to your account as a result of moving your money will be recorded as "earnings" unless contribution source details are provided to MassMutual. We will record the following amounts as zero unless we receive documentation from your priorprovider to support these amounts. • Adjusted 12/31/86 account balance for purposes of exemption from Required Minimum Distributions • Adjusted 12/31/88 account balance for purposes of exemption from restriction on distributions prior to age 59½• Adjusted salary reduction contribution (no exchanges) since 12/31/88 for hardship distribution purposes • Non-taxable defaulted loan repayments • The amount of your designated Roth contributions versus earnings (and the date of the first Roth contribution) • The amount of your After-tax contributions versus earnings

403(b) Rollover In or Transfer/Exchange In Form Instructions

Rev 3.17 exchgtda.pdf

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403(b) Rollover In or Transfer/Exchange In FormQuestions?CallMassMutual’s Customer Service Center 1-800-528-9009

Fax877-526-2531 or 800-678-8645

Onlinemassmutual.com/serve

Use this form if you want to: • submit a rollover in. • submit a transfer/exchange.

• You must already be enrolled in your Employer's Plan at MassMutual before submitting this form.

• Your current Plan Administrator will need to verify that you are eligible to make this transaction and that the amount to be rolled or transferred/exchanged into the Plan is eligible under the terms of the Plan and the Internal Revenue Code. See your Plan Administrator for more information. If the transaction is allowed and if you have not already done so, contact your prior Plan Administrator or IRA provider to initiate the distribution process.

• This form will be valid for 90 days from the date you signed the form.

MassMutual will not process this form until it is received in good order. Please see the Important Information Section for information on "Good Order" requirements.

Section C - Type of Request

A TRANSFER/EXCHANGE is funds moved from your current employer who is the same employer that sponsors your MassMutual account.

A ROLLOVER is funds moved from either: • Previous employer's 403(b), 401, or 457(b) plan, OR • Individual Retirement Account

Select one option:

Section A - Plan Information

Financial Advisor's Name

Financial Advisor's Phone Number

Section B - Participant Information

Daytime PhoneNumber

*Legal Address

State Zip CodeCity

SSN Participant Name Date of Birth

*We will change your account information to reflect the Legal Address above and all future mailings will be sent to this address unless changed by you or your Plan Administrator as described under "Stale Address" in the Important Information Section.

Financial Advisor's Email

Plan NameGroup No.

RS-41580-00 Rev 3.17 exchgtda.pdf

GROLOVR IN

Catholic Diocese of Columbus 403(b) Plan 753380

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Section D - Rollover or Transfer/Exchange Request

401 qualified plan (including 401(k) or 403(a) qualified annuity plans)

all amounts OR

403(b) tax sheltered plan

408 IRA including simplified employee pension and simple retirement accounts

ROLLOVER:

credited to my 403(b) account at MassMutual. If I am sending a 60-day indirect rollover contribution directly to MassMutual, I have provided documentation of when this distribution occurred. The eligible rollover distribution is coming from an eligible retirement plan identified under Code section:

be liquidated from the retirement program indicated below and be I request that

Governmental 457(b) eligible deferred compensation plan sponsored by a governmental employer

$

If your contract includes a Roth Contributions feature, check here to indicate that designated Roth contributions will be included.

Provider Account Number

Address Phone Number

Rollover From:

TRANSFER/EXCHANGE:

I am electing to transfer or exchange a 403(b) Plan Benefit from one contract to another contract with the same employer. I understand thatI must ensure that the amount of contributions and earnings being transferred are provided by the provider below.

I request a transfer or exchange of all amounts ORfrom one contract to another contract with the same employer.

be transferred or exchanged $

If your contract includes a Roth Contributions feature, check here to indicate that designated Roth contributions will be included.

Provider Account Number

Address Phone Number

Transfer From:

Note that you cannot include Roth IRA amounts in this account.

Note that you cannot include Roth IRA amounts in this account.

If your contract includes an After-tax Contributions feature, check here to indicate that After-tax contributions will be included.

If your contract includes an After-tax Contributions feature, check here to indicate that After-tax contributions will be included.

MassMutual's Return Address:Regular Mail: MassMutual Retirement Services Overnight Mail: MassMutual Retirement Services P.O. Box 1583 1 Griffin Road North Hartford, CT 06144-1583 Windsor, CT 06095-1512


GROLOVR IN

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I, as a duly authorized representative of the Employer sponsoring this 403(b) Plan, represent and warrant the following: 1. this transfer is permitted by the Plan; 2. the distribution eligibility provisions under this contract are at least as restrictive as those imposed by the contract or custodial account to be exchanged and those of the Plan; and 3. the accumulated benefit in this contract or custodial account immediately after the transfer will be at least equal to the accumulated benefit in the contract or custodial account to be exchanged.

INFORMATION SHARING AGREEMENT For the Group Variable Annuity Contract or the Custodial Account and Group Fixed Annuity identified by the Group Number indicated which funds the Plan, the Employer and MassMutual respectively, agree to share information necessary to comply with the requirements of Internal Revenue Code §403(b) in accordance with Treasury Regulation §1.403(b)-10(b)(2) including information concerning the participant’semployment status, information as to whether the hardship withdrawal rules are satisfied, information that takes into account other §403(b) contracts or qualified plans of the Employer, and information necessary to satisfy other tax requirements including the requirements applicable to participant loans.

Section F - 403(b) Contract Transfer Representations, Warranties, and Agreements

I hereby agree to the terms and conditions stated in this form and certify that I am requesting a rollover or transfer/exchange of my retirement assets in accordance with applicable IRS and plan rules. Additionally, I understand that if I am currently enrolled in the Plan, my assets will be allocated among the investment options based upon my current investment elections unless Special Instructions are provided below to invest my rollover or transfer/exchange.

Section E - Participant Authorization

Special Instructions:

____________________________________________________ _________________________ Participant Signature Date

Please check with your employer and prior provider to determine if you need to have this transaction approved by your employer orauthorized employer representative. This will expedite processing your request.

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If this is a 60-day (indirect) rollover, I certify that this rollover is being completed within 60 days from receipt or, if it is over 60 days since my receipt of the distribution from the paying plan or financial institution, I have provided certification to the plan sponsor that the funds being rolled over qualify for a waiver from the 60-day requirement and that any self-certification letter required has been provided to the plan sponsor and a copy kept with my own tax records. (Participant should review the information in Section H if they are depositing an indirect rollover, which also refers to an IRS website with more detailed information).


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Section G - Employer or Authorized Employer Representative Signature


__________________________________________________________ _________________________ Employer or Authorized Employer Representative’s Signature Date

____________________________________________________________ Employer or Authorized Employer Representative’s Name (please print)

Your signature here may be required by the prior provider to expedite the release of the funds.

I certify that the funds to be deposited constitute a valid rollover from a source or sources acceptable under the terms of the plan and that in the event these rollover funds constitute a '60-day' indirect rollover (i.e., the distribution was originally made payable to the `participant' (which for these purposes includes the spousal beneficiary or alternate payee where the alternate payee was the spouse or former spouse of the participant who now wishes to rollover to a separate plan account), the participant has certified that the funds are being contributed within 60 days of receipt or the participant has provided information and signed certifications in accordance with IRS procedures that he either (1) qualifies for an 'automatic' waiver of the 60-day rollover requirement; (2) has requested and received a private letter ruling waiving the 60-day rollover requirement; or (3) qualifies for and has used the self-certification procedure described in Revenue Procedure 2016-47 for a waiver of the 60-day requirement. Note to Plan Sponsor: More information is available in Section H, Important Information under 'Indirect Rollovers' concerning waivers of the 60-day requirement under certain conditions or as subject to IRS determinations related to a private letter ruling. Please discuss with your own legal or tax advisors.

In the event that the participant qualifies for and has self-certified his qualification for a waiver of the 60-day requirement using the appropriate form of certification as outlined by the IRS and to the extent that such duties are applicable to the plan sponsor's fiduciary responsibilities, I, as plan administrator confirm that (1) have received the written and signed self-certification form, and provided a copy to, the participant and; (2) have no actual knowledge that is contrary to the participant's certification.1 (There is also more information available in Section H of this form.)

1Plan sponsors should keep the participant's signed self-certification and supply the participant with a copy for his records as the IRS may request evidence of the certification on audit. For more information about self-certification and other methods of requesting a waiver from the 60-day requirement please consult with your own legal advisor and RevenueProcedure 2016-47 and access the IRS website at https://www.irs.gov/retirement-plans/retirement-plans-faqs-relating-to-waivers-of-the-60-day-rollover-requirement#2. There is also more information available in Section G of this form.

If MassMutual has been provided notice that a TPA or other third party is required to approve financial transactions, this request will be considered not in good order unless or until we obtain that approval. I certify the following: For transfers or exchanges: • The plan allows for transfers and/or exchanges. • If MassMutual is not an approved provider, the plan agrees to the terms and conditions of the Information Sharing agreement set forth in Section F above. • If MassMutual is an approved provider, Section F above does not apply.

For rollovers: Plans NOT subject to ERISA: Consistent with Field Assistance Bulletin 2007-02, an employer may be required to certify to a provider a statement of facts within the employer's knowledge as employer. The plan is certifying that the individual identified above is eligible to affect a rollover into the plan.

Plans subject to ERISA: • The plan is certifying that the individual identified above is eligible to affect a rollover into the plan. • The authorized signature below certifies eligibility and acceptance of the rollover as instructed in this request.

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Section H - Important Information GROLOVR IN

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) (of which RetirementServices is a division) and its affiliated companies and sales representatives.

Good Order - "Good Order" means that all sections of the form are complete, the participant has provided their signature authorizing the transaction, the former Plan Sponsor has provided their signature (if required) and the current Plan Sponsor has provided their signature authorizing MassMutual to process the transaction requested on the form (if required).

Stale Address - It is important that you notify us if you change your address. Going forward, your address may change in our records either atyour or your employer's direction, or as a result of an address confirmation service provided under our agreement with your employer. Under this service, the addresses in our records are compared against and updated quarterly with addresses received from commercial addressupdate services (e.g., the U.S. Postal Service). If your mail is returned to us or your employer tells us your address is incorrect, we are likely to suspend future mailings until a new address is obtained. Unless preempted by federal law, failure to give us a current address may also result in uncashed distributions from your participant account being considered abandoned property under state law, and remitted to the applicable state. To update your address, contact your Plan Administrator or, if permitted by your Plan, log in to our website at massmutual.com/serveand select the "My Profile" tab at the top of the screen.

Indirect Rollovers - If this request to rollover is for a '60-day' indirect rollover (i.e., the distribution was originally made payable to the 'participant', which for these purposes includes the spousal beneficiary after the death of the participant or alternate payee where the alternate payee was the spouse or former spouse of the participant who now wishes to rollover to a separate plan account), the rollover must be made within 60 days of the participant's receipt of the funds. If it is too late to make the rollover within 60 days of receipt of the participant's funds, then there generally are three ways by which a participant can qualify for a waiver of this 60-day timing requirement: 1. An automatic waiver of the 60-day rollover requirement (as described in Revenue Procedure 2003-16) 2. A private letter ruling waiving the 60-day rollover requirement due to an acceptable hardship exception (as described in Revenue Procedure 2003-16) 3. Qualify and use the self-certification procedure for a waiver of the 60-day requirement (as described in Revenue Procedure 2016-47).

These methods for waivers are described in more detail below. These should also be discussed with your legal or tax advisor.

Automatic Waiver. To satisfy the `automatic waiver' requirements, the participant must generally show that the financial institution which received the funds received them before the end of the 60-day period, he must have followed all the procedures set by the financial institution for depositing the funds into the recipient plan or IRA, the funds were not deposited within 60 days because the financial institution made an error, the funds are deposited within one year from the beginning of the 60-day rollover period, and it would have been a valid 60-day rollover transaction if the financial institution had deposited the funds as instructed. Private Letter Ruling. To qualify for a private letter ruling issued by the IRS to waive the 60-day rollover requirement, the participant must apply for a ruling from the IRS in accordance with formal procedures. These procedures are described in Revenue Procedure 2016-4 andRevenue Procedure 2003-16, and the fees associated with filing for a Ruling are described in Revenue Procedure 2016-8. In general, the Treasury Secretary could waive the 60-day requirement “where the failure to waive such requirement would be against equity or goodconscience, including casualty, disaster, or other events beyond the reasonable control of the individual subject to such requirement.” There is a fee for the letter request

Self-Certification Procedure. Under the self-certification procedure, the participant can complete a standard letter (such as the Model Letter provided by the IRS for this purpose or one that is substantially similar). In this letter, the participant certifies that he missed the 60-day deadline for one of 11 IRS-provided reasons, including an error created by the distributing financial institution, misplaced check, damage to the principal residence, or the illness or death of a family member. The participant must also certify that he is making the rollover deposit as soon as practicable after the reason or reasons no longer prevented him from making the contribution (this requirement is deemed to be satisfied if the contribution is made within 30 days after the reason(s) no longer prevent the taxpayer from making the contribution), and that the representations that the participant is making are true, the IRS has not previously denied a request for a waver of the 60-day rollover with respect to the same funds, and that the participant's certification may be relied on by the plan administrator unless the plan administrator has actual knowledge to the contrary.

The plan sponsor websites have such a sample standard letter entitled `Plan Participant Self-Certification for Late Rollover Contribution' which can be used to make this certification. It is in the 'administrative forms' section of the website. The original copy of this sample letter should be signed by the participant and the original should be kept with the plan sponsor's records, with a copy held by the participant with his tax records. (MassMutual does not need to see this sample standard letter or obtain a copy of it when the rollover is being made to a qualified retirement plan).

Participants and the Plan Sponsor should consult with their own legal advisors for more information concerning these waivers. They may also obtain more detailed information by visiting the following IRS website: https://www.irs.gov/retirement-plans/retirement-plans-faqs-relating-to-waivers-of-the-60-day-rollover-requirement#2 Please note that this information is as of December 31, 2016 and that plan sponsors and participants may obtain more current information on the IRS website and/or through their own legal/tax advisors.


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Group Number: Social Security Number:

Employer:

Plan Name:

Participant Name: (Last, First, M.I.)Name Change? Please provide documentation

Mailing Address: Email:New?

City: State: Zip:

Home Phone: Work Phone: Ext:

A. 15 YEAR RULE NOTIFICATIONI am eligible for the special higher "15 year rule" deferral limit set forth at Internal Revenue Code section 402(g)(8). Under this rule, I am a "qualified employee" as I have at least 15 years of service with my employer, a "qualified organization." Under this rule, my deferral limit will be:

For Calendar Year _____________ my special 402(g)(8) deferral limit is: $_________________.

Employee Signature Date

B. EMPLOYER SIGNATUREWe the undersigned understand and agree that the Participant is a "qualified employee" and that the Employer is a "qualified organization" as these terms are defined under Internal Revenue Code section 402(g)(8) and that deferrals made to this or any other plan funding arrangement for the calendar year set forth above will not be in excess of the limit determined under that section.

Employer or Authorized Employer Representative Signature Date

Please see IRS Publication 571 for more information regarding the 15 year rule.

Instructions:1. Submit the completed Notification to MassMutual at the address above.2. Provide a copy to your Employer and complete a salary deferral agreement. 3. Make a copy for your records.

Form HVL-549-4 Rev. 2.15 page 1 of 1 chuptda.pdf

15 Year Rule Notification

Mail Address:MassMutual Retirement Services PO Box 1583Hartford, CT 06144-1583

Overnight Mail Address:MassMutual Retirement Services1 Griffin Road NorthWindsor, CT 06095-1512

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.

753380


15

16


Employer: __________________________________________________________________________________________________

Employee:

Name: ________________________________________ SS#________________________ Date of Birth: ____________________

Address: New? ____________________________________________________________________________________________

City: _______________________________________________State: ________________________ ZIP: ______________________

Home Phone: ( )_____________________________ Work Phone: ( )____________________________

A. CONTRIBUTION CHANGE - BEFORE-TAX CONTRIBUTIONS

Increase Employee $ or % Employer $ or % Total Contribution Frequency* Annual ContributionDecrease

From + = x =Resume Suspend To + = x =

IF YOU ARE ELIGIBLE FOR AND UTILIZING THE SPECIAL HIGHER “15 YEAR RULE” DEFERRAL PLEASE COMPLETE A 15 YEAR

RULE NOTIFICATION AND SUBMIT IT TO MASSMUTUAL.

B. ROTH - AFTER-TAX CONTRIBUTIONS

Only complete this section if your contract includes a Roth contributions feature.

Increase Employee $ or % Frequency* Annual ContributionDecrease

From $ x =Resume Suspend To $ x =

C. EMPLOYEE SIGNATURE

By execution of this document, the Employee authorizes that any Before-Tax Contributions or Roth After-Tax Contributions

indicated above be made by reducing the Employee’s salary. This agreement shall continue to be in effect only while employment

with the Employer continues or until it is altered in accordance to your plan provisions.

__________________________________________ _____________________Employee Signature Date

D. EMPLOYER SIGNATURE

By execution of this document, the Employer agrees that any Before-Tax Contributions or Roth After-Tax contributions indicated

above be made by reducing the Employee’s salary. This agreement shall continue to be in effect only while employment with the

Employer continues or until it is altered in accordance to your plan provisions.

__________________________________________ ______________________Employer Signature Date

Submit this Contribution Change Form to your Employer.

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.

I am utilizing the plan's age 50+ catch-up provision. (You must be age 50 or older by the end of the calendar year in which this

deferral election is effective.)

Con Chg Rev. 2.15 contda.pdf

Contribution Change Form - 403(b)

* FrequencyMonthly = 12Bi-Weekly = 26Semi-Monthly = 24Weekly = 52Other:

* FrequencyMonthly = 12Bi-Weekly = 26Semi-Monthly = 24Weekly = 52Other:


17

18


PLAN HIGHLIGHTS

Catholic Diocese of Columbus offers a 403(b) retirement plan.

The following is a brief overview of important features of your workplace retirement plan. For more information callyour Participant Service Center at 1-800-528-9009 or contact your benefits administrator.

Who is eligible to participate in the plan?Requirements for Making Contributions

If you were eligible to make Tax-Deferred Contributions to the Plan immediately prior to January 1, 2014, you will stillbe eligible on and after January 1, 2014. If you were not eligible to make Tax-Deferred Contributions to the Plan priorto January 1, 2014, you will be eligible beginning on the first day of the calendar month immediately following thedate you are first employed in an "eligible class", as described in Eligible Class below.

Requirements to Receive Employer Contributions

You are eligible to receive Employer Contributions beginning on the first day of the month that immediately followsthe date you first meet all of the following requirements:

You are employed in an "eligible class" (as described in Eligible Class below).

Eligible Class

The "eligible class" are those employees who are employed in a job classification that is covered by the Plan.Generally, you are in the eligible class if you are employed by the Employer in any capacity. However, you will not becovered under the Plan, if:

You are employed at St. Stephens Community Services, Inc., Catholic Social Services, Inc., or St. VincentFamily Centers

You are a temporary or seasonal employee;

You are a leased Employee

Youwill be covered under the Plan with respect to Participant Contributions, Matching Contributions, andNonelective Contributions if:

You normally work 30 hours or more per week at least 20 weeks per plan year.

You will not be covered under the Plan with respect to Participant Contributions, Matching Contributions, andNonelective Contributions if:

You are a participant in the Diocese of Columbus Retirement Plan for Priests.

You will not be covered under the Plan with respect to Nonelective Contributions if:

You were not a participant in the Diocese of Columbus Lay Teachers or Lay Employees Plan as ofDecember 31, 2013.

How can I contribute?If you are in an “eligible class” with respect to Participant Contributions you are required to make ParticipantContributions to your Account in an amount equal to 2% of your Compensation. Compensation you earned beforeyou first became eligible to participate in the Plan with respect to Participant Contributions will be excluded indetermining the amount of your Participant Contributions.

19

PLAN HIGHLIGHTS

Traditional Before-tax and Roth after-tax contributionsIn no event may you elect to make Contributions in an amount less than $200 for any Plan Year or in anamount more than the maximum amount allowed by law.

Through the convenience of payroll deductions, you can make before-tax or Roth after-tax electivedeferrals up to the lesser of $17,500 or 100% of includible compensation. Your before-tax contributions –and any earnings – will accumulate tax deferred until withdrawn (generally at retirement), at which timewithdrawals will be taxed as ordinary income.* Roth contributions will be included as taxable income.Earnings on Roth contributions will accumulate tax free, and retirement withdrawals may be exempt fromfederal income tax.

*Withdrawals made prior to 59½ are subject to a 10% federal withdrawal penalty unless an exceptionapplies.

Catch-up contributionsIf you are 50 years of age or older during the calendar year, you may be able to contribute up to anadditional $5,500 in 2013 into your plan as a “catch-up” contribution.

If you are a qualified employee, the annual limit may be increased by up to $3,000 each calendar year (subject to anoverall limit of up to $15,000). You are a "qualified employee" if you have completed at least 15 years of service withan educational organization, hospital, home health service agency, health and welfare service agency, church,convention or association of churches, or a tax-exempt organization controlled by or associated with a church or aconvention or association of churches.

Your contributions are always 100% vested.

Are rollovers accepted?Your plan may allow you to roll additional retirement assets into the plan at any time. A rollover form isavailable within this booklet. For more information, call your Participant Service Center at 1-800-528-9009,visit www.massmutual.com/serve or contact your benefits administrator.

Can I change how much I contribute?You may start, stop, increase or decrease your contribution as often as your employer allows. If you stopcontributions and start again at a later date, certain restrictions may apply.

Will my employer be making contributions?In addition to your contributions, the Employer may make Employer Contributions to your Account. You are nottaxed on any Employer Contributions made to your Account until distribution is made to you.

Matching Contributions

Each month, the Employer will make a Matching Contribution to your Account equal to the amount of yourParticipant Contributions for the month.

Nonelective Contributions

Each month, the Employer will make a Nonelective Contribution to your Account equal to a percentage of yourCompensation for the month. The percentage will be as specified in the following chart, based on your age and yearsof Vesting Service on January 1, 2014:

20

PLAN HIGHLIGHTS

Sum of Age and Years of Vesting Service onJanuary 1, 2014

Percentage of Compensation

Less than 55 1.5%

At least 55, but less than 75 2.5%



At least 90 4.0%

Allocation Requirements

You will receive Nonelective Contributions for a particular month if you are eligible to participate in the Plan withrespect to Nonelective Contributions at any time during that month.

You will receive Matching Contributions for a particular month if you are eligible to participate in the Plan withrespect to Matching Contributions at any time during that month.

Vested Interest in Employer Contributions

Your Vested Interest in the Nonelective and Matching Contributions in your Account is determined by the followingschedule:

Years of Vesting Service Vested Interest

Less than 2 0%

2, but less than 3 20%




6 or more 100%

If you are employed by the Employer on your Normal Retirement Date, the date you become disabled, or the dateyou die, your Vested Interest in the Nonelective and Matching Contributions in your Account will be 100%.

Vesting Service

Vesting Service is used to determine your Vested Interest in the Nonelective and Matching Contributions in yourAccount.

Crediting of Vesting Service

You are credited with Vesting Service for the number of full years and completed months of continuous employmentduring which you receive Employer Contributions to the Plan until you are no longer eligible to receive EmployerContributions or until your Severance Date, whichever is earlier. Vesting Service is the same as the term “CreditedService” defined in the Diocese of Columbus Retirement Plan for Lay Teachers and the Diocese of ColumbusRetirement Plan for Lay Employees.

21

PLAN HIGHLIGHTS

What are my investment choices?The contract offers a wide variety of investment options to meet your needs, including a General (DeclaredRate) Account which provides a credited rate of interest. You can direct your contributions into one or moreof the available investment options. See the investment section of this booklet for more information.

Competing investment option restrictionsYou have the flexibility to transfer amounts from one investment option to another. The transfer of assetspresently held in the General (Declared Rate) Account, or which were held in the General (Declared Rate)Account at any time during the preceding three months, to any account that we determine is a competinginvestment option, is prohibited.

Online retirement planning and advisory services — GuidanceMorningstar Associates provides asset allocation recommendations through their online service. This serviceintegrates investment research, education and asset allocation guidance to give you a comprehensive andpersonalized approach to investing for retirement from a trusted independent source Morningstar Associates, LLC*.This service can be accessed through your retirement plan website.

*Investment advisory products and services are provided by Morningstar Associates, LLC, a registered investmentadviser and a wholly owned subsidiary of Morningstar, Inc. MassMutual is not affiliated with Morningstar Associates.

What are the fees and charges associated with this plan?There are costs associated with the underlying investment options offered under MassMutual's program. Fora complete listing of these fees and charges, please refer to the Investment Option Fee Schedule in theinvestment section of this booklet.

Your account may be subject to a one time loan set-up fee in the amount of $50 as well as a $50 annualloan administration fee applicable for the life of the loan.

There may be other administrative fees that apply, all of which are outlined in this booklet.

Can I take money out of my account?Your account assets may generally be withdrawn from your 403(b) plan under the following qualifyingcircumstances:

RetirementSeverance of employmentDisabilityHardship (your plan may limit to a portion of your account)LoanAttainment of age 59 ½Required Minimum Distribution – attainment of age 70 ½

Withdrawals may be subject to authorization of your employer. However, you must begin liquidating youraccount balances no later than April 1st of the calendar year following the year in which you attain the age of 70½ orretire (whichever is later). Distributions of before-tax contributions and any tax-deferred earnings are subject toordinary income tax and, if taken prior to age 59½, a 10% federal income tax penalty may apply. Roth contributionsand earnings can be withdrawn tax-free if the Roth contributions have been in place for at least five tax years and thewithdrawal is made after age 59½ or is due to disability or death. Consult your employer for more details.

Withdrawal/surrender chargesThere are no withdrawal charges. However, should your employer allow plan assets to be transferred to anyadditional program provider other than MassMutual, this provision may change. Contact your employer oryour Participant Service Center for more information.

22

It pays to plan for life in retirement. What are your retirement goals? How do you plan to achieve them? A large part of retirement is the flexibility to do what you want when you want, and that kind of flexibility takes planning. Your employer’s retirement savings plan can help. Inflation matters. Retirement is expensive enough already – factor in inflation, and the costs can be stunning. Just eating in retirement can cost two people over $200,000 - $5 a meal, 3 meals a day, over 20 years. Adding a modest 3% annual inflation rate, the cost swells to nearly $300,000. How you live in retirement may be determined by what you can afford when the time comes. By preparing today, you may have more choices for your life tomorrow. How much should you save? It depends on how much money you'd like to have in retirement and when you start investing. The earlier you start, the more time your money has to work for you. To help you decide how much to save, check out the Retirement Goal Planner at www.massmutual.com/serve or ask a financial professional for advice. Learn more. To access your account information and our online tools, calculators, and resources, go to www.massmutual.com/serve. If you have questions and need to talk to a real person, call 1-800-528-9009.

23

24 RS2070_GP2 514

��startswithastrategy

OPTION 1 OPTION 2

You’ve got options. There is no one-size-fits-all approach to investing. That’s why your plan offers multiple strategies for asset management. You can select a target date fund or you can opt to build your own portfolio by selecting from your plan’s individual investment options.

Select a target date fund. What year will you retire? That’s all you need to know to select one of the target date funds. An “all-in one” investment portfolio, a target date fund is a diversified mix of investment options that takes into consideration the time you have to invest before you retire. It is diversified across a mix of investment options and automatically rebalanced to help keep the fund’s allocation on track. You simply choose the fund that is closest to your target retirement date. Adjusting over time, the allocation of investments becomes more conservative as you get closer to your retirement date. The principal value of the target date investment option is not guaranteed at any time, including the target date.

Choose your own investments. You can build your portfolio from any of the individual investment options in the plan. This strategy is best suited to investors who have taken the time to study their investment options. Your retirement plan offers a variety of investment options, covering a range of risk levels and investment objectives. Some investment options seek an increase in the value of shares (growth) while others aim to earn income (dividends or interest) for investors. Before making your investment decisions, you may want to consult with a financial professional.

The questionnaire on the following pages is designed to help you identify your investing style, which may help you decide which investment option might be right for you.

INVESTOR SELF-ASSESSMENT QUESTIONNAIRE

This questionnaire can help you determine your investing comfort zone and what type of investment mix might be best for your goals and objectives. Add up the points for each question and check your score on the following page to help you select your investment mix.

1. Which hypothetical investment option would you choose?

FIRST YEAR RETURN POTENTIAL

First-year gain (max) Chance of first-year loss

8% increase 0% 0

20% 20% 2

25% 33% 4

2. My main objective for my investment portfolio is to:

Avoid losses 0

Keep pace with the stock market 2

Outperform the stock market 4

3. If my $100,000 long-term investment dropped in value to $85,000 after one year and rose to $125,000 after two years, I would be:

Extremely uncomfortable – I would move my money immediately to a lower risk investment to protect my gain 0

Slightly uncomfortable – I would move my money to a lower risk investment to protect my gain 2

Comfortable – I would maintain my investment 4

4. If I could potentially get a higher rate of return by accepting greater volatility in my portfolio, I would:

Accept a lot more volatility 4 Accept slightly more volatility 2 Not accept any more volatility 0

5. Below are five investment models with hypothetical maximum returns and maximum losses over a one-year period. I would feel most comfortable investing in:

Portfolio A 4 Portfolio B 3 Portfolio C 2 Portfolio D 1 Portfolio E 0

6. If my $100,000 long-term investment declined in value during the first year, I would move it to a lower risk investment when it declined in value to:

$95,000 (loss of 5%) 0 $90,000 (loss of 10%) 1 $85,000 (loss of 15%) 2 $80,000 (loss of 20%) 3 I would not move it 4

7. A hypothetical $100,000 investment has the possibility of losing $10,000 in the first year. What is the minimum potential one-year gain you would accept given the possibility of loss for you to be comfortable with this investment?

$10,000 4 $25,000 3 $35,000 2 $45,000 2 I would not risk losing that amount of money 0

�� areyou?

-20%

-10%

0%

10%

20%

30%

40% 42.05%

35.22%

29.25%

22.32%17.00%

-14.39%-11.27%

-8.52%-5.18%

-3.19%

A B C D E

25

8. When attempting to achieve my investment goals:

I don’t want my portfolio to lose any value, even if it will take longer to achieve my investment goals 0

I will tolerate small fluctuations in my portfolio’s value 1

I will tolerate moderate fluctuations in my portfolio’s value 2

I will tolerate large fluctuations in my portfolio’s value 3

I will tolerate extreme fluctuations in my portfolio’s value 4

Tally your results by adding the points from questions 1 through 8.

Your total _____________

RS2070_ QUIZ 614

INVESTOR SELF-ASSESSMENT SCORE

Find your total score in the chart below, along with your retirement timeline, to see what type of investment mix may be best for you. This chart is only a guide. Please determine your own investing comfort zone.

YEARS TO RETIREMENT 0–3 POINTS 4–11 POINTS 12–22 POINTS 23–28 POINTS 29–32 POINTS

0–3 years Conservative Conservative Conservative Conservative Conservative

3–5 years Conservative Moderate Moderate Moderate Moderate Conservative Conservative Conservative Conservative

5–7 years Conservative Moderate Moderate Moderate Moderate Conservative

7–12 years Conservative Moderate Moderate Moderate Moderate Conservative Aggressive Aggressive

12+ years Conservative Moderate Moderate Moderate Aggressive Conservative Aggressive

Investor Self-Assessment Questionnaire is provided by Mesirow Financial Investment Management, Inc. Mesirow Financial Investment Management, Inc. is an SEC-registered investment advisor and is not an affiliate or subsidiary of MassMutual.

The results of this questionnaire are intended to help you identify what your optimal asset allocation model may be. The questionnaire is not intended to provide a complete investment profile or to offer individual advice. Mesirow Financial created these risk-based asset allocation models using the following six asset classes: Large Cap Blend Domestic Equity; Mid Cap Blend Domestic Equity; Small Cap Blend Domestic Equity; Large Cap Blend foreign Equity; Intermediate-Term Domestic Bond; and Cash Equivalent/Principal Focused-Extended Duration.

26

Asset allocation is the strategy of spreading your account contributions over a variety of investment categories and/or individual investments. Here are five examples of risk-based investment mixes that you may use as a guide when selecting your investment options.

Note: The sample portfolios are illustrative only and do not represent actual investment mixes.

AssetClasses

�� :risk-basedinvestmentmodels

Aggressive model Bonds: 10% | Large-cap: 42% | Mid-cap: 12% | Small-cap: 10% | International/Global: 26% For investors who are willing and able to stay the course through short-term volatility and want the potential for high portfolio returns over the long term. They should have a long time horizon and a high tolerance for risk, as frequent short-term losses and extreme volatility are to be expected.

Moderate aggressive model Bonds: 25% | Large-cap: 36% | Mid-cap: 9% | Small-cap: 8% | International/Global: 22% For investors with a longer time horizon. While their portfolio will typically have a higher than average volatility, it may provide for the potential of higher than average returns over the long term. Investors should be willing to accept short-term losses and less stable returns.

Moderate model Money market/Stable value: 6% | Bonds: 34% | Large-cap: 33% | Mid-cap: 6% | Small-cap: 5% | International/Global: 16% For investors who are equally concerned with balancing their level of risk and return. They look to have returns in excess of inflation and increase value over the long term. Should be willing to accept short-term losses and fluctuations in portfolio value.

Moderate conservative model Money market/Stable value: 12% | Bonds: 48% | Large-cap: 24% | Mid-cap: 4% | Small-cap: 2% | International/Global: 10% For investors attempting to avoid a loss of assets in the short term, with a secondary objective of seeking a higher return over the long term to mitigate the effects of inflation. The portfolio may have some relative stability, but in order to combat inflation, some fluctuations in the portfolio should be expected.

Conservative model Money market/Stable value: 20% | Bonds: 60% | Large-cap: 13% | Mid-cap: 2% | International/Global: 5% For investors with short-term investment horizons, who want to minimize the potential for loss of value and who are looking for stability of assets. Portfolio may have steady and more predictable returns than more aggressive portfolios. Investors should be willing to forgo the potential for higher long-term returns for stability.

Take some time today to learn about your plan’s investment options to help you make informed decisions.

Asset Allocation modeling offered by Mesirow Financial Investment Management, Inc. Mesirow Financial Investment Management, Inc. is an SEC-registered investment advisor and is not an affiliate or subsidiary of MassMutual.

The information provided in this presentation by Mesirow Financial Investment Management, Inc. is for informational purposes only and should not be construed as a recommendation to purchase or sell any particular security or investment vehicle(s) offered by Mesirow Financial Investment Management, Inc. (MFIM) or affiliates of MFIM. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. Any opinions expressed are subject to change without notice. Mesirow Financial and its affiliated companies and/or individuals may, from time to time, own, have long or short positions in, or options on, or act as a market maker in, any securities or investment strategies discussed herein and may also perform financial advisory or investment banking services for those companies or in regard to those strategies. Further, Mesirow Financial may receive fees for selling or advising on the purchase or sale of products mentioned herein. Additionally, Mesirow Financial may also receive fees paid by manufacturers or distributors of said products in connection to other professional services provided by the applicable Mesirow Financial affiliate. The sale or advice provided is in no way related to or contingent upon the payment received for these other services. It should not be assumed that any recommendation incorporated herein will be profitable or will equal past performance. Mesirow Financial does not provide legal or tax advice. Model performance information and results do not reflect actual trading and the results may not reflect the impact that material economic and market factors may have had on MFIM’s decision making if MFIM were actually managing clients’ money. Any securities contained or investment strategies used in the model performance results provided herein do not relate or only partially relate to the advisory services currently offered by MFIM. MFIM’s clients may have had results materially different from the results provided. Securities offered through Mesirow Financial Investment Management, Inc., member NYSE, SIPC.

RS2070_ QUIZ 215 27

UndeRstanding YOUR investment OPtiOns.

Your plan offers a variety of investments, whichare made up of different types of securities, asdescribed below.

Money market/Stable value investmentsthese short-term investments are designed to providea steady rate of return, greater investment stability, anda relatively lower level of risk. although the portfolioseeks to preserve the value of your investment at $1.00per share, it is possible to lose money in a stable valueinvestment, and the yield will fluctuate with changes inmarket conditions. Over time, these investments haveprovided lower returns than stock or bond funds.investments in a money market account are not insuredor guaranteed by the Federal deposit insuranceCorporation or any other government agency.

Bondsbonds represent “loans” investors make tocorporations, governments or agencies, and aredesigned to provide stability, income, and someappreciation in value. if held to maturity, bonds offer afixed rate of return and a fixed principal value. bondsgenerally offer a potentially higher return than moneymarket/stable value investments and a lower returnthan stocks. the value of bonds usually fluctuates lessthan stocks. However, corporate bonds, U.s. treasurybills, and government bonds will fluctuate in value,and the return of principal is not guaranteed if soldbefore maturity.

Stocksstocks represent part ownership in a business and aremeant to provide long-term growth by increasing invalue. some stocks also provide dividend income.Historically, stocks have outperformed other types ofinvestments over the long term. However, stocksfluctuate in value more than money market/stablevalue investments or bonds, and when sold may beworth more or less than their original cost. keep inmind that you can’t predict future results based onhow the market performed in the past.

Balanced investmentsbalanced investments consider the risk and returnpotential of each asset class and invest a percentageof assets in both stocks and bonds, along with a smallamount in stable value investments for liquidity.

International stocksinvestments in stocks issued by foreign businessesprovide investors with potential long-term growth ofcapital while helping to diversify their portfolios.Foreign stocks may offer greater returns than U.s.investments but also involve higher risks relating tointerest and currency exchange rates, securitiesregulation, and taxes, as well as unstable economic orpolitical conditions. international stocks fluctuate invalue and may be worth more or less than theiroriginal cost. global investments have assets in bothforeign and U.s. stocks.

large-cap* stocksLarge-cap stocks are shares in large, financiallyestablished “blue chip” companies with a market capof over $10 billion. the goal of these investments isthe long-term growth of capital. Risk and return aretypically moderate to high.

Mid-cap* stocksthese shares in companies in the $2 billion to $10billion market cap range seek long-term growth. sincemid-cap stocks may fluctuate more widely than themore stable large-cap stocks, there is a potential forgreater long-term growth as well as higher risk.

Small-cap* stockssmall-cap stocks represent companies with a marketcap of $300 million to $2 billion. Over long periods oftime, small-cap stocks have had higher returns thanlarge-cap stocks, which makes them attractive toaggressive investors. at the same time, they are muchmore volatile and have higher short-term risk.

Specialty stocksspecialty investments are concentrated in a specificarea of the market, such as technology or health care.because they are focused on a small market segment,these investments tend to have both a higher risk andhigher potential for return than more diversifiedinvestments.

all investments possess some element of risk,including possible loss of principal. Past performanceis no guarantee of future results.

*the term “cap” is short for market capitalization, which iscalculated by multiplying the price of a stock by thenumber of outstanding shares. generally speaking, thisrepresents the market’s estimate of a company’s value.

28

Investment options at a glance

How much risk you are comfortable with is an important consideration in choosing how you allocate your assets. How do you feel about investment risk – the chance that your investments could lose money? You also need to think about inflation risk – the risk that conservative investments such as short-term investments may not keep pace with inflation. Investing in more than one asset class – or a blend of them – may help you to balance your risk.

Investment Options RISK/RETURN SPECTRUMFor illustrative purposes only; please consult an investment profile or prospectus for detailed risk/return information.

RS2070_RISKRET 814

HIGHER RETURN/HIGHER RISK

Specialty1 International/Global2 American Funds EuroPacific Growth-R3

American Funds New Perspective-R3 MFS International Value-R3 MFS Research International-R3 Oppenheimer International Diversified A

Small-cap3 Dreyfus Small Cap Stock Index

Goldman Sachs Small Cap Value-A Invesco Small Cap Growth-A Victory Sycamore Small Company Opportunity-A

Mid-cap4 Ave Maria Growth

Ave Maria Value Dreyfus Midcap Index Janus Henderson MidCap Value-S Prudential Jennison Mid-Cap Growth Fund-A Victory Sycamore Established Value-A

Large-cap Ave Maria Rising Dividend

JPMorgan US Equity-A Putnam Equity Income-R T.Rowe Price Growth Stock-R TIAA-CREF Equity Index R TIAA-CREF Large-Cap Growth Index R TIAA-CREF Large-Cap Value Index R

Asset allocation/Balanced* American Funds Capital Income Builder-R3

JPMorgan SmartRetirement 2020-A JPMorgan SmartRetirement 2030-A JPMorgan SmartRetirement 2040-A JPMorgan SmartRetirement 2050-A JPMorgan SmartRetirement Income-A

Bonds5 AB High Income-A

Ave Maria Bond-R

29

30

LOWER RETURN/LOWER RISK

Delaware Extended Duration Bond A Dreyfus Bond Market Index-INV PIMCO Real Return-A Premier Barings High Yield-R4

Money market/Stable value6 General (Declared Rate) Account

1 The fund’s investments are concentrated in a specific industry or sector, and are subject to greater risk than traditional diversified equity funds.

2 Investing in foreign issuers and non-dollar securities may involve different and additional risks associated with foreign currencies, investment disclosure, accounting, securities regulation, commissions, taxes, political or social instability, war, or expropriation.

3 Small company investing involves specific risks not necessarily encountered in large company investing, such as increased volatility.

4 Mid-cap stocks generally have higher risk characteristics than large-company stocks.

5 Securities rated “BB” and below are referred to as “high yield, high risk” securities or “junk bonds.” High yield bonds generally involve greater credit risk and may be more volatile than investment-grade bonds.

6 Money market funds are not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share (unit), it is possible to lose money investing it in the fund. If a money market fund is pending liquidation under the U.S. Treasury Department’s Guarantee Program, there may be a period of time in which assets cannot be invested or redeemed.

* Does not include asset allocation models, if available in your plan.

31

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ains

t w

hich

eac

h in

vest

men

t o

pti

on’

s p

erfo

rman

ce c

an b

e co

mp

ared

. W

hile

pas

t p

erfo

rman

ce is

nev

er a

gua

rant

ee o

f fu

ture

per

form

ance

, it’

s es

pec

ially

imp

ort

ant

to r

emem

ber

thi

s w

hen

eval

uati

ng a

fun

d’s

per

form

ance

ove

r a

sho

rt

per

iod

of

tim

e (e

.g.,

less

tha

n o

ne y

ear)

. Sho

rt-t

erm

res

ults

– p

osi

tive

or

neg

ativ

e –

may

be

due

to

one

-tim

e o

r ex

trao

rdin

ary

even

ts, w

hich

may

lead

to

unu

sual

p

erfo

rman

ce w

hich

is n

ot

a fa

ir r

epre

sent

atio

n o

f th

e fu

nd’s

long

er-t

erm

per

form

ance

po

tent

ial.

Fee

s an

d e

xpen

ses

are

amo

ng m

any

fact

ors

to

co

nsid

er w

hen

you

dec

ide

to in

vest

in a

n o

pti

on.

Yo

u m

ay a

lso

wan

t to

thi

nk a

bo

ut w

heth

er a

n in

vest

men

t in

a

par

ticu

lar

op

tio

n, a

long

wit

h yo

ur o

ther

inve

stm

ents

, fits

wit

h yo

ur p

erso

nal c

ircu

mst

ance

s an

d w

ill h

elp

yo

u ac

hiev

e yo

ur in

vest

men

t g

oal

s.

The

cum

ulat

ive

effe

ct o

f fe

es a

nd e

xpen

ses

can

sub

stan

tial

ly r

educ

e th

e g

row

th o

f yo

ur r

etir

emen

t p

lan

acco

unt.

Vis

it t

he D

epar

tmen

t o

f L

abo

r’s

Web

sit

e fo

r an

ex

amp

le s

how

ing

the

long

-ter

m e

ffec

t o

f fe

es a

nd e

xpen

ses

at w

ww

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l.go

v/eb

sa/p

ublic

atio

ns/4

01k

_em

plo

yee.

htm

l. 1 W

ith

resp

ect

to m

utua

l fun

d in

vest

men

t o

pti

ons

, the

gro

ss a

nnua

l und

erly

ing

exp

ense

rat

io is

pre

sent

ed a

s th

e to

tal a

nnua

l fun

d o

r cl

ass

op

erat

ing

exp

ense

s, b

efo

re

wai

vers

and

dis

bur

sem

ents

, tha

t ha

ve b

een

pai

d b

y th

e fu

nd a

nd s

tate

d a

s a

per

cent

of

the

fund

's t

ota

l net

ass

ets.

The

net

ann

ual u

nder

lyin

g e

xpen

se r

atio

is

pre

sent

ed a

s th

e an

nual

fun

d o

r cl

ass

op

erat

ing

exp

ense

s, le

ss a

ny e

xpen

se w

aive

rs a

nd d

isb

urse

men

ts t

hat

have

bee

n p

aid

by

the

fund

and

sta

ted

as

a p

erce

nt o

f th

e fu

nd's

to

tal n

et a

sset

s. W

ith

resp

ect

to in

vest

men

t o

pti

ons

tha

t ar

e no

t m

utua

l fun

ds,

the

se e

xpen

se r

atio

s ar

e in

tend

ed t

o p

rese

nt s

imila

r in

form

atio

n, b

ut m

ay

have

bee

n ca

lcul

ated

usi

ng m

etho

do

log

ies

that

diff

er f

rom

tho

se u

sed

fo

r m

utua

l fun

d in

vest

men

t o

pti

ons

. Und

erly

ing

Fun

d E

xpen

se R

atio

s p

rese

nted

her

e d

o n

ot

refle

ct t

he e

ffec

t o

f th

e P

rog

ram

and

Ad

min

istr

atio

n C

harg

e (s

om

etim

es r

efer

red

to

as

a “s

epar

ate

acco

unt

char

ge”

, or

a “m

ort

alit

y, e

xpen

se r

isk

and

ad

min

istr

ativ

e ch

arg

e”)

app

licab

le t

o y

our

Pla

n's

cont

ract

. 2 A

Pro

gra

m a

nd A

dm

inis

trat

ive

Cha

rge

may

be

ded

ucte

d f

rom

the

ret

urns

on

the

inve

stm

ent

op

tio

ns in

the

Pla

n, a

sses

sed

ag

ains

t p

arti

cip

ant

acco

unts

on

a q

uart

erly

bas

is o

r p

aid

dir

ectl

y b

y th

e p

lan

spo

nso

r to

co

ver

cert

ain

adm

inis

trat

ive

serv

ices

und

er t

he P

lan'

s co

ntra

ct. F

or

furt

her

info

rmat

ion,

ple

ase

refe

r to

"T

he

Pla

n's

Ad

min

istr

ativ

e F

ees

and

Exp

ense

s."

If P

lan

Ad

min

istr

ativ

e fe

es a

re c

harg

ed t

o y

our

acc

oun

t b

alan

ce, t

he a

ctua

l do

llar

amo

unt

will

be

rep

ort

ed t

o y

ou

in t

he

cale

ndar

qua

rter

fo

llow

ing

the

qua

rter

in w

hich

the

cha

rge

occ

urs.

Ple

ase

refe

r to

yo

ur q

uart

erly

acc

oun

t st

atem

ent

for

info

rmat

ion

on

any

fees

act

ually

cha

rged

to

yo

ur a

cco

unt.

3 If

a P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e is

ded

ucte

d o

n th

e in

vest

men

t o

pti

ons

, the

To

tal G

ross

Ann

ual E

xpen

se R

atio

is in

tend

ed t

o r

efle

ct t

he e

ffec

t o

f th

e P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e ap

plic

able

und

er y

our

Pla

n's

cont

ract

by

add

ing

the

cha

rge

to t

he G

ross

Ann

ual U

nder

lyin

g F

und

Exp

ense

Rat

io f

or

each

ap

plic

able

inve

stm

ent

op

tio

n. T

he T

ota

l Net

Ann

ual E

xpen

se R

atio

is in

tend

ed t

o r

efle

ct t

he e

ffec

t o

f th

e P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e ap

plic

able

und

er y

our

P

lan'

s co

ntra

ct b

y ad

din

g t

he c

harg

e to

the

Net

Ann

ual U

nder

lyin

g F

und

Exp

ense

Rat

io f

or

each

ap

plic

able

inve

stm

ent

op

tio

n.

Inve

stm

ent

Op

tio

n P

erfo

rman

ce a

nd A

pp

licab

le F

ees

and

Cha

rges

F

or

the

Per

iod

End

ing

May

31,

2017

4 A

vera

ge

annu

al r

etur

ns a

re c

alcu

late

d a

s a

stea

dy

com

po

und

ed r

ate

of

retu

rn o

ver

the

per

iod

of

tim

e in

dic

ated

. Ret

urns

are

his

tori

cal a

nd in

clud

e ch

ang

e in

sha

re

valu

e an

d r

einv

estm

ent

of

div

iden

ds

and

cap

ital

gai

ns, i

f an

y. T

ota

l ret

urns

tha

t ar

e le

ss t

han

one

yea

r ar

e no

t an

nual

ized

. 5 If

a P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e is

ded

ucte

d o

n th

e in

vest

men

t o

pti

ons

, the

se p

erfo

rman

ce d

ata

refle

ct t

he d

educ

tio

n o

f th

e P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e ap

plic

able

to

yo

ur P

lan'

s C

ont

ract

, but

do

no

t re

flect

the

po

ssib

le im

po

siti

on

of

any

red

emp

tio

n fe

es o

r ch

arg

es a

sso

ciat

ed w

ith

any

wit

hdra

wal

ben

efit

s th

at

may

be

avai

lab

le t

hro

ugh

your

Pla

n. Y

our

pla

n sp

ons

or

may

ele

ct t

o h

ave

the

Pro

gra

m a

nd A

dm

inis

trat

ive

Cha

rge

ded

ucte

d f

rom

yo

ur p

lan'

s co

ntra

ct v

alue

s o

n a

qua

rter

ly b

asis

or

may

ele

ct t

o p

ay t

he P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e d

irec

tly.

In e

ithe

r o

f th

ese

case

s, t

hese

per

form

ance

dat

a d

o n

ot

refle

ct t

he d

educ

tio

n o

f th

e P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e ap

plic

able

to

yo

ur P

lan'

s co

ntra

ct.

6 S

ince

ince

pti

on

retu

rn is

use

d f

or

fund

s fe

wer

tha

n 10

yea

rs o

ld. T

he p

erfo

rman

ce r

etur

ns r

efle

cted

in t

his

char

t ar

e ca

lcul

ated

to

the

ince

pti

on

dat

e o

f th

e in

itia

l cl

ass

of

the

fund

. The

per

form

ance

ret

urns

ref

lect

ed in

thi

s ch

art

wit

h re

spec

t to

eac

h b

ench

mar

k in

vest

men

t ar

e ca

lcul

ated

to

the

ince

pti

on

dat

e o

f th

e fu

nd s

hare

cl

ass

to w

hich

it is

bei

ng c

om

par

ed.

8 A

ny f

ees

des

crib

ed in

thi

s se

ctio

n ar

e fe

es p

aid

dir

ectl

y fr

om

yo

ur in

vest

men

t in

thi

s o

pti

on

(e.g

. red

emp

tio

n fe

es, e

xcha

nge

fees

, acc

oun

t fe

es, p

urch

ase

fees

, tr

ansf

er o

r w

ithd

raw

al f

ees,

or

surr

end

er c

harg

es).

13

Inve

stm

ents

in f

ore

ign

secu

riti

es m

ay in

volv

e d

iffer

ent

and

ad

dit

iona

l ris

ks a

sso

ciat

ed w

ith

fore

ign

curr

enci

es, i

nves

tmen

t d

iscl

osu

re, a

cco

unti

ng, s

ecur

itie

s re

gul

atio

n, c

om

mis

sio

ns, t

axes

, po

litic

al o

r so

cial

inst

abili

ty, w

ar o

r ex

pro

pri

atio

n.

14 S

mal

l co

mp

any

sto

cks

gen

eral

ly h

ave

hig

her

risk

rew

ard

cha

ract

eris

tics

tha

n la

rge

com

pan

y st

ock

s.

15 M

id C

ap s

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ener

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e hi

ghe

r ri

sk a

nd r

ewar

d c

hara

cter

isti

cs t

han

larg

e co

mp

any

sto

cks.

Th

ere

are

spec

ific

risk

s as

soci

ated

wit

h ce

rtai

n in

vest

men

t o

pti

ons

. Fo

r ad

dit

iona

l det

ails

, ple

ase

refe

r to

the

Inve

stm

ent

Op

tio

n Sh

eets

incl

uded

in t

his

Enr

ollm

ent

Bo

ok.

T

he P

rem

ierE

nter

pri

seS

M r

etir

emen

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rog

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und

ed b

y a

gro

up f

ixed

ann

uity

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HL-

1979

4)

issu

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artf

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om

pan

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imsb

ury,

CT

).

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ntra

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adm

inis

tere

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assa

chus

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Mut

ual L

ife In

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Co

mp

any.

P

erfo

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igur

es d

o n

ot

incl

ude

the

effe

ct o

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fro

nt s

ales

cha

rges

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ce a

ny s

ales

cha

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are

wai

ved

fo

r co

ntri

but

ions

mad

e th

roug

h yo

ur e

mp

loye

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rem

ent

pla

n.

Per

form

ance

do

es n

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refle

ct t

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educ

tio

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f an

y p

lan

char

ges

whi

ch m

ay b

e as

sess

ed t

o p

lan

par

tici

pan

ts.

All

of

the

mut

ual f

und

per

form

ance

info

rmat

ion

cont

aine

d in

thi

s ta

ble

was

sup

plie

d b

y Li

pp

er, A

Tho

mso

n R

eute

rs C

om

pan

y, s

ubje

ct t

o t

he f

ollo

win

g: C

op

yrig

ht

2017

© L

ipp

er, a

Tho

mso

n R

eute

rs C

om

pan

y. A

ll ri

ght

s re

serv

ed. A

ny c

op

ying

, rep

ublic

atio

n o

r re

dis

trib

utio

n o

f Li

pp

er c

ont

ent,

incl

udin

g b

y ca

chin

g, f

ram

ing

or

sim

ilar

mea

ns, i

s ex

pre

ssly

pro

hib

ited

wit

hout

the

pri

or

wri

tten

co

nsen

t o

f Li

pp

er. L

ipp

er s

hall

not

be

liab

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or

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erro

rs o

r d

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the

co

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r an

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tio

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ken

in r

elia

nce

ther

eon.

32

Inve

stm

ent

Op

tio

n P

erfo

rman

ce a

nd A

pp

licab

le F

ees

and

Cha

rges

F

or

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Per

iod

End

ing

May

31,

2017

The

met

hod

olo

gy

used

in t

he h

ypo

thet

ical

per

form

ance

cal

cula

tio

ns f

or

the

Janu

s in

vest

men

t o

pti

ons

may

dif

fer

fro

m t

he m

etho

do

log

y us

ed b

y Ja

nus.

The

refo

re,

the

per

form

ance

ret

urns

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wn

may

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fer

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m t

hose

pro

vid

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irec

tly

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r th

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me

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the

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iffe

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gni

fica

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at

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arti

cula

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oin

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tim

e. J

anus

ap

pro

ves

the

use

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an a

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nati

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etho

d t

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oth

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© 2

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rnin

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Nei

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. Cur

rent

per

form

ance

may

va

ry f

rom

the

per

form

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dat

a q

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d. F

or

per

form

ance

dat

a cu

rren

t to

the

mo

st r

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t m

ont

h-en

d, v

isit

our

web

site

at

ww

w.m

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utua

l.co

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erve

.

IN

TER

NA

TIO

NA

L/G

LOB

AL

Inve

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Am

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99

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s an

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34

Inve

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Per

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Per

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End

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0

11.7

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16

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%

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8.3

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01/

02/

199

7

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US

A N

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Fo

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Gro

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1.26

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18.4

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17.2

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3.

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%

6.6

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200

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A G

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9

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mal

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Sm

all C

ap S

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Sm

all B

lend

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5.50

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9.3

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6/3

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99

7

Rus

sell

200

0 T

R U

SD

20

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17

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7.4

6%

10

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%

10/2

2/19

92

Rus

sell

200

0 T

R U

SD

20

.36

%

14.0

4%

6

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N/A

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12.8

0

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/19

95

Rus

sell

200

0 G

row

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R U

SD

19

.71%

14

.36

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N/A

Fee

s an

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13.10

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21.9

1%

14.7

9%

7.

62%

10

.07%

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3/26

/19

99

Rus

sell

200

0 V

alue

TR

US

D

21.0

0%

13

.67%

5.

31%

N

/A

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s an

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estr

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: N/A

MID

-CA

P

Mid

-cap

sto

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gen

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ly h

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Gro

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15.3

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12

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8.13

%

10.6

4%

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5/0

1/20

03

Rus

sell

Mid

Cap

Gro

wth

TR

US

D

16.6

8%

14

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7.

65%

N

/A

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s an

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7%

05/

01/

200

1

Rus

sell

Mid

Cap

TR

US

D

15.8

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15

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32%

N

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Per

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99

1

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sell

Mid

Cap

TR

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D

15.8

6%

15

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32%

N

/A

Fee

s an

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estr

icti

ons8

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end

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11

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8/1

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98

Rus

sell

Mid

Cap

Val

ue T

R U

SD

15

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15

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17

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N

/A

Fee

s an

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estr

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den

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11

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12

/31/

199

6

Rus

sell

Mid

Cap

Gro

wth

TR

US

D

16.6

8%

14

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7.

65%

N

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Fee

s an

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estr

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Vic

tory

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4

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14

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8

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08

/16

/19

83

Rus

sell

Mid

Cap

Val

ue T

R U

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15

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15

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N

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9.7

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7.37

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8.9

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0

5/0

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05

Rus

sell

100

0 T

R U

SD

17

.48

%

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N/A

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s an

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estr

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org

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7.6

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10

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9/1

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93

Rus

sell

100

0 T

R U

SD

17

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15.3

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N/A

Fee

s an

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estr

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Put

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16

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6

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06

/15/

1977

Rus

sell

100

0 V

alue

TR

US

D

14.6

6%

14

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N

/A

Fee

s an

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estr

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N/A

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50

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sell

100

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15

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N/A

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T

o p

rovi

de

a g

uara

ntee

d s

trea

m o

f re

tire

men

t in

com

e fo

r yo

ur li

fe b

ased

on

the

num

ber

of

annu

ity

unit

s yo

u ac

qui

re d

urin

g y

our

p

arti

cip

atio

n in

the

Pla

n.

P

rici

ng F

acto

rs:

The

co

st o

f ea

ch a

nnui

ty u

nit

dep

end

s o

n yo

ur a

ge

and

inte

rest

rat

es w

hen

you

buy

it. O

rdin

arily

the

clo

ser

you

are

to r

etir

emen

t th

e m

ore

it w

ill c

ost

yo

u to

buy

a u

nit.

S

ubje

ct t

o t

erm

s o

f yo

ur P

lan

and

ap

plic

able

Pla

n co

ntra

ctua

l arr

ang

emen

ts, b

enefi

t fo

rms

may

incl

ude

a si

ngle

life

ann

uity

, a li

fe

annu

ity

wit

h a

10, 1

5, o

r 20

-yea

r ce

rtai

n p

erio

d, a

cas

h re

fund

life

ann

uity

, a jo

int

and

sur

vivo

r lif

e an

nuit

y, a

n an

nuit

y w

ith

mo

nthl

y p

aym

ents

fo

r a

des

igna

ted

per

iod

, whi

ch m

ay b

e fr

om

five

to

30

yea

rs a

nd a

ny o

ther

pay

men

t o

pti

ons

mut

ually

ag

reed

by

your

an

nuit

y p

rovi

der

and

yo

ur P

lan.

The

pri

ce p

er s

hare

will

be

adju

sted

acc

ord

ing

ly b

ased

on

the

pay

men

t o

pti

ons

yo

u se

lect

. S

ubje

ct t

o t

erm

s o

f yo

ur P

lan

and

ap

plic

able

Pla

n co

ntra

ctua

l arr

ang

emen

ts, i

f yo

u d

ie b

efo

re in

com

e p

aym

ents

beg

in, a

dea

th

ben

efit

will

be

pro

vid

ed t

o y

our

ben

efici

ary.

The

dea

th b

enefi

t sh

all g

ener

ally

be

equa

l to

the

par

tici

pan

t’s

acco

unt

valu

e, r

educ

ed b

y an

y ap

plic

able

sta

te/m

unic

ipal

ity

pre

miu

m t

axes

, any

unp

aid

fee

s o

r ch

arg

es a

nd a

ny o

utst

and

ing

loan

ind

ebte

dne

ss. B

enefi

ciar

y co

vera

ge

may

als

o b

e av

aila

ble

dur

ing

the

ben

efit

pay

out

pha

se, s

ubje

ct t

o t

he a

nnui

ty b

enefi

t fo

rm s

elec

ted

by

you.

Res

tric

tio

ns a

nd F

ees:

S

ubje

ct t

o t

erm

s o

f yo

ur P

lan

and

ap

plic

able

Pla

n co

ntra

ctua

l arr

ang

emen

ts, t

he e

lect

ion

of

an a

nnui

ty p

ayo

ut o

pti

on

is t

ypic

ally

ir

revo

cab

le a

nd n

o s

urre

nder

s ar

e p

erm

itte

d o

nce

pay

men

ts c

om

men

ce, w

ith

the

exce

pti

on

of

any

annu

ity

feat

urin

g m

ont

hly

pay

men

ts f

or

a d

esig

nate

d p

erio

d. W

ith

resp

ect

to a

n an

nuit

y w

ith

mo

nthl

y p

aym

ents

fo

r a

des

igna

ted

per

iod

, sur

rend

ers

will

g

ener

ally

be

sub

ject

to

any

ap

plic

able

co

ntin

gen

t d

efer

red

sal

es c

harg

es (

typ

ical

ly a

per

cent

age

of

the

full

amo

unt

of

the

surr

end

er,

bas

ed o

n ce

rtai

n P

lan

cont

ract

cri

teri

a).

A P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e (“

Cha

rge”

, als

o r

efer

red

to

as

a m

ort

alit

y, e

xpen

se r

isk

and

/or

adm

inis

trat

ive

char

ge)

is

app

licab

le t

o t

he a

sset

s as

soci

ated

wit

h yo

ur a

cco

unt.

The

max

imum

Cha

rge

app

licab

le t

o y

our

acc

oun

t is

1.2

5% p

er y

ear.

Ho

wev

er,

your

exa

ct C

harg

e m

ay b

e lo

wer

. Up

on

adva

nce

noti

ce t

o y

our

Pla

n, t

his

Cha

rge

may

dec

reas

e o

r in

crea

se.

In a

dd

itio

n to

any

cha

rges

des

crib

ed a

bo

ve, a

ny a

mo

unts

wit

hdra

wn

fro

m y

our

acc

oun

t to

pur

chas

e an

ann

uity

pay

out

op

tio

n w

ill b

e su

bje

ct t

o a

ded

ucti

on

for

any

app

licab

le s

tate

/mun

icip

alit

y p

rem

ium

tax

es.

†

Thi

s o

pti

on

may

be

avai

lab

le t

o y

ou

if p

erm

itte

d u

nder

the

ter

ms

of

your

Pla

n. F

or

add

itio

nal i

nfo

rmat

ion

reg

ard

ing

any

ann

uity

pay

out

op

tio

ns t

hat

may

be

avai

lab

le t

o y

ou

und

er y

our

Pla

n, a

s w

ell a

s an

y as

soci

ated

fee

s an

d e

xpen

ses,

ple

ase

cont

act

your

Pla

n S

po

nso

r.

*Co

ntra

cts

issu

ed b

y H

artf

ord

Lif

e In

sura

nce

Co

mp

any.

Co

ntra

cts

are

adm

inis

tere

d b

y M

assa

chus

etts

Mut

ual L

ife

Insu

ranc

e C

om

pan

y.

AN

NU

ITY

OP

TIO

NS

The

tab

les

bel

ow

fo

cus

on

the

annu

ity

op

tio

ns u

nder

the

Pla

n.

Ann

uiti

es a

re in

sura

nce

cont

ract

s th

at a

llow

yo

u to

rec

eive

a g

uara

ntee

d s

trea

m o

f p

aym

ents

at

reg

ular

inte

rval

s, u

sual

ly b

egin

ning

whe

n yo

u re

tire

and

last

ing

yo

ur e

ntir

e lif

e. G

uara

ntee

s o

f an

insu

ranc

e co

mp

any

are

sub

ject

to

its

long

-ter

m fi

nanc

ial s

tren

gth

and

cla

ims-

pay

ing

ab

ility

. Fi

xed

Ann

uity

Pay

out

Op

tio

n In

form

atio

n T

he t

able

bel

ow

fo

cuse

s o

n th

e an

nuit

y o

pti

ons

und

er t

he P

lan.

Ann

uiti

es a

re in

sura

nce

cont

ract

s th

at a

llow

yo

u to

rec

eive

a g

uara

ntee

d s

trea

m o

f p

aym

ents

at

reg

ular

inte

rval

s, u

sual

ly b

egin

ning

whe

n yo

u re

tire

and

last

ing

yo

ur e

ntir

e lif

e. G

uara

ntee

s o

f an

insu

ranc

e co

mp

any

are

sub

ject

to

its

long

-ter

m fi

nanc

ial s

tren

gth

an

d c

laim

s-p

ayin

g a

bili

ty.

Inve

stm

ent

Op

tio

n P

erfo

rman

ce a

nd A

pp

licab

le F

ees

and

Cha

rges

Op

tio

n na

me:

Var

iab

le A

nnui

ty P

ayo

ut O

pti

on†

†

Ob

ject

ives

and

go

als:

T

o p

rovi

de

a so

urce

of

reti

rem

ent

inco

me

for

your

life

, wit

h p

aym

ent

amo

unts

tha

t m

ay v

ary

dep

end

ing

up

on

und

erly

ing

inve

stm

ent

per

form

ance

and

any

ap

plic

able

fee

s an

d e

xpen

ses,

bas

ed u

po

n th

e in

vest

men

t o

pti

ons

yo

u ha

ve s

elec

ted

fo

r yo

ur a

cco

unt,

sub

ject

to

the

inve

stm

ent

op

tio

ns a

vaila

ble

und

er y

our

Pla

n. F

or

info

rmat

ion

reg

ard

ing

und

erly

ing

inve

stm

ent

per

form

ance

, fee

s an

d

exp

ense

s, p

leas

e re

fer

to t

he in

form

atio

n p

rovi

ded

in t

he p

rece

din

g c

hart

tab

les.

Pri

cing

Fac

tors

: T

he c

ost

of

each

ann

uity

uni

t d

epen

ds

on

your

ag

e an

d in

tere

st r

ates

whe

n yo

u b

uy it

. Ord

inar

ily t

he c

lose

r yo

u ar

e to

ret

irem

ent

the

mo

re it

will

co

st y

ou

to b

uy a

uni

t.

Sub

ject

to

ter

ms

of

your

Pla

n an

d a

pp

licab

le P

lan

cont

ract

ual a

rran

gem

ents

, ben

efit

form

s m

ay in

clud

e a

sing

le li

fe a

nnui

ty, a

life

an

nuit

y w

ith

a 10

, 15,

or

20-y

ear

cert

ain

per

iod

, a c

ash

refu

nd li

fe a

nnui

ty, a

join

t an

d s

urvi

vor

life

annu

ity,

an

annu

ity

wit

h m

ont

hly

pay

men

ts f

or

a d

esig

nate

d p

erio

d, w

hich

may

be

fro

m fi

ve t

o 3

0 y

ears

and

any

oth

er p

aym

ent

op

tio

ns m

utua

lly a

gre

ed b

y yo

ur

annu

ity

pro

vid

er a

nd y

our

Pla

n. T

he p

rice

per

sha

re w

ill b

e ad

just

ed a

cco

rdin

gly

bas

ed o

n th

e p

aym

ent

op

tio

ns y

ou

sele

ct.

Sub

ject

to

ter

ms

of

your

Pla

n an

d a

pp

licab

le P

lan

cont

ract

ual a

rran

gem

ents

, if

you

die

bef

ore

inco

me

pay

men

ts b

egin

, a d

eath

b

enefi

t w

ill b

e p

rovi

ded

to

yo

ur b

enefi

ciar

y. T

he d

eath

ben

efit

shal

l gen

eral

ly b

e eq

ual t

o t

he p

arti

cip

ant’

s ac

coun

t va

lue,

red

uced

by

any

app

licab

le s

tate

/mun

icip

alit

y p

rem

ium

tax

es, a

ny u

npai

d f

ees

or

char

ges

and

any

out

stan

din

g lo

an in

deb

ted

ness

. Ben

efici

ary

cove

rag

e m

ay a

lso

be

avai

lab

le d

urin

g t

he b

enefi

t p

ayo

ut p

hase

, sub

ject

to

the

ann

uity

ben

efit

form

sel

ecte

d b

y yo

u.

Res

tric

tio

ns a

nd F

ees:

F

or

info

rmat

ion

reg

ard

ing

any

res

tric

tio

ns a

pp

licab

le t

o t

he in

vest

men

t o

pti

ons

yo

u ha

ve s

elec

ted

fo

r yo

ur a

cco

unt,

ple

ase

refe

r to

th

e in

form

atio

n p

rovi

ded

in t

he p

rece

din

g c

hart

tab

les.

S

ubje

ct t

o t

erm

s o

f yo

ur P

lan

and

ap

plic

able

Pla

n co

ntra

ctua

l arr

ang

emen

ts, t

he e

lect

ion

of

an a

nnui

ty p

ayo

ut o

pti

on

is t

ypic

ally

ir

revo

cab

le a

nd n

o s

urre

nder

s ar

e p

erm

itte

d o

nce

pay

men

ts c

om

men

ce, w

ith

the

exce

pti

on

of

any

annu

ity

feat

urin

g m

ont

hly

pay

men

ts f

or

a d

esig

nate

d p

erio

d. W

ith

resp

ect

to a

n an

nuit

y w

ith

mo

nthl

y p

aym

ents

fo

r a

des

igna

ted

per

iod

, sur

rend

ers

will

g

ener

ally

be

sub

ject

to

any

ap

plic

able

co

ntin

gen

t d

efer

red

sal

es c

harg

es (

typ

ical

ly a

per

cent

age

of

the

full

amo

unt

of

the

surr

end

er,

bas

ed o

n ce

rtai

n P

lan

cont

ract

cri

teri

a).

A P

rog

ram

and

Ad

min

istr

ativ

e C

harg

e (“

Cha

rge”

, als

o r

efer

red

to

as

a m

ort

alit

y, e

xpen

se r

isk

and

/or

adm

inis

trat

ive

char

ge)

is

app

licab

le t

o t

he a

sset

s as

soci

ated

wit

h yo

ur a

cco

unt.

The

max

imum

Cha

rge

app

licab

le t

o y

our

acc

oun

t is

1.2

5% p

er y

ear.

Ho

wev

er,

your

exa

ct C

harg

e m

ay b

e lo

wer

. Up

on

adva

nce

noti

ce t

o y

our

Pla

n, t

his

Cha

rge

may

dec

reas

e o

r in

crea

se.

In a

dd

itio

n to

any

cha

rges

des

crib

ed a

bo

ve, a

ny a

mo

unts

wit

hdra

wn

fro

m y

our

acc

oun

t to

pur

chas

e an

ann

uity

pay

out

op

tio

n w

ill b

e su

bje

ct t

o a

ded

ucti

on

for

any

app

licab

le s

tate

/mun

icip

alit

y p

rem

ium

tax

es.

††

Thi

s o

pti

on

may

be

avai

lab

le t

o y

ou

if p

erm

itte

d u

nder

the

ter

ms

of

your

Pla

n. F

or

add

itio

nal i

nfo

rmat

ion

reg

ard

ing

any

ann

uity

pay

out

op

tio

ns t

hat

may

be

avai

lab

le t

o y

ou

und

er y

our

Pla

n, a

s w

ell a

s an

y as

soci

ated

fee

s an

d e

xpen

ses,

ple

ase

cont

act

your

Pla

n S

po

nso

r.

Var

iab

le A

nnui

ty P

ayo

ut O

pti

on

Info

rmat

ion

The

tab

le b

elo

w f

ocu

ses

on

the

annu

ity

op

tio

ns u

nder

the

Pla

n. A

nnui

ties

are

insu

ranc

e co

ntra

cts

that

allo

w y

ou

to r

ecei

ve a

gua

rant

eed

str

eam

of

pay

men

ts a

t re

gul

ar in

terv

als,

usu

ally

beg

inni

ng w

hen

you

reti

re a

nd la

stin

g y

our

ent

ire

life.

Gua

rant

ees

of

an in

sura

nce

com

pan

y ar

e su

bje

ct t

o it

s lo

ng-t

erm

fina

ncia

l str

eng

th

and

cla

ims-

pay

ing

ab

ility

.

45

Inve

stm

ent

Op

tio

n P

erfo

rman

ce a

nd A

pp

licab

le F

ees

and

Cha

rges

At MassMutual, we recognize that our relationships with you are based on integrity and trust. As part of that trust relationship, we are committed to keeping your personal information private. We also want you to be aware of how we protect, collect, and disclose your personal information.

We protect your personal information by:• Maintaining physical, electronic and procedural safeguards to protect your personal information;

• Restricting access to your personal information to employees with a business need to know;

• Requiring that any MassMutual business partners with whom we share your personal information protect

it and use it exclusively for the purpose for which it was shared;

• Ensuring personal information is only shared with third parties as necessary for standard business

purposes or as authorized by you; and

• Ensuring medical and health information is only shared with third parties to perform business, profes-

sional or insurance functions on our behalf or as authorized by you.

We may collect personal information about you from:• Our interactions with you, including applications and other forms, interviews, communications and visits

to our web site;

• Your transactions with us or our affiliated companies; and

• Information we obtain from third parties such as consumer or other reporting agencies and medical or

health care providers.

We may share personal information about you with:• Agents, brokers and others who provide our products and services to you;

• Our affiliated companies, such as insurance or investment companies, insurance agencies

or broker-dealers;

• Nonaffiliated companies in order to perform standard business functions on our behalf including those

related to processing transactions you request or authorize, or maintaining your account or policy;

• Courts and government agencies in response to court orders or legal investigations;

• Credit bureau reports; and

• Other financial institutions with whom we may jointly market products, if permitted in your state.

Consistent with our commitments stated above, please know that if any sharing of your personal information

will require us to give you the option to opt-out of or opt-in to the information sharing, we will provide you with

this option.

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company

(MassMutual) and its affiliated companies and sales representatives. This notice is provided by the following

companies in the MassMutual Financial Group:

Massachusetts Mutual Life Insurance Company C.M. Life Insurance Company

MML Investors Services MML Bay State Life Insurance Company

For more information regarding MassMutual’s privacy and security practices, please visit www.MassMutual.com.

Please note: customers with multiple MassMutual products may receive more than one copy of this notice.

B4452b 1110

Privacy Notice



The information contained in this enrollment book is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any federal tax penalties. Neither MassMutual nor any of its employees or representatives are authorized to give legal or tax advice. You must rely on the advice of your own independent tax counsel.

MML Distributors, LLC Supervisory Office 100 Bright Meadow Blvd Enfield, CT 06082. Member FINRA and SIPC.

RS1964v 215

MassMutual is proud to print on Forest Stewardship Council-certified paper. FSC certification ensures that the paper we print on contains fiber from well-managed and responsibly harvested forests that meet strict environmental and socioeconomic standards.

RS2070_BKCVR 615 C:34180-00

© 2015 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.

Documents

Catholic Diocese of Columbus 403(b) Plan · and invest for retirement. It’s one way to thank you for your contribution to the organization’s success. This booklet walks you through