Pageflex Server [document: Print 8 0029745 00001] Real Estate Inv Opt ... 32 SSgA S&P 500 Index Inv Opt ... _Risk/Return Spectrum Stable Value/ Money Market

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American Century Small Cap Value Inv Opt ..............................................................1 American Century Strategic Allocation: Aggressive Inv Opt .....................................2 American Century Strategic Allocation: Moderate Inv Opt ........................................3 American Century Strategic Allocation:Conservative Inv Opt ....................................4 American Century Value Inv Opt ...............................................................................5 American Funds EuroPacific Growth Inv Opt ............................................................6 American Funds The Growth Fund of America Inv Opt .............................................7 Artisan Mid Cap Inv Opt ............................................................................................8 Baron Small Cap Inv Opt ..........................................................................................9 Calvert Mid-Cap Inv Opt ..........................................................................................10 Calvert Equity Inv Opt .............................................................................................11 Calvert Small Cap Inv Opt .......................................................................................12 Davis New York Venture Inv Opt .............................................................................13 Goldman Sachs Mid-Cap Value Inv Opt ..................................................................14 Hartford Balanced HLS Inv Opt ...............................................................................15 Hartford Capital Appreciation HLS Inv Opt .............................................................16 Hartford Dividend and Growth HLS Inv Opt ............................................................17 Hartford International Opportunities HLS Inv Opt ...................................................18 Hartford Total Return Bond HLS Inv Opt ................................................................19 Hotchkis and Wiley Large Cap Value Inv Opt ..........................................................20 Invesco Comstock Inv Opt ......................................................................................21 Invesco International Growth Inv Opt .....................................................................22 Invesco Real Estate Inv Opt ....................................................................................23 Lord Abbett Small Cap Value Inv Opt .....................................................................24 MFS Government Securities Inv Opt .......................................................................25 MFS International New Discovery Inv Opt ..............................................................26 MFS International Value Inv Opt .............................................................................27 MFS Utilities Inv Opt ...............................................................................................28 Oakmark Equity and Income Inv Opt ......................................................................29 Oppenheimer Main Street Mid Cap Inv Opt ............................................................30 PIMCO Real Return Inv Opt ....................................................................................31 Putnam High Yield Inv Opt .....................................................................................32 SSgA S&P 500 Index Inv Opt .................................................................................33 State Street S&P MidCap Index Non-Lend Series Inv Opt ......................................34 T. Rowe Price Growth Stock Inv Opt ......................................................................35 Templeton Growth Inv Opt ......................................................................................36

City of Detroit Table of Contents

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American Century Small Cap Value Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. Morningstar Category: identifies funds based on investment styles as measured by their underlying portfolio holdings/statistics over 3 years. Investment options can move into other categories, or Morningstar may change their classification methodology. RS-37175-00. © 2017 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. © 2017 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.

_Risk/Return Spectrum

Stable Value/Money Market Bonds Asset Allocation

BalancedLarge Cap Mid Cap Small Cap International/

Global Specialty

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

_Volatility Prof le i

The volatility profile is a measure of the level of risk of the underlying fund and is based on a ranking of the three year standard deviation of the fund’s performance. The ranking is compared against other funds within the same broad category group. The higher the volatility, the higher the variation in returns.

_Strategy

_Portfolio Statistics As of 12/31/2017

Inception Date: 7/31/1998 Net Assets ($ in millions): $1,596.90 Number of Bond Holdings: 1 Number of Stock Holdings: 109

Investment Advisor: American Century Investment Management, Inc

Portfolio Manager: Benjamin Z. Giele Steve Roth

This investment option is available to your plan through a group variable contract offered to fund retirement programs. Your plan invests in the separate account which invests directly in the mutual fund.

� ��

The investment seeks long-term capital growth; income is a secondary consideration. Under normal market conditions, the portfolio managers will invest at least 80% of the fund's net assets in small cap companies. The portfolio managers consider small cap companies to include those with market capitalizations no larger than that of the largest company in the S&P Small Cap 600® Index or the Russell 2000® Index.

Large

Mid

Small

Value Blend Growth

VRU Code: 483

Morningstar Category Small Value

Morningstar Style Box

As of 12/31/2017

Asset Allocation % Assets

Stock .........................................................92.73 Foreign Stock ..............................................3.94 Bond ...........................................................0.00 Foreign Bond ...............................................0.00 Preferred .....................................................0.67 Convertible ..................................................0.00 Cash ............................................................2.66 Other ...........................................................0.00 Total 100.00% Largest Holdings % Assets

Bank of the Ozarks Inc ................................2.54 BankUnited Inc ............................................2.46 Silgan Holdings Inc .....................................2.42 Graphic Packaging Holding Co ...................2.38 Valley National Bancorp ..............................2.24 F N B Corp ..................................................2.09 Compass Diversified Holdings ....................2.07 Teradata Corp ..............................................1.95 CSW Industrials Inc ....................................1.82 Validus Holdings Ltd ...................................1.77 Total 21.74% Diversification % Assets

Basic Materials ............................................6.72 Consumer Cyclical ....................................14.09 Financial Services .....................................30.53 Real Estate ..................................................8.36 Consumer Defensive ...................................5.20 Healthcare ...................................................1.95 Utilities ........................................................0.00 Communication Services ............................0.00 Energy .........................................................1.88 Industrials .................................................17.42 Technology ................................................13.84 Total 99.99%

Publication Date 1Q 2018

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American Century Strategic Allocation: Aggressive Investment Option



Stable Value/Money Market Bond Asset Allocation/


Global Specialty



_Strategy


Inception Date: 10/2/1996 Net Assets ($ in millions): $987.66 Number of Bond Holdings: 1094 Number of Stock Holdings: 1095


Portfolio Manager: Jeffrey R. Tyler Irina Torelli


� ��

The investment seeks the highest level of total return consistent with its asset mix. The fund's asset allocation strategy diversifies investments among equity securities, bonds and money market instruments. It usually invests 79% of its assets in stocks, 20% of its assets in bonds, and 1% of its assets in cash equivalents. The fund also invests in a variety of debt securities payable in U.S. and foreign currencies. It may invest in any type of U.S. or foreign equity security that meets certain fundamental and technical standards. The fund may invest up to 10% of its assets in below investment-grade securities.

VRU Code: 476

Morningstar Category Allocation--70% to 85% Equity

As of 12/31/2017


Stock .........................................................52.24 Foreign Stock ............................................24.49 Bond .........................................................16.62 Foreign Bond ...............................................1.68 Preferred .....................................................0.01 Convertible ..................................................0.00 Cash ............................................................2.05 Other ...........................................................2.91 Total 100.00% Largest Holdings % Assets

Alphabet Inc A .............................................1.55 Apple Inc .....................................................1.13 Amazon.com Inc .........................................1.12 Facebook Inc A ...........................................1.08 Microsoft Corp ............................................0.87 Boeing Co ...................................................0.58 Pfizer Inc .....................................................0.53 Tencent Holdings Ltd ..................................0.52 Bank of America Corporation ......................0.50 JPMorgan Chase & Co ................................0.48 Total 8.36% Diversification % Assets

Basic Materials ............................................4.30 Consumer Cyclical ....................................13.52 Financial Services .....................................15.35 Real Estate ..................................................5.11 Consumer Defensive ...................................9.12 Healthcare .................................................11.84 Utilities ........................................................1.39 Communication Services ............................1.86 Energy .........................................................5.15 Industrials .................................................12.12 Technology ................................................20.24 Total 100.00%


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American Century Strategic Allocation: Moderate Investment Option





Global Specialty



_Strategy






� ��

The investment seeks the highest level of total return consistent with its asset mix. The fund's asset allocation strategy diversifies investments among equity securities, bonds and money market instruments. It usually invests 64% of its assets in stocks, 32% of its assets in bonds, and 4% of its assets in cash equivalents. The fund also invests in a variety of debt securities payable in U.S. and foreign currencies. It may invest in any type of U.S. or foreign equity security that meets certain fundamental and technical standards. The fund may invest up to 10% of its assets in below investment-grade securities.

VRU Code: 475


As of 12/31/2017



Alphabet Inc A .............................................1.24 Fed Natl Mort Assc 3.5% ............................0.95 Apple Inc .....................................................0.93 Amazon.com Inc .........................................0.92 Slyo05si5 Irs Brl P F 7.28500 .....................0.89 Slyo05si5 Irs Brl R V 00mbrcdi ..................0.88 Facebook Inc A ...........................................0.88 Microsoft Corp ............................................0.79 US Treasury Note ........................................0.71 Sp9u13et5 Cds Usd R F 5.00000 ................0.62 Total 8.81% Diversification % Assets



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American Century Strategic Allocation:Conservative Investment Option





Global Specialty



_Strategy






� ��

The investment seeks the highest level of total return consistent with its asset mix. The fund's asset allocation strategy diversifies investments among equity securities, bonds and money market instruments. It usually invests 45% of its assets in equities, 49% of its assets in bonds, and 6% of its assets in cash equivalents. The fund also invests in a variety of debt securities payable in U.S. and foreign currencies. It may invest in any type of U.S. or foreign equity security that meets certain fundamental and technical standards. The fund may invest up to 10% of its assets in below investment-grade securities.

VRU Code: 474


As of 12/31/2017



US Treasury Note ........................................1.83 Slyo05si5 Irs Brl P F 7.28500 .....................1.53 Slyo05si5 Irs Brl R V 00mbrcdi ..................1.52 US Treasury Note ........................................1.41 Sp9u13et5 Cds Usd R F 5.00000 ................1.14 Sl1g13pp9 Irs Brl P F 7.51000 ...................1.05 Sp9u13et5 Cds Usd P V 00mevent .............1.05 Sl1g13pp9 Irs Brl R V 00mbrcdi .................1.05 Sl7z00us6 Irs Brl P F 9.60000 ....................0.98 Sl7z00us6 Irs Brl R V 00mbrcdi .................0.95 Total 12.51% Diversification % Assets



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American Century Value Investment Option





Global Specialty



_Strategy




Portfolio Manager: Phillip Davidson Scott A. Moore


� ��

The investment seeks long-term capital growth; income is a secondary objective. In selecting stocks for the fund, the portfolio managers look for companies of all sizes whose stock price may not reflect the company's value. The managers attempt to purchase the stocks of these undervalued companies and hold each stock until the price has increased to, or is higher than, a level the managers believe more accurately reflects the fair value of the company. The fund may invest a portion of its assets in foreign securities when these securities meet the portfolio managers' standards of selection.

Large

Mid

Small

Value Blend Growth

VRU Code: 57

Morningstar Category Large Value


As of 12/31/2017



JPMorgan Chase & Co ................................3.33 Procter & Gamble Co ..................................3.05 Wells Fargo & Co ........................................2.97 Pfizer Inc .....................................................2.96 General Electric Co ......................................2.83 AT&T Inc .....................................................2.66 Bank of America Corporation ......................2.44 Johnson & Johnson ....................................2.31 Merck & Co Inc ...........................................2.26 Chevron Corp ..............................................2.09 Total 26.90% Diversification % Assets

Basic Materials ............................................1.06 Consumer Cyclical ......................................4.30 Financial Services .....................................24.80 Real Estate ..................................................0.00 Consumer Defensive .................................10.31 Healthcare .................................................17.93 Utilities ........................................................1.04 Communication Services ............................3.63 Energy .......................................................19.12 Industrials ...................................................7.31 Technology ................................................10.50 Total 100.00%


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American Funds EuroPacific Growth Investment Option





Global Specialty

Investments made outside the United States involve special risks, such as currency fluctuations, political instability, differing securities regulations and periods of illiquidity.



_Strategy



Investment Advisor: Capital Research and Management Company

Portfolio Manager: Team Managed


� ��

The investment seeks long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation. It normally will invest at least 80% of its net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in emerging markets.

VRU Code: 143

Morningstar Category Foreign Large Growth

As of 12/31/2017


Stock ...........................................................1.74 Foreign Stock ............................................90.44 Bond ...........................................................0.54 Foreign Bond ...............................................0.09 Preferred .....................................................0.17 Convertible ..................................................0.00 Cash ............................................................7.03 Other ...........................................................0.00 Total 100.01% Largest Holdings % Assets

Samsung Electronics Co Ltd .......................3.25 AIA Group Ltd .............................................2.62 British American Tobacco PLC ....................2.54 Taiwan Semiconductor Manufacturing Co Ltd 2.04 Alibaba Group Holding Ltd ADR .................2.03 Reliance Industries Ltd ...............................2.02 Airbus SE ....................................................2.00 HDFC Bank Ltd ............................................1.96 Tencent Holdings Ltd ..................................1.87 SoftBank Group Corp ..................................1.80 Total 22.13% Diversification % Assets

Japan ........................................................13.06 United Kingdom ........................................12.58 India ............................................................8.29 China ...........................................................6.87 South Korea ................................................6.36 Hong Kong ..................................................5.24 France .........................................................4.91 Netherlands .................................................4.30 Germany .....................................................3.56 Canada ........................................................3.54 Total 68.71%


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American Funds The Growth Fund of America Investment Option





Global Specialty

Investments made outside the United States involve special risks, such as currency fluctuations, political instability, differing securities regulations and periods of illiquidity.



_Strategy



Investment Advisor: Capital Research and Management Company



� ��

The investment seeks growth of capital. The fund invests primarily in common stocks and seeks to invest in companies that appear to offer superior opportunities for growth of capital. It may invest up to 25% of its assets in securities of issuers domiciled outside the United States. The investment adviser uses a system of multiple portfolio managers in managing the fund's assets. Under this approach, the portfolio of the fund is divided into segments managed by individual managers who decide how their respective segments will be invested.

Large

Mid

Small

Value Blend Growth

VRU Code: 100

Morningstar Category Large Growth


As of 12/31/2017


Stock .........................................................75.30 Foreign Stock ............................................15.01 Bond ...........................................................1.84 Foreign Bond ...............................................0.03 Preferred .....................................................0.50 Convertible ..................................................0.00 Cash ............................................................7.29 Other ...........................................................0.02 Total 99.99% Largest Holdings % Assets

Amazon.com Inc .........................................6.78 Microsoft Corp ............................................2.83 UnitedHealth Group Inc ...............................2.69 Broadcom Ltd .............................................2.61 Netflix Inc ....................................................2.52 Alphabet Inc C .............................................2.51 The Home Depot Inc ...................................2.00 Facebook Inc A ...........................................1.80 Alphabet Inc A .............................................1.67 EOG Resources Inc .....................................1.57 Total 26.98% Diversification % Assets

Basic Materials ............................................2.73 Consumer Cyclical ....................................21.18 Financial Services .....................................12.60 Real Estate ..................................................0.31 Consumer Defensive ...................................4.39 Healthcare .................................................13.96 Utilities ........................................................0.00 Communication Services ............................2.98 Energy .........................................................7.93 Industrials ...................................................7.33 Technology ................................................26.59 Total 100.00%


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Artisan Mid Cap Investment Option





Global Specialty

Mid-cap investing generally have higher risk and return characteristics than large-company stocks.



_Strategy


Inception Date: 6/27/1997 Net Assets ($ in millions): $6,545.00 Number of Stock Holdings: 62

Investment Advisor: Artisan Partners Limited Partnership

Portfolio Manager: Andrew C. Stephens James Hamel


� ��

The investment seeks maximum long-term capital growth. The fund normally invests no less than 80% of its net assets plus any borrowings for investment purposes at market value at the time of purchase in the common stocks of medium-sized companies. It defines a medium-sized company as one with a market capitalization greater than the market capitalization of the smallest company in the Russell Midcap® Index and less than three times the weighted average market capitalization of companies in the index.

Large

Mid

Small

Value Blend Growth

VRU Code: 478

Morningstar Category Mid-Cap Growth


As of 12/31/2017



LKQ Corp ....................................................4.78 Global Payments Inc ...................................4.56 IHS Markit Ltd A .........................................3.66 Progressive Corp ........................................3.51 S&P Global Inc ...........................................3.42 Cigna Corp ..................................................2.93 Boston Scientific Corp ................................2.64 Concho Resources Inc ................................2.48 Becton, Dickinson and Co ...........................2.25 Atlassian Corporation PLC A .......................2.22 Total 32.45% Diversification % Assets



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Baron Small Cap Investment Option





Global Specialty

Small-cap stocks tend to be more volatile, less liquid, and generally have higher risk and return characteristics than large-company stocks.



_Strategy



Investment Advisor: BAMCO Inc Portfolio Manager: Clifford Greenberg


� ��

The investment seeks capital appreciation through investments primarily in securities of small-sized growth companies. The fund invests 80% of its net assets in equity securities in the form of common stock of U.S. small-sized growth companies. BAMCO, Inc. ("BAMCO" or the "Adviser") defines small-sized companies as those, at the time of purchase, with market capitalizations up to the largest market cap stock in the Russell 2000 Growth Index at reconstitution, or companies with market capitalizations up to $2.5 billion, whichever is larger.

Large

Mid

Small

Value Blend Growth

VRU Code: 479

Morningstar Category Small Growth


As of 12/31/2017



Gartner Inc A ...............................................4.01 Waste Connections Inc ...............................3.30 TransDigm Group Inc ..................................3.04 Guidewire Software Inc ...............................3.02 Bright Horizons Family Solutions Inc ..........2.95 On Assignment Inc .....................................2.77 GTT Communications Inc ...........................2.73 IDEXX Laboratories Inc ...............................2.73 Cognex Corp ...............................................2.70 SBA Communications Corp .........................2.57 Total 29.82% Diversification % Assets

Basic Materials ............................................6.78 Consumer Cyclical ....................................17.35 Financial Services .......................................2.37 Real Estate ..................................................1.73 Consumer Defensive ...................................0.29 Healthcare .................................................11.50 Utilities ........................................................0.00 Communication Services ............................6.24 Energy .........................................................1.60 Industrials .................................................20.63 Technology ................................................31.52 Total 100.01%


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Calvert Mid-Cap Investment Option





Global Specialty




_Strategy



Investment Advisor: Calvert Research and Management

Portfolio Manager: Michelle Clayman Nathaniel Paull


� ��

The investment seeks to provide long-term capital appreciation by investing primarily in mid-cap stocks. The fund normally invests at least 80% of its net assets, including borrowings for investment purposes, in common stocks of mid-capitalization companies. It defines mid-cap companies as those whose market capitalization falls within the range of the Russell Midcap Index at the time of investment. Although primarily investing in mid-cap U.S. companies, the fund may also invest in small-cap companies. It may invest in publicly-traded real estate investment trusts. The fund may also invest up to 25% of its net assets in foreign securities.

Large

Mid

Small

Value Blend Growth

VRU Code: 1104

Morningstar Category Mid-Cap Blend


As of 11/30/2017



Extra Space Storage Inc ..............................2.03 National Retail Properties Inc .....................1.89 Aptiv PLC ....................................................1.86 Equity Residential .......................................1.81 Fortive Corp ................................................1.74 Multi-Color Corp .........................................1.72 Intuit Inc .....................................................1.69 First American Financial Corp .....................1.68 Lululemon Athletica Inc ..............................1.67 CMS Energy Corp .......................................1.67 Total 17.76% Diversification % Assets



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Calvert Equity Investment Option





Global Specialty

This fund may own less than 60 securities, so the fund's risk is increased because each investment has a greater impact on the fund's performance.



_Strategy




Investment Sub Advisor: Atlanta Capital Management Company,LLC

Portfolio Manager: Richard B. England Marilyn Irvin


� ��

The investment seeks growth of capital through investment in stocks believed to offer opportunities for potential capital appreciation. The fund normally invests at least 80% of its net assets, including borrowings for investment purposes, in equity securities (common stock). The fund will provide shareholders with at least 60 days' notice before changing this 80% policy. The fund invests primarily in common stocks of U.S. large-cap companies. The managers define large-cap companies as those whose market capitalization falls within the range of the Russell 1000 Index at the time of investment.

Large

Mid

Small

Value Blend Growth

VRU Code: 272



As of 11/30/2017



Danaher Corp ..............................................4.73 Visa Inc Class A ..........................................4.69 Alphabet Inc C .............................................4.65 Thermo Fisher Scientific Inc .......................4.43 Microsoft Corp ............................................4.28 Mastercard Inc A .........................................3.75 Dollar General Corp .....................................3.35 Zoetis Inc ....................................................3.33 Ecolab Inc ...................................................3.21 Praxair Inc ...................................................3.08 Total 39.50% Diversification % Assets

Basic Materials ............................................6.68 Consumer Cyclical ......................................9.69 Financial Services .....................................14.92 Real Estate ..................................................0.00 Consumer Defensive .................................11.25 Healthcare .................................................20.59 Utilities ........................................................0.00 Communication Services ............................1.74 Energy .........................................................0.00 Industrials .................................................10.71 Technology ................................................24.42 Total 100.00%


- 11 -

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Calvert Small Cap Investment Option





Global Specialty

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



_Strategy




Portfolio Manager: Eric T. McKissack Wendell E. Mackey


� ��

The investment seeks long-term capital appreciation through investment primarily in small-cap common stocks of U.S. companies. The fund normally invests at least 80% of its net assets, including borrowings for investment purposes, in common stocks of small companies. It may also invest up to 25% of its net assets in foreign securities and in publicly-traded real estate investment trusts. In selecting investments for the fund, CRM is guided by The Calvert Principles for Responsible Investment, which provide a framework for considering environmental, social and governance factors that may affect investment performance.

Large

Mid

Small

Value Blend Growth

VRU Code: 858

Morningstar Category Small Blend


As of 11/30/2017



First American Financial Corp .....................2.86 Dolby Laboratories Inc ................................2.85 Hexcel Corp .................................................2.85 RealPage Inc ...............................................2.65 Euronet Worldwide Inc ................................2.55 ACI Worldwide Inc ......................................2.54 ICU Medical Inc ...........................................2.42 Landstar System Inc ...................................2.23 Performance Food Group Co ......................2.20 DCT Industrial Trust Inc ..............................2.20 Total 25.35% Diversification % Assets

Basic Materials ............................................6.04 Consumer Cyclical ......................................7.64 Financial Services .....................................19.72 Real Estate ..................................................7.33 Consumer Defensive ...................................8.88 Healthcare ...................................................8.69 Utilities ........................................................1.36 Communication Services ............................0.00 Energy .........................................................0.49 Industrials .................................................22.29 Technology ................................................17.57 Total 100.01%


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Davis New York Venture Investment Option





Global Specialty

The primary risks of an investment in Davis New York Venture Fund are: market risk, company risk, headline risk, and selection risk. The prospectus, available upon request, contains a complete description of each of these risks. The Fund’s shares are not deposits or obligations of any bank, are not guaranteed by any bank, are not insured by the FDIC or any other agency and involve investment risks, including possible loss of the principal amount invested.



_Strategy



Investment Advisor: Davis Selected Advisers LP Investment Sub Advisor: Davis Selected Advisers (New

York) Inc Portfolio Manager: Christopher Davis

Kenneth Feinberg


� ��

The investment seeks long-term growth of capital. Davis Selected Advisers, L.P. ("Davis Advisors" or the "Adviser"), the fund's investment adviser, uses the Davis Investment Discipline to invest Davis New York Venture Fund's portfolio principally in common stocks (including indirect holdings of common stock through depositary receipts) issued by large companies with market capitalizations of at least $10 billion. Historically, the fund has invested a significant portion of its assets in financial services companies and in foreign companies, and may also invest in mid- and small- capitalization companies.

Large

Mid

Small

Value Blend Growth

VRU Code: 275

Morningstar Category Large Blend


As of 10/31/2017



Amazon.com Inc .........................................6.92 Berkshire Hathaway Inc A ...........................6.05 Wells Fargo & Co ........................................5.88 JPMorgan Chase & Co ................................5.57 Alphabet Inc C .............................................4.88 Bank of New York Mellon Corp ...................4.02 Capital One Financial Corp ..........................3.89 American Express Co ..................................3.85 United Technologies Corp ...........................3.60 Apache Corp ...............................................3.38 Total 48.04% Diversification % Assets

Basic Materials ............................................7.46 Consumer Cyclical ....................................14.16 Financial Services .....................................33.87 Real Estate ..................................................0.00 Consumer Defensive ...................................0.78 Healthcare ...................................................3.64 Utilities ........................................................0.00 Communication Services ............................1.52 Energy .......................................................10.16 Industrials .................................................11.63 Technology ................................................16.78 Total 100.00%


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Goldman Sachs Mid-Cap Value Investment Option





Global Specialty

The Fund is subject to the risk of rising and falling stock prices. In recent years, the U.S. stock market has experienced substantial price volatility. The Fund’s foreign investments may be more volatile than an investment in U.S. securities and are subject to the risks of currency fluctuations and political developments.



_Strategy



Investment Advisor: Goldman Sachs Asset Management, LP



� ��

The investment seeks long-term capital appreciation. The fund invests, under normal circumstances, at least 80% of its net assets plus any borrowings for investment purposes in a diversified portfolio of equity investments in mid-cap issuers with public stock market capitalizations within the range of the market capitalization of companies constituting the Russell Midcap® Value Index at the time of investment. Although it will invest primarily in publicly traded U.S. securities, the fund may invest in foreign securities, including securities of issuers in countries with emerging markets or economies and securities quoted in foreign currencies.

Large

Mid

Small

Value Blend Growth

VRU Code: 287

Morningstar Category Mid-Cap Value


As of 12/31/2017



Citizens Financial Group Inc ........................2.03 Zimmer Biomet Holdings Inc ......................1.99 Stanley Black & Decker Inc .........................1.91 Comerica Inc ...............................................1.90 SunTrust Banks Inc .....................................1.89 Prologis Inc .................................................1.83 Marvell Technology Group Ltd ....................1.80 Expedia Inc .................................................1.70 First Horizon National Corp .........................1.64 Steel Dynamics Inc .....................................1.50 Total 18.19% Diversification % Assets

Basic Materials ............................................4.95 Consumer Cyclical ....................................11.60 Financial Services .....................................19.25 Real Estate ................................................12.18 Consumer Defensive ...................................6.61 Healthcare ...................................................6.22 Utilities ........................................................6.92 Communication Services ............................2.02 Energy .........................................................9.27 Industrials .................................................14.20 Technology ..................................................6.77 Total 99.99%


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Hartford Balanced HLS Investment Option





Global Specialty

Up to 20% of the Fund may be invested in foreign issuers and non-dollar securities. 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.



_Strategy



Investment Advisor: Hartford Funds Management Company, LLC

Investment Sub Advisor: Wellington Management Company LLP

Portfolio Manager: John Keogh Karen Grimes


� ��

The investment seeks long-term total return. The fund normally invests in a portfolio of between 50% and 70% equity securities, with the balance of its assets invested in debt securities and cash instruments. It will not normally hold more than 10% in cash or cash equivalents. The fund may invest in stocks with a broad range of market capitalizations, but tends to focus on large capitalization companies with market capitalizations similar to those of companies in the S&P 500 Index. It is not restricted to any specific maturity or duration term. The fund may invest up to 20% of its net assets in securities of foreign issuers and non-dollar securities.

VRU Code: 19


As of 12/31/2017


Stock .........................................................63.35 Foreign Stock ..............................................4.01 Bond .........................................................25.10 Foreign Bond ...............................................6.64 Preferred .....................................................0.00 Convertible ..................................................0.00 Cash ............................................................0.34 Other ...........................................................0.56 Total 100.00% Largest Holdings % Assets

Alphabet Inc C .............................................3.03 Microsoft Corp ............................................2.53 Apple Inc .....................................................1.99 Wells Fargo & Co ........................................1.81 JPMorgan Chase & Co ................................1.76 US Treasury Note 1.5% ..............................1.68 Facebook Inc A ...........................................1.60 NextEra Energy Inc .....................................1.60 Cisco Systems Inc ......................................1.55 Bank of America Corporation ......................1.52 Total 19.07% Diversification % Assets

Basic Materials ............................................2.05 Consumer Cyclical ....................................13.20 Financial Services .....................................17.50 Real Estate ..................................................1.18 Consumer Defensive ...................................5.51 Healthcare .................................................14.36 Utilities ........................................................2.38 Communication Services ............................1.84 Energy .........................................................6.47 Industrials ...................................................9.91 Technology ................................................25.60 Total 100.00%


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Hartford Capital Appreciation HLS Investment Option





Global Specialty




_Strategy







� ��

The investment seeks growth of capital. The fund normally invests at least 65% of its net assets in common stocks of small, medium and large companies. It may also invest up to 35% of its net assets in equity securities of foreign issuers and non-dollar securities. The fund may trade securities actively.

Large

Mid

Small

Value Blend Growth

VRU Code: 12



As of 12/31/2017



Bristol-Myers Squibb Company ..................1.82 Facebook Inc A ...........................................1.73 Citigroup Inc ...............................................1.68 PNC Financial Services Group Inc ...............1.54 Alphabet Inc C .............................................1.52 Nike Inc B ...................................................1.34 Chubb Ltd ...................................................1.31 American Express Co ..................................1.07 McKesson Corp ...........................................1.00 Microsoft Corp ............................................0.99 Total 14.00% Diversification % Assets



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Hartford Dividend and Growth HLS Investment Option





Global Specialty




_Strategy





Portfolio Manager: Donald Kilbride Matthew Baker


� ��

The investment seeks a high level of current income consistent with growth of capital. The fund invests primarily in a portfolio of equity securities. Its portfolio is broadly diversified by company and industry. Under normal market and economic conditions, at least 80% of the fund's net assets are invested in dividend paying equity securities. The advisor tends to focus on securities of larger, well-established companies with market capitalizations similar to those of companies in the S&P 500 Index. The fund may invest up to 20% of its net assets in securities of foreign issuers and non-dollar securities.

Large

Mid

Small

Value Blend Growth

VRU Code: 29



As of 12/31/2017



Microsoft Corp ............................................3.91 Bank of America Corporation ......................3.40 JPMorgan Chase & Co ................................3.32 Intel Corp ....................................................2.79 Alphabet Inc A .............................................2.73 Chevron Corp ..............................................2.55 PNC Financial Services Group Inc ...............2.26 Comcast Corp Class A ................................2.25 Prudential Financial Inc ...............................2.20 Apple Inc .....................................................2.09 Total 27.50% Diversification % Assets

Basic Materials ............................................1.63 Consumer Cyclical ......................................6.10 Financial Services .....................................23.86 Real Estate ..................................................0.61 Consumer Defensive ...................................4.59 Healthcare .................................................14.88 Utilities ........................................................4.82 Communication Services ............................6.13 Energy .........................................................9.10 Industrials ...................................................9.18 Technology ................................................19.09 Total 99.99%


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Hartford International Opportunities HLS Investment Option





Global Specialty

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.



_Strategy





Portfolio Manager: Tara Stilwell Nicolas Choumenkovitch


� ��

The investment seeks long-term growth of capital. The fund normally invests at least 65% of its net assets in stocks issued by non-U.S. companies that trade in foreign markets that are generally considered to be well established. It diversifies its investments among a number of different countries throughout the world, with no limit on the amount of assets that may be invested in each country. The fund may invest up to the greater of 25% or the weight of emerging markets in the MSCI All Country World ex USA Index ("MSCI AC World ex USA Index") plus 10% of its net assets in companies domiciled in emerging markets.

VRU Code: 13

Morningstar Category Foreign Large Blend

As of 12/31/2017



Nestle SA ....................................................2.78 UBS Group AG ............................................2.67 Taiwan Semiconductor Manufacturing Co Ltd 2.51 Novartis AG .................................................2.47 Samsung Electronics Co Ltd .......................2.26 British American Tobacco PLC ....................2.21 Canadian National Railway Co .....................2.12 Tokio Marine Holdings Inc ..........................2.08 Tencent Holdings Ltd ..................................2.06 Alibaba Group Holding Ltd ADR .................2.03 Total 23.19% Diversification % Assets

Japan ........................................................17.00 China .........................................................12.10 France .......................................................10.29 Switzerland .................................................9.32 United Kingdom ..........................................8.34 Canada ........................................................6.88 Germany .....................................................4.61 Netherlands .................................................4.45 Taiwan .........................................................3.41 India ............................................................3.11 Total 79.51%


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Hartford Total Return Bond HLS Investment Option





Global Specialty

Securities rated 'BB' and below are commonly 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. Up to 30% of the Fund may be invested in securities of non-U.S companies. 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.



_Strategy


Inception Date: 8/31/1977 Net Assets ($ in millions): $2,381.03 Number of Bond Holdings: 1435



Portfolio Manager: Campe Goodman Lucius Hill, III


� ��

The investment seeks a competitive total return; income is a secondary objective. The fund invests at least 80% of its net assets in bonds that the sub-adviser considers to be attractive from a total return perspective along with current income. It normally invests at least 70% of its portfolio in investment grade debt securities and may invest up to 20% of its net assets in securities rated below investment grade. Additionally, the fund may invest up to 40% of its net assets in debt securities of foreign issuers, including from emerging markets, and up to 20% of its net assets in non-dollar securities.

VRU Code: 18

Morningstar Category Intermediate-Term Bond

As of 12/31/2017


Stock ...........................................................0.00 Foreign Stock ..............................................0.00 Bond .........................................................81.20 Foreign Bond .............................................13.91 Preferred .....................................................0.08 Convertible ..................................................0.94 Cash ............................................................3.23 Other ...........................................................0.65 Total 100.01% Largest Holdings % Assets

Us 5yr Note (Cbt) Mar18 Xcbt 20180329 .14.04 US ULTRA BOND CBT MAR18 XCBT 20180320 4.79 Us 2yr Note (Cbt) Mar18 Xcbt 20180329 ...4.17 Fed Natl Mort Assc 3.5% ............................2.92 US Treasury Note ........................................1.94 GNMA 3% ...................................................1.93 FHLMC 3% ..................................................1.80 LONG GILT FUTURE MAR18 IFLL 20180327 1.76 Fannie Mae Single Family TBA 2.5% ..........1.74 Freddie Mac Gold Single Family TBA 3% ....1.50 Total 36.59%


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Hotchkis and Wiley Large Cap Value Investment Option





Global Specialty



_Strategy


Inception Date: 10/26/2001 Net Assets ($ in millions): $410.59 Number of Stock Holdings: 54

Investment Advisor: Hotchkis & Wiley Capital Management LLC



� ��

The investment seeks current income and long-term growth of income, as well as capital appreciation. The fund normally invests at least 80% of its net assets plus borrowings for investment purposes in equity securities of large capitalization companies. The adviser currently considers large cap companies to be those with market capitalizations like those found in the Russell 1000® Index.

Large

Mid

Small

Value Blend Growth

VRU Code: 490



As of 12/31/2017



Hewlett Packard Enterprise Co ....................4.92 American International Group Inc ...............4.89 Microsoft Corp ............................................3.88 Citigroup Inc ...............................................3.78 Wells Fargo & Co ........................................3.64 Oracle Corp .................................................3.45 Marathon Oil Corp .......................................3.19 LM Ericsson Telephone Co ADR Class B ....3.06 Capital One Financial Corp ..........................2.94 Bank of America Corporation ......................2.84 Total 36.59% Diversification % Assets

Basic Materials ............................................0.00 Consumer Cyclical ....................................11.68 Financial Services .....................................28.47 Real Estate ..................................................0.00 Consumer Defensive ...................................3.10 Healthcare ...................................................6.26 Utilities ........................................................0.81 Communication Services ............................4.18 Energy .......................................................14.46 Industrials .................................................11.45 Technology ................................................19.59 Total 100.00%


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Invesco Comstock Investment Option





Global Specialty

Small- and mid-cap stocks: Stocks of small- and medium-sized companies entail special risks, such as limited product lines, markets, and financial resources, and greater market volatility than securities of larger, more-established companies. Foreign markets: The fund may invest in foreign markets; should it do so, the portfolio may be subject to additional currency, political, and economic risks. Derivate instruments: Investments in derivatives could magnify volatility.



_Strategy



Investment Advisor: Invesco Advisers, Inc. Portfolio Manager: B. Robert Baker, Jr.

Jason Leder


� ��

The investment seeks total return through growth of capital and current income. The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in common stocks, and in derivatives and other instruments that have economic characteristics similar to such securities. It may invest in securities of issuers of any market capitalization; however, a substantial number of the issuers in which the fund invests are large-capitalization issuers. The fund may invest up to 10% of its net assets in real estate investment trusts (REITs).

Large

Mid

Small

Value Blend Growth

VRU Code: 163



As of 12/31/2017



Citigroup Inc ...............................................5.76 Bank of America Corporation ......................4.75 JPMorgan Chase & Co ................................3.62 Cisco Systems Inc ......................................2.80 Royal Dutch Shell PLC ADR Class A ...........2.27 Suncor Energy Inc ......................................2.25 PNC Financial Services Group Inc ...............2.15 Morgan Stanley ...........................................2.04 Chevron Corp ..............................................1.96 Pfizer Inc .....................................................1.89 Total 29.49% Diversification % Assets

Basic Materials ............................................1.47 Consumer Cyclical ......................................7.95 Financial Services .....................................36.24 Real Estate ..................................................0.00 Consumer Defensive ...................................2.93 Healthcare .................................................13.83 Utilities ........................................................0.59 Communication Services ............................1.89 Energy .......................................................17.27 Industrials ...................................................8.47 Technology ..................................................9.36 Total 100.00%


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Invesco International Growth Investment Option





Global Specialty

International investing presents certain risks not associated with investing solely in the United States. These include, for instance, risks relating to fluctuations in the value of the U.S. dollar relative to the value of other currencies, custody arrangements made for the fund’s foreign holdings, political risks, differences in accounting procedures and the lesser degree of public information required to be provided by non-U.S. companies.



_Strategy



Investment Advisor: Invesco Advisers, Inc. Portfolio Manager: Team Managed


� ��

The investment seeks long-term growth of capital. The fund invests primarily in equity securities and depositary receipts of foreign issuers. It will provide exposure to investments that are economically tied to at least three different countries outside of the U.S. The fund may also invest up to 1.25 times the amount of the exposure to emerging markets countries in the MSCI All Country World ex-U.S. Growth Index. The fund invests primarily in the securities of large-capitalization issuers; however, the fund may invest a significant amount of its net assets in the securities of mid-capitalization issuers.

VRU Code: 192

Morningstar Category Foreign Large Growth

As of 12/31/2017



Deutsche Boerse AG ...................................3.01 SAP SE ........................................................2.91 RELX PLC ...................................................2.75 CGI Group Inc A ..........................................2.72 Broadcom Ltd .............................................2.54 British American Tobacco PLC ....................2.41 Schneider Electric SE ..................................2.30 NAVER Corp ................................................2.25 Amcor Ltd ...................................................2.24 CK Hutchison Holdings Ltd .........................2.16 Total 25.29% Diversification % Assets

United Kingdom ........................................14.81 Germany ...................................................10.52 Canada ........................................................8.65 Brazil ...........................................................6.18 France .........................................................6.18 Switzerland .................................................5.37 China ...........................................................4.83 Australia ......................................................4.75 Japan ..........................................................4.55 Netherlands .................................................4.29 Total 70.13%


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Invesco Real Estate Investment Option





Global Specialty

Investing in a single-sector mutual fund involves greater risk and potential reward than investing in a more diversified fund. The fund invests substantial assets in real estate investment trusts (REITS) that involve risks not associated with investing in stocks. The fund can invest up to 25% of its assets in foreign securities that involve risks not associated with investing solely in the United States.



_Strategy



Investment Advisor: Invesco Advisers, Inc. Investment Sub Advisor: Invesco Asset Management

Ltd Portfolio Manager: Team Managed


� ��

The investment seeks total return through growth of capital and current income. The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in securities of real estate and real estate-related issuers, and in derivatives and other instruments that have economic characteristics similar to such securities. It may also invest in debt securities, including corporate debt obligations and commercial mortgage-backed securities. The fund may invest up to 10% of its net assets in non-investment grade debt securities (commonly known as "junk bonds") of real estate and real estate-related issuers.

VRU Code: 400

Morningstar Category Real Estate

As of 12/31/2017



American Tower Corp ..................................7.48 Crown Castle International Corp .................5.45 Simon Property Group Inc ..........................5.34 Equinix Inc ..................................................5.08 Boston Properties Inc .................................3.92 Prologis Inc .................................................3.90 Public Storage .............................................3.89 Equity Residential .......................................3.21 Weyerhaeuser Co ........................................3.00 Hudson Pacific Properties Inc .....................2.57 Total 43.84% Diversification % Assets

Basic Materials ............................................3.45 Consumer Cyclical ......................................0.00 Financial Services .......................................0.00 Real Estate ................................................86.55 Consumer Defensive ...................................0.00 Healthcare ...................................................0.00 Utilities ........................................................0.00 Communication Services ............................9.53 Energy .........................................................0.00 Industrials ...................................................0.47 Technology ..................................................0.00 Total 100.00%


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Lord Abbett Small Cap Value Investment Option





Global Specialty

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



_Strategy



Investment Advisor: Lord, Abbett & Co LLC Portfolio Manager: Robert Fetch


� ��

The investment seeks long-term capital appreciation. Under normal circumstances, the fund invests at least 80% of its net assets, plus the amount of any borrowings for investment purposes, in equity securities of small companies. It may invest in U.S. companies and may invest up to 10% of its net assets in foreign companies, including emerging market companies and American Depositary Receipts ("ADRs"). The adviser defines foreign companies as those whose securities are traded primarily on non-U.S. securities exchanges.

Large

Mid

Small

Value Blend Growth

VRU Code: 158

Morningstar Category Small Blend


As of 11/30/2017



Idacorp Inc ..................................................2.88 First Industrial Realty Trust Inc ...................2.75 First Merchants Corp ..................................2.67 Centennial Resource Development Inc A ....2.49 Cott Corp .....................................................2.44 Orbotech Ltd ...............................................2.27 Teledyne Technologies Inc ..........................2.24 Western Alliance Bancorp ...........................2.09 First Horizon National Corp .........................2.07 Littelfuse Inc ...............................................2.05 Total 23.95% Diversification % Assets

Basic Materials ..........................................10.29 Consumer Cyclical ....................................17.67 Financial Services .....................................15.22 Real Estate ..................................................3.94 Consumer Defensive ...................................2.44 Healthcare ...................................................8.72 Utilities ........................................................2.88 Communication Services ............................0.00 Energy .........................................................4.14 Industrials .................................................16.98 Technology ................................................17.72 Total 100.00%


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MFS Government Securities Investment Option





Global Specialty

Securities rated ''BB'' and below are commonly 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.



_Strategy



Investment Advisor: Massachusetts Financial Services Company

Portfolio Manager: Geoffrey L. Schechter


� ��

The investment seeks total return with an emphasis on current income, but also considering capital appreciation. The fund normally invests at least 80% of its net assets in U.S. government securities. U.S. government securities include mortgage-backed securities and other types of asset-backed securities issued or guaranteed by the U.S. Treasury, by an agency or instrumentality of the U.S. government, or by a U.S. government-sponsored entity. It generally invests substantially all of its assets in investment grade quality debt instruments. The fund may invest a significant percentage of the fund's assets in a single issuer or a small number of issuers.

VRU Code: 881

Morningstar Category Intermediate Government

As of 12/31/2017


Stock ...........................................................0.00 Foreign Stock ..............................................0.00 Bond .........................................................93.56 Foreign Bond ...............................................3.57 Preferred .....................................................0.00 Convertible ..................................................0.00 Cash ............................................................2.87 Other ...........................................................0.00 Total 100.00% Largest Holdings % Assets

US Treasury Note 2.5% ..............................6.79 US Treasury Note 1% .................................4.68 US Treasury Bond 2.5% ..............................4.58 US Treasury Note 2.5% ..............................3.12 US Treasury Note 1.625% ..........................2.80 US Treasury Note 3.125% ..........................1.76 US Treasury Note 2.625% ..........................1.61 US Treasury Bond 3.125% ..........................1.50 FNMA 3.5% .................................................1.49 US Treasury Bond 2.875% ..........................1.38 Total 29.71%


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MFS International New Discovery Investment Option





Global Specialty




_Strategy




Portfolio Manager: Peter Fruzzetti David Antonelli


� ��

The investment seeks capital appreciation. The fund normally invests its assets primarily in foreign equity securities, including emerging market equity securities. Equity securities include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer. The fund may invest a significant percentage of the fund's assets in issuers in a single industry, sector, country, or region.

VRU Code: 265

Morningstar Category Foreign Small/Mid Growth

As of 12/31/2017



Bunzl PLC ...................................................2.54 OBIC Co Ltd ................................................1.94 Amadeus IT Group SA A .............................1.88 Croda International PLC ..............................1.50 Dollarama Inc ..............................................1.44 Symrise AG .................................................1.19 Hiscox Ltd ...................................................1.09 Paddy Power Betfair PLC ............................1.09 FUJI Seal International Inc ..........................1.07 Booker Group PLC ......................................1.05 Total 14.79% Diversification % Assets

United Kingdom ........................................22.03 Japan ........................................................20.04 Germany .....................................................6.91 China ...........................................................3.81 India ............................................................3.57 Australia ......................................................3.37 Hong Kong ..................................................2.76 Switzerland .................................................2.73 Spain ...........................................................2.59 Brazil ...........................................................2.49 Total 70.30%


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MFS International Value Investment Option





Global Specialty




_Strategy





� ��

The investment seeks capital appreciation. The fund normally invests its assets primarily in foreign equity securities, including emerging market equity securities. Equity securities include common stocks and other securities that represent an ownership interest (or right to acquire an ownership interest) in a company or other issuer. The advisor focuses on investing the fund's assets in the stocks of companies it believes are undervalued compared to their intrinsic value (value companies).

VRU Code: 404

Morningstar Category Foreign Large Blend

As of 12/31/2017



Nestle SA ....................................................4.16 Danone SA ..................................................2.59 Reckitt Benckiser Group PLC ......................2.56 Taiwan Semiconductor Manufacturing Co Ltd ADR .............................................................2.37 Givaudan SA ...............................................2.31 Pernod Ricard SA .......................................2.30 Colgate-Palmolive Co ..................................2.27 Kao Corp .....................................................2.22 Henkel AG & Co KGaA Pfd Shs - Non-voting 2.13 Amadeus IT Group SA A .............................2.11 Total 25.02% Diversification % Assets

Japan ........................................................21.54 United Kingdom ........................................14.14 Germany ...................................................12.12 Switzerland ...............................................11.62 United States ...............................................9.82 France .........................................................9.13 Netherlands .................................................3.11 Taiwan .........................................................2.37 Ireland .........................................................2.18 Spain ...........................................................2.11 Total 88.14%


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MFS Utilities Investment Option





Global Specialty

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



_Strategy




Portfolio Manager: Maura A. Shaughnessy Robert Persons


� ��

The investment seeks total return. The fund normally invests at least 80% of its net assets in securities of issuers in the utilities industry. Issuers in the utilities industry include issuers engaged in the manufacture, production, generation, transmission, sale or distribution of electric, gas or other types of energy, and issuers engaged in telecommunications, including wireless, telephone, and cable (but not engaged in public broadcasting).

VRU Code: 116

Morningstar Category Utilities

As of 12/31/2017



Exelon Corp .................................................6.59 EDP Renovaveis SA ....................................4.35 NextEra Energy Inc .....................................3.83 PPL Corp .....................................................3.68 Enel SpA .....................................................3.45 Com Hem Holding AB .................................2.81 Enterprise Products Partners LP .................2.48 American Electric Power Co Inc ..................2.48 American Tower Corp ..................................2.21 Comcast Corp Class A ................................2.14 Total 34.02% Diversification % Assets

Basic Materials ............................................0.00 Consumer Cyclical ......................................3.02 Financial Services .......................................0.00 Real Estate ..................................................0.00 Consumer Defensive ...................................0.00 Healthcare ...................................................0.00 Utilities ......................................................59.70 Communication Services ..........................18.14 Energy .......................................................18.34 Industrials ...................................................0.80 Technology ..................................................0.00 Total 100.00%


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Oakmark Equity and Income Investment Option





Global Specialty



_Strategy



Investment Advisor: Harris Associates L.P. Portfolio Manager: Clyde McGregor

Edward Studzinski


� ��

The investment seeks income and preservation and growth of capital. The fund invests primarily in a diversified portfolio of U.S. equity and debt securities (although the fund may invest up to 35% of its total assets in equity and debt securities of non-U.S. issuers). It is intended to present a balanced investment program between growth and income by investing approximately 40-75% of its total assets in common stock, including securities convertible into common stock, and up to 60% of its total assets in debt securities issued by U.S. or non-U.S. governments and corporate entities rated at the time of purchase within the two highest grades.

VRU Code: 661


As of 12/31/2017


Stock .........................................................54.46 Foreign Stock ..............................................6.36 Bond .........................................................22.90 Foreign Bond ...............................................0.64 Preferred .....................................................0.05 Convertible ..................................................0.34 Cash ............................................................5.28 Other ...........................................................9.98 Total 100.01% Largest Holdings % Assets

Bank of America Corporation ......................5.21 General Motors Co ......................................5.03 TE Connectivity Ltd .....................................3.90 US Treasury TIP 1.25% ..............................2.96 Nestle SA ADR ............................................2.92 US Treasury Note ........................................2.62 Dover Corp ..................................................2.62 Mastercard Inc A .........................................2.58 UnitedHealth Group Inc ...............................2.58 Citigroup Inc ...............................................2.32 Total 32.74% Diversification % Assets

Basic Materials ............................................1.85 Consumer Cyclical ....................................16.95 Financial Services .....................................28.24 Real Estate ..................................................3.18 Consumer Defensive .................................11.40 Healthcare .................................................10.13 Utilities ........................................................0.00 Communication Services ............................0.00 Energy .........................................................5.33 Industrials ...................................................8.00 Technology ................................................14.92 Total 100.00%


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Oppenheimer Main Street Mid Cap Investment Option





Global Specialty




_Strategy



Investment Advisor: OFI Global Asset Management, Inc.

Investment Sub Advisor: OppenheimerFunds Inc Portfolio Manager: Team Managed


� ��

The investment seeks capital appreciation. Under normal market conditions, the fund will invest at least 80% of its net assets, including any borrowings for investment purposes, in securities of "mid cap" companies. The fund managers consider mid cap companies to be those having a market capitalization in the range of the Russell Midcap® Index, a measure of mid cap issuers. The fund primarily invests in common stock but may also invest in other types of securities, such as units of master limited partnerships or other securities that are consistent with its investment objective.

Large

Mid

Small

Value Blend Growth

VRU Code: 365

Morningstar Category Mid-Cap Blend


As of 12/31/2017



Eastman Chemical Co .................................3.36 Spirit Airlines Inc ........................................3.32 Noble Energy Inc .........................................3.27 Synchrony Financial ....................................2.76 AmeriGas Partners LP .................................2.66 Westinghouse Air Brake Technologies Corp 2.16 Pinnacle Foods Inc ......................................2.09 DXC Technology Co ....................................1.98 Intercontinental Exchange Inc .....................1.87 Magellan Midstream Partners LP ................1.80 Total 25.27% Diversification % Assets



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PIMCO Real Return Investment Option





Global Specialty

This Fund invests at least 80% of its assets in inflation-indexed bonds of varying maturities. It may invest in foreign securities, with not more than 20% of its assets in securities denominated in foreign currencies. The Fund may also invest in mortgage related securities and up to 10% in high-yield securities. Inflation-indexed bonds issued by the U.S. Government, known as TIPS, are fixed-income securities whose principal value is periodically adjusted according to the rate of inflation, which will affect the interest payable on them. Repayment upon maturity of the adjusted principal value is guaranteed by the U.S. Government. Neither the current market value of inflation-indexed bonds nor the share value of a fund that invests in them is guaranteed, and either or both may fluctuate. Investing in foreign securities may entail risk due to foreign economic and political developments; this risk may be enhanced when investing in emerging markets. (See below footnote for additional Risk/Return information.)



_Strategy



Investment Advisor: Pacific Investment Management Co LLC

Portfolio Manager: Mihir Worah


� ��

The investment seeks maximum real return, consistent with preservation of capital and prudent investment management. The fund normally invests at least 80% of its net assets in inflation-indexed bonds of varying maturities issued by the U.S. and non-U.S. governments, their agencies or instrumentalities, and corporations, which may be represented by forwards or derivatives such as options, futures contracts or swap agreements.

VRU Code: 541

Morningstar Category Inflation-Protected Bond

As of 9/30/2017


Stock ...........................................................0.00 Foreign Stock ..............................................0.00 Bond .......................................................143.27 Foreign Bond ...........................................-41.21 Preferred .....................................................0.00 Convertible ..................................................0.04 Cash ...........................................................-1.37 Other ..........................................................-0.73 Total 100.00% Largest Holdings % Assets

US Treasury Bond .....................................11.26 US Treasury Note ........................................9.02 US 5 Year Note (CBT) Dec17 ......................7.51 US Treasury Note ........................................7.40 IRS CAD 1.75000 09/17/18-1Y (RED) CME_Receive ..............................................7.08 IRS USD 1.25000 06/21/17-2Y CME_Pay . .7.06 US Treasury Note ........................................6.68 US Treasury Bond .......................................6.56 US Treasury Note ........................................5.57 US Treasury TIP ..........................................4.44 Total 72.58%


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Putnam High Yield Investment Option





Global Specialty

Securities rated ''BB'' and below are commonly 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.



_Strategy



Investment Advisor: Putnam Investment Management, LLC

Investment Sub Advisor: Putnam Investments Limited Portfolio Manager: Paul Scanlon

Norman Boucher


� ��

The investment seeks high current income, and capital growth is a secondary goal when consistent with achieving high current income. The fund invests mainly in bonds that are obligations of U.S. companies, are below investment-grade in quality, and have intermediate- to long-term maturities. Under normal circumstances, it invests at least 80% of its net assets in securities rated below-investment-grade. The adviser may consider, among other factors, credit, interest rate and prepayment risks, as well as general market conditions, when deciding whether to buy or sell investments. The fund may also invest in other debt instruments, including loans.

VRU Code: 59

Morningstar Category High Yield Bond

As of 12/31/2017


Stock ...........................................................1.91 Foreign Stock ..............................................0.10 Bond .........................................................78.67 Foreign Bond .............................................11.77 Preferred .....................................................0.77 Convertible ..................................................1.09 Cash ............................................................3.41 Other ...........................................................2.28 Total 100.00% Largest Holdings % Assets

Gmac 8% ....................................................0.75 Sprint 7.875% .............................................0.72 Scientific Games Intl Inc. 10% ....................0.70 Diamond 1 Fin Corp/Diamond 2 144A 7.125% 0.64 Gates Global 144A 6% ................................0.63 Ceridian Hcm Hldg 144A 11% ....................0.63 Solera Llc / Solera Fin 144A 10.5% ............0.57 Inception Merger Sub 144A 8.625% ..........0.54 Sprint 7.25% ...............................................0.52 Neptune Finco 144A 10.125% ....................0.51 Total 6.21%


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SSgA S&P 500 Index Investment Option





Global Specialty

Investment in the Funds poses investment risks, including the possible loss of principal; the investment return and principal value of an investment will fluctuate so that shares, when redeemed, may be worth more or less than their original cost.



_Strategy



Investment Advisor: SSgA Funds Management Inc Portfolio Manager: Karl Schneider

John Tucker


� ��

The investment seeks to replicate as closely as possible, before expenses, the performance of the Standard & Poor's® 500 Index. The adviser uses an index tracking management strategy designed to track the performance of the S&P 500® Index ("S&P 500" or "index"). The index is a well-known stock market index that includes common stocks of 500 companies from a number of sectors representing a significant portion of the market value of all stocks publicly traded in the United States.

Large

Mid

Small

Value Blend Growth

VRU Code: 696



As of 12/31/2017



Apple Inc .....................................................3.67 Microsoft Corp ............................................2.79 Amazon.com Inc .........................................1.97 S+p500 Emini Fut Mar18 Xcme 20180316 .1.78 Facebook Inc A ...........................................1.78 Berkshire Hathaway Inc B ...........................1.61 Johnson & Johnson ....................................1.58 JPMorgan Chase & Co ................................1.57 Exxon Mobil Corp .......................................1.50 Alphabet Inc C .............................................1.33 Total 19.58% Diversification % Assets



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Ve

State Street S&P MidCap Index Non-Lend Series Investment Option

Processing and publication dates vary by fund company resulting in potential variations in “as of” dates. Information contained herein is subject to change at any time, and may vary based on underlying fund and/or share class considerations (if applicable). Certain sections, if shown, may not add up to 100% due to rounding. RS-37175-00. © 2017 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.




Global Specialty


_Strategy


Inception Date: 8/31/1989 Net Assets ($ in millions): $5,842.72

Investment Advisor: State Street Bank & Trust Co.


�The S&P MidCap Index Strategy seeks to replicate the returns and characteristics of the S&P MidCap 400 Index.

VRU Code: 600

As of 12/31/2017 Largest Holdings % Assets

TAKE-TWO INTERACTIVE SOFTWRE ..........0.70 HUNTINGTON INGALLS INDUSTRIE ...........0.60 STEEL DYNAMICS INC ...............................0.58 NVR INC ......................................................0.68 TELEFLEX INC .............................................0.63 MSCI INC ....................................................0.64 BROADRIDGE FINANCIAL SOLUTIO ...........0.59 COGNEX CORP ...........................................0.59 TRIMBLE INC ..............................................0.57 SVB FINANCIAL GROUP .............................0.69 Total 6.27% Diversification % Assets

Industrials .................................................15.83 Financials ..................................................17.33 Information Technology ............................17.42 Healthcare ...................................................7.53 Consumer Discretionary ...........................12.14 Energy .........................................................4.27 Utilities ........................................................5.29 Materials .....................................................7.16 Consumer Staples .......................................3.79 Telecommunication Services .......................0.14 Real Estate ..................................................9.09 Total 99.99%

Note: This investment option is available to your plan through a group variable contract offered to fund retirement programs. Your plan invests in the separate account which invests directly in the underlying collective trust fund.


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Ve

T. Rowe Price Growth Stock Investment Option





Global Specialty



_Strategy



Investment Advisor: T. Rowe Price Associates, Inc. Portfolio Manager: P. Robert Bartolo


� ��

The investment seeks long-term capital growth through investments in stocks. The fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes) in the common stocks of a diversified group of growth companies. While most assets will typically be invested in U.S. common stocks, the fund may invest in foreign stocks in keeping with the fund's objectives.

Large

Mid

Small

Value Blend Growth

VRU Code: 824



As of 12/31/2017



Apple Inc .....................................................6.36 Amazon.com Inc .........................................6.33 Microsoft Corp ............................................4.47 Facebook Inc A ...........................................4.18 The Priceline Group Inc ..............................3.92 Alphabet Inc C .............................................2.88 Alibaba Group Holding Ltd ADR .................2.85 Boeing Co ...................................................2.69 Alphabet Inc A .............................................2.63 Visa Inc Class A ..........................................2.60 Total 38.91% Diversification % Assets



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Ve

Templeton Growth Investment Option





Global Specialty




_Strategy



Investment Advisor: Templeton Global Advisors Limited

Portfolio Manager: Lisa Myers Tucker Scott


� ��

The investment seeks long-term capital growth. The fund invests predominantly in the equity securities of companies located anywhere in the world, including developing markets. The equity securities in which the fund primarily invests are common stock. The fund may invest in companies of any size, including small and medium capitalization companies. Although the fund seeks investments across a number of regions, countries and sectors, from time to time, based on economic conditions, the fund may have significant positions in particular regions, countries or sectors.

VRU Code: 492

Morningstar Category World Large Stock

As of 9/30/2017



Samsung Electronics Co Ltd .......................2.79 Royal Dutch Shell PLC B .............................2.58 Oracle Corp .................................................2.39 Citigroup Inc ...............................................2.17 Amgen Inc ...................................................2.01 Navistar International Corp .........................1.79 BP PLC ........................................................1.72 Baidu Inc ADR .............................................1.70 AXA SA .......................................................1.68 Standard Chartered PLC .............................1.68 Total 20.51% Diversification % Assets

United States .............................................37.18 United Kingdom ........................................13.57 France .........................................................5.67 South Korea ................................................5.12 China ...........................................................4.84 Japan ..........................................................4.43 Germany .....................................................3.30 Netherlands .................................................3.10 Switzerland .................................................2.72 Canada ........................................................2.47 Total 82.40%


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"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life Insurance Company andHartford Securities Distribution Company, Inc. (“HSD”).

HSD (member FINRA and SIPC), a registered broker/dealer affiliate of The Hartford, has established certain service programs for retirement plans,including defined contribution retirement plans, through which a plan or plan participant may invest in mutual funds.

401 retirement programs (excluding 401(a)) are funded by group variable annuity contracts (countrywide: HL-14991; NY & FL: HL-14973) and groupvariable funding agreements (HL-16553 and HL-16553 (NY)) issued by Hartford Life Insurance Company (Simsbury, CT). 401(a), 457, and 403(b)retirement programs are funded by group variable annuity contracts (HL-15811, HVL-11002 and HVL-21002 series, HVL-14000, HVL-14001,HVL-20000, HL-17402, HL-14848, HL-17402 and HL-15420 with Rider HL-16957) and group variable funding agreements (HL-16553 andHL-16553 (NY)) issued by Hartford Life Insurance Company (Simsbury, CT). Group variable annuity contracts are underwritten and distributed byHartford Securities Distribution Company, Inc. where applicable. Retirement programs can be funded by group fixed annuities (HL-19799)issued by Hartford Life Insurance Company (Simsbury, CT) and can also invest in mutual funds through custodial accounts.

407119 Printed in U.S.A. © The Hartford, Hartford, CT 061152009

© 2017 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.

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RS-33143-00 2/13/2018

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