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Please consider an investment option’s objectives, risks, charges and expenses carefully before investing. This and other information about the investment option can be found in the applicable prospectuses (and/or summary prospectuses, if available), if any, or fact sheets for the investment options listed, which are available from your plan sponsor, on the participant website or by contacting our Participant Information Center. Please read them carefully before investing.

Effective January 1, 2013, Massachusetts Mutual Life Insurance Company ("MassMutual") has acquired The Hartford’s Retirement Plans Group ("RPG"). In connection with this transaction, MassMutual has no affiliation, and the RPG business no longer has any affiliation, with The Hartford Financial Services Group or any of its subsidiaries. The Hartford appointed MassMutual to provide all of administrative services necessary to support the Contracts.

MassMutual Retirement Services (MMRS) is a division of Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies.

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries.

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