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P R O T E C T   Y O U R S E L F   F R O M   F R A U D
                 Your Online Account at MassMutual



                     Why and how you should register your account



         Fraud Prevention at MassMutual                           An Unregistered Account is a
                                                                  Vulnerable Account
         At MassMutual we are committed to helping
         people secure their future and protect the ones          It is a common misconception that having an
         they love. The Financial Services Industry is            online account makes you more at risk for
         under constant threat from criminals seeking to          fraud.  The truth is that an unregistered account
         commit fraudulent acts. We recognize that                creates more opportunity for a fraudster to
         threat and have made significant investments             impersonate you and claim your account for
         in technology, resources and people to protect           their fraudulent use.  When you register your
         your information and assets, including:                  account, you automatically receive the benefit
                                                                  of the enhanced security measures that we
            Fraud awareness training for employees               offer, making it much harder for a fraudster to
            Regular communications on current and                gain access to your account.
              emerging fraud threats and tactics
            Continuous, automated monitoring and                 Just go to retiresmart.com to register your
              analytics to proactively identify irregular         account (additional details on the next page).
              account activity
            Use of digital identity intelligence and             Other Actions You Can Take to
              authentication consortium data                      Protect Yourself

            Multi-factor authentication to help prevent             Keep your contact information with
              unauthorized account access                             MassMutual up to date.

            A variety of technologies, tools and                    Never share, or make available to anyone,
              techniques to validate client requests                  your personal identification number (PIN),
            Participation in industry knowledge sharing              username, password or other information
              forums to share information and best                    about your account.
              practices related to the current and                   Review your paper or online account
              emerging fraud threats                                  statements regularly and report any
                                                                      inaccurate information, or suspicious or
         Although MassMutual is committed to                          unauthorized activity immediately.
         safeguarding your account, we cannot                        Install antivirus and anti-spyware software
         do it alone.  Fraud prevention is a                          on your personal computer.
         partnership. It is imperative that you take                 Update software for your mobile device
         proactive action to protect yourself from                    and PC when updates become available.
         fraudulent activity.                                        Never click on a link or open an

                                                                      attachment in an unsolicited email.

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