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MASSMUTUAL IS PROUD TO OFFER

                                                                  RETIREMENT ACCOUNT
                                                                  PROTECTION TO GIVE YOU PEACE
                                                                  OF MIND WHEN DOING BUSINESS
                                                                  WITH US.


                                                                  We value your business and the trust that you
                                                                  have placed in MassMutual.  Let’s work
                                                                  together to keep your assets safe and secure.

                                                                  We are committed to safeguarding your

                                                                  retirement account assets but need your help
         How to Register Your Account                             to protect access to your account.  There are
                                                                  steps you must take to qualify for this protection.
         Simply go to retiresmart.com and click on “Log           We also provide safeguards to help you avoid
         In.”                                                     being a victim of fraud.

            If you do not currently have a username
              and password, select “Register for online           Our Promise
              access”.                                            If you follow the steps outlined in MassMutual’s
            If you’ve previously registered your                 Retirement Account Protection Policy and
              account, enter your current username and            assets are removed from your account in an
              password and select “Log In”.                       unauthorized transaction, we promise to
            If you can’t remember your current                   reimburse your account for the assets taken.
              username and password, click “Forgot                This promise applies to your Workplace Solutions
              Username?” or “Forgot Password?” and                retirement account(s) under a 401(k), 403(b),
              follow the prompts to create your account.          457 or other individual account plans for which
                                                                  MassMutual provides recordkeeping services
         From there, you will need to provide additional          and the assets of which are not held away from
         information like your name, DOB and SSN. Then,           MassMutual.
         follow the prompts to add new, secure
         credentials (email address and password) and
         verify your email.  You will also be prompted to
         add a phone number for verification purposes.













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