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For more information

Visit your plan’s website at retiresmart.com

Contact a representative at 800-743-5274, Monday through Friday between 8:00 a.m. and 8:00 p.m. ET.

You can always change how your money is invested any time after the transfer.

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus,
summary prospectus for SEC registered products or disclosure document for unregistered products, if available, containing this
information. Read each carefully before investing.

Investing involves risk, including possible loss of principal.

Fund changes may alter the risk exposure of an investment account. Some cash-alternative options (other than money market funds), such as guaranteed interest
funds or stable value funds, may have withdrawal and transfer restrictions. Carefully consider the importance of a well-balanced and diversified investment portfolio,
taking into account all your assets, income and investments. Adjustments may be needed to realign the account with its desired investment strategy.
Asset allocation and balanced investment options and models are subject to the risks of their underlying investments.

Asset allocation, diversification, and/or rebalancing do not ensure a profit or protect against loss.
On December 31, 2020, Empower Retirement acquired the retirement business of Massachusetts Mutual Life Insurance Company. Following an initial transition
period, Empower Retirement will become the sole administrator of this business. Empower Retirement refers to the products and services offered by Great-West Life
& Annuity Insurance Company and its subsidiaries, including Empower Retirement, LLC. Empower Retirement is not affiliated with MassMutual or its affiliates.
Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.;
and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide
investment, legal or tax recommendations or advice.

Where data obtained from Morningstar, ©2021 Morningstar, Inc. All rights reserved. The data: (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. Past performance is no guarantee of future results.

©2021 Empower Retirement, LLC. All rights reserved. RO1601202 -0421