Enrollment

Enrolling in the 401(k) Plan

Plan Package

If you are interested in enrolling in the 401(k) Plan, please contact MassMutual to receive an enrollment package.

Call MassMutual at 1-800-743-5274. Enter your Social Security Number and follow the step for a lost PIN number to reach a customer service representative.

Copies of Plan

Copies of the Summary Plan Description (S.P.D.) are available by contacting the 401K Fund Office.

For a copy of the prospectus and fact sheets, please log on to “The Journey” at www.massmutual.com/retire or contact MassMutual at 1-800-74FLASH (3 5274).

Investment And Risk

See INVESTMENT Options. Carefully consider the objectives and risks of each investment option before investing. The fact sheets and applicable prospectus contain this and other information on the investment. Review them carefully before investing.

Important Notice: These Plan Highlights provide a brief overview of the Plan and do not replace the formal Summary Plan Description or Plan Document. In all cases, the Plan Document governs. For further information, please review your Summary Plan Description or contact the 401K Fund Office .